Loandock and Addy
Loandock does the work behind the condition list.
Loandock is an AI loan processor. Clara builds and pre-underwrites the file, submits it to the lender, and works each condition that comes back, from the request through resubmission. Addy describes guideline checks, AUS and condition review, borrower document requests, and LOS synchronization.
Who gets the request
Title, insurance, the HOA, the employer
Clara works out who owes each condition and goes after that party until the evidence lands.
The LOS record
Submitted, filed, marked fulfilled
Clara submits the file, files each accepted document against its condition, and sets that condition to fulfilled.
Before the lender sees it
Pre-underwritten, so less comes back
Clara reads what the borrower sends: an unsourced deposit, a missing page, income that does not line up.
What your team keeps
Uncertain items go to your processor
A wrong document goes back with the reason. Unfamiliar documents go to your processor with the evidence attached.
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
At pre-approval. Clara builds the package, pre-underwrites the file, and works it through clear-to-close.
Addy AI
Guideline checks and document review during origination.
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.
Addy AI
Addy describes condition and AUS review. Ask to see a returned condition worked through lender resubmission.
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.
Addy AI
Addy describes LOS synchronization and a browser extension. Ask where each completed action is recorded.
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.
Addy AI
Missing-document requests are described; the public site does not specify every recipient type.
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.
Addy AI
Guideline and document checks are described.
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.
Addy AI
Addy describes document and condition workflows. Ask to see the attachment, fulfilled status, and lender resubmission in the LOS.
| What is being compared | Loandock | Addy AI |
|---|---|---|
| Where it starts | At pre-approval. Clara builds the package, pre-underwrites the file, and works it through clear-to-close. | Guideline checks and document review during origination. |
| 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. | Addy describes condition and AUS review. Ask to see a returned condition worked through lender resubmission. |
| 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. | Addy describes LOS synchronization and a browser extension. Ask where each completed action is recorded. |
| 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. | Missing-document requests are described; the public site does not specify every recipient type. |
| 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. | Guideline and document checks are described. |
| 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. | Addy describes document and condition workflows. Ask to see the attachment, fulfilled status, and lender resubmission in the LOS. |
The other company's column summarizes its published product scope. Loandock's column describes its current service. Confirm both in a demo.
Where Loandock fits
Loandock does the processing work itself: the package built, the file pre-underwritten and submitted, every condition worked through resubmission. In the walkthrough, follow one document from the request to its fulfilled condition in your LOS.
A file underwriting had suspended sat about a month; Loandock worked the documents and the underwriter issued clear-to-close about two weeks later.
Compare another option
Thirty minutes. See how Clara works a file, from the package she builds to the last condition.
Addy descriptions were reviewed at https://addy.com/ai-loan-officer-assistant and https://addy.com/blog/ai-agents-for-mortgage-processing on October 7, 2026. Confirm the full workflow in a demonstration; a published description does not establish every step.