Loandock and a loan processor
Clara processes the loan. Your team handles the judgment.
Loandock is an AI loan processor. It builds and pre-underwrites the file, submits it to the lender, works the conditions that come back, and chases the borrower and the third parties. A processor brings judgment and relationships across a file.
Coverage
A Sunday-night document gets checked on Sunday night
Clara works every active file at once, not one at a time. Borrower messages respect quiet hours.
What your team keeps
Your processors keep the judgment calls
Ambiguous income, conflicting evidence, an unfamiliar document: it lands on your processor’s list with the evidence gathered.
Access
Your admin owns the access
One login, issued by you, revoked by you.
Follow one file from the package to the last condition
Check who builds the package, who pre-underwrites it, who submits it to the lender, and who marks the condition fulfilled in your LOS.
Where it starts
Loandock
Once the borrower is under contract. Clara builds the package and pre-underwrites the file before it goes to the lender.
Hiring a processor
The point where your team assigns the file.
After underwriting
Loandock
Every condition worked from the request through resubmission. Your underwriter clears each one, and anything needing judgment goes to your processor with the evidence attached.
Hiring a processor
The processing and coordination responsibilities you assign.
System of record
Loandock
Your LOS. Clara works there and in the lender portals your team already uses, on access your admin issues and can revoke.
Hiring a processor
Your LOS and your team’s tools.
Document follow-up
Loandock
Whoever owes the item: the borrower, title, insurance, the HOA, an employer, a payoff department. Every active file, nights and weekends included.
Hiring a processor
Borrowers and third parties within the processor’s assigned workload.
Document checks
Loandock
Checked the moment it lands: right type, right period, right person, all pages, readable. A wrong document goes back with the reason and gets asked for again.
Hiring a processor
Document review plus judgment and coordination within their role.
Work completed in the LOS
Loandock
The file submitted to the lender, the document filed to the condition it answers, and that condition set to fulfilled.
Hiring a processor
Documents, condition statuses and other records within their permissions.
| What is being compared | Loandock | Hiring a processor |
|---|---|---|
| Where it starts | Once the borrower is under contract. Clara builds the package and pre-underwrites the file before it goes to the lender. | The point where your team assigns the file. |
| After underwriting | Every condition worked from the request through resubmission. Your underwriter clears each one, and anything needing judgment goes to your processor with the evidence attached. | The processing and coordination responsibilities you assign. |
| System of record | Your LOS. Clara works there and in the lender portals your team already uses, on access your admin issues and can revoke. | Your LOS and your team’s tools. |
| Document follow-up | Whoever owes the item: the borrower, title, insurance, the HOA, an employer, a payoff department. Every active file, nights and weekends included. | Borrowers and third parties within the processor’s assigned workload. |
| Document checks | Checked the moment it lands: right type, right period, right person, all pages, readable. A wrong document goes back with the reason and gets asked for again. | Document review plus judgment and coordination within their role. |
| Work completed in the LOS | The file submitted to the lender, the document filed to the condition it answers, and that condition set to fulfilled. | Documents, condition statuses and other records within their permissions. |
The right-hand column describes what a typical agreement covers; confirm yours. Loandock's column describes its current service.
Where Loandock fits
Use Loandock when the constraint is the processing work itself: building the file, pre-underwriting it, getting it submitted, and finishing the conditions. Hiring fits when the desk needs someone to own the judgment calls.
One file carrying 120-plus conditions and flags, worked start to finish in 7 days against the roughly 25 days that file would normally take; the document chasing on that file would have taken 60 to 70 hours by hand and took 8 to 10 hours.
Compare another option
Thirty minutes. See how Clara works a file, from the package she builds to the last condition.
Written as of September 2026. Processor pay, file loads and coverage vary by shop and by market; run the comparison against your own payroll and your own file load.