Loandock and offshore processing
Loandock processes the loan 24/7, with no offshore labor.
Loandock is an AI loan processor. It builds and pre-underwrites the file, submits it to the lender, and works the conditions that come back, inside your LOS on access your admin controls.
System of record
The completed work stays in your LOS
Clara files each document against its condition and records fulfillment there.
Work location
No offshore labor
The work and the AI processing run in the United States, and no borrower information is handled by people outside the United States.
Document follow-up
Chased by text and email, inside quiet hours
Clara works out who owes each item and checks it the moment it lands.
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.
An offshore team
The workflow covered by the service agreement.
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.
An offshore team
The processing and closing responsibilities in the agreement.
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.
An offshore team
May work directly in your LOS or through another system; confirm with the provider.
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.
An offshore team
The parties, channels and hours included in the service.
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.
An offshore team
Document review and exception handling depend on the agreed scope.
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.
An offshore team
Whatever record keeping the agreement names; confirm it.
| What is being compared | Loandock | An offshore team |
|---|---|---|
| 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 workflow covered by the service agreement. |
| 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 closing responsibilities in the agreement. |
| 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. | May work directly in your LOS or through another system; confirm with the provider. |
| 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. | The parties, channels and hours included in the service. |
| 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 and exception handling depend on the agreed scope. |
| 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. | Whatever record keeping the agreement names; confirm it. |
The right-hand column describes what a typical agreement covers; confirm yours. Loandock's column describes its current service.
Where Loandock fits
Loandock uses no offshore labor and does the processing work from the package to the last condition. An offshore contract should name its staffing, work locations, coverage, and LOS responsibilities.
35 conditions fulfilled on a single live file, over one weekend.
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. Offshore practice and the rules around it vary by state and by investor; confirm your own requirements with counsel.