Financial services

Underwrite loans in minutes, not days.

Your underwriters keep making the calls. We do everything before.

Stage 01 Application received

A loan application enters your queue.

Pulled from your loan origination system the moment a borrower submits. Your team doesn't open another file folder.

Loan origination system
Live
  • 18 min ago Loan #LN-4815 FHA · $312k Graded
  • 11 min ago Loan #LN-4819 Jumbo · $1.2M Graded
  • just now Loan #LN-4821 Conventional · $485k New
Detected within minutes of submission Moving to parsing →
Stage 02 Documents parsed

Their documents become structured data.

Income, assets, employment history, credit, debts, reserves. Extracted from W-2s, paystubs, tax returns, and bank statements.

loan_4821_w2_2025.pdf 186 KB

[Borrower name]

Tax year 2025 · W-2 wage statement

Employment

[Employer], salaried (2020 to present)

Wages, tips, comp: $142,000

Federal withholding: $21,840

Supporting docs

Paystub (last 30 days)

Bank statements (60 days)

Tax returns (2 years)

parsed #LN-4821 3.1s 
{
  "loan_type": "conventional",
  "loan_amount": 485000,
  "income_annual": 142000,
  "employment_years": 6,
  "credit_score": 742,
  "dti_ratio": 0.34,
  "ltv_ratio": 0.78,
  "reserves_months": 4,
  "employment_gaps": []
}
Stage 03 Graded against your underwriting box

Rated against your underwriting criteria.

We capture your program guidelines during kickoff. Output: A, B, C, or D against the box your team already uses.

Loan #LN-4821

Conventional · $485k purchase

A Recommended
DTI within program limits (34% vs 45% cap)
FICO meets minimum (742 vs 740 floor)
LTV within program guidelines (78% vs 80% cap)
Reserves meet requirement (4 months PITI)
Employment history stable (6 years current employer)
Criteria captured from your underwriters during kickoff. Each product type gets its own rubric.
Stage 04 Risk flags surfaced

Every risk, surfaced before review.

Debt-to-income, credit history, employment gaps, NSF and overdrafts, income consistency. Surfaced in one pass.

Debt-to-income

34% back-end ratio, comfortably under program cap

Clear

Credit history

FICO 742, 9 open tradelines, no derogatory marks in 24 months

Clear

Employment stability

6 years at current employer, same industry prior

Clear

Bank statements

2 NSF events in last 60 days, worth confirming with borrower

Note

Income consistency

W-2, paystubs, and tax returns all reconcile

Clear
Stage 05 Underwriting brief generated

A one-page brief writes itself.

Strengths, concerns, recommended conditions and items to verify. Everything your underwriter needs in one place.

Loan #LN-4821 · Conventional $485k

$485k purchase · 30-year fixed

A

Strengths

  • FICO 742, no derogatory tradelines in 24 months
  • 6 years at current employer with stable W-2 income
  • DTI 34% and LTV 78%, both well inside program limits

Concerns

  • 2 NSF events in last 60 days of bank statements, worth a letter of explanation

Recommended conditions and items to verify

  • Letter of explanation for the 2 NSF events
  • Updated bank statement showing reserves intact
  • VOE within 10 days of close
Stage 06 Routed to your underwriters

Your underwriters only see worth-reviewing files.

A files hit a senior underwriter's queue instantly. B files bundle into the daily queue. C and D are logged for audit, never forwarded.

Top-grade files hit a senior underwriter's queue the moment they're scored. No batching, no waiting.

to: underwriter@yourcompany.example 9:18 AM

Priority file ready for underwriter review · Conventional

Loan #LN-4821 graded A against your conventional box. FICO 742, DTI 34%, LTV 78%, 6 years employment. Brief and recommended conditions attached.

Open brief
Stage 07 Outcome

Same team. Files reviewed faster.

Your underwriters still make every call. They just stop spending their day on files that were never going to clear.

2-5 days Under 30 minutes Time to first decision
45 min / file 10-15 min / file Underwriter time per file
Every application Only qualified Files underwriters review
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