# Loandock

> Loandock is the AI loan processor for mortgage lenders. It collects, verifies, authenticates, and files every borrower document and clears underwriter conditions from application to clear-to-close, inside the lender's existing system of record (Encompass), with a human in the loop on every decision that matters. The same platform can also bring the borrower with AI Ads + CRM.

Loandock is a US-based technology company (Delaware), founded in 2024 by Arnav Jha (a licensed loan officer, NMLS 2662424, and software engineer). It is built by loan officers, for lenders. Loandock is a technology platform, not a lender, and does not make credit decisions.

## What Loandock is

- **AI Processor (flagship):** an AI workforce for borrower-facing document work. It reads each file's open conditions, derives the exact documents needed by income type, sends one consolidated request, follows up automatically, verifies each submission (legible, correct type, period, and person), runs authenticity/fraud checks, drafts Letters of Explanation with e-signature, files documents back into the Encompass eFolder, and clears underwriter conditions to clear-to-close. A deterministic engine decides what each file needs next; AI handles only narrow, individually-evaluated judgments; a human clears every condition. It never moves money or changes access.
- **AI Ads + CRM:** AI-targeted mortgage ads and an AI content engine bring warm, pre-qualified buyers; every lead is qualified and auto-booked in under 60 seconds; everything lands in one CRM command center.
- **MLO Engine:** a separate self-serve product for loan pricing and realtor sharing, on its own site (mloengine.com).

## Integrations

- **Live today:** Encompass (ICE), the largest US loan-origination system. Loandock connects over a governed Model Context Protocol (MCP) interface that reads and writes the system of record, not brittle scripting.
- **Active:** Encompass (ICE), Vesta, Arive.
- **Coming soon:** Calyx Path.

## Proof (real files from live production deployments; individual results vary)

- 35 underwriter conditions cleared over a single weekend, work that normally takes about two weeks.
- A suspended file taken all the way to clear-to-close in two weeks, versus roughly a month by hand.
- A file with 120+ conditions and flags cleared in 7 days, versus about 25 typical, cutting 60 to 70 hours of manual work down to 8 to 10.
- Platform scale: $30M+ in loan volume facilitated, 300+ active users, 75+ staff hours saved per team per month.

## Who it's for

Mortgage lenders, mortgage companies, branch managers, VPs/directors of operations and production, processing and operations managers, and producing loan officers to anyone carrying the borrower-facing document and condition-clearing grind.

## Pages

- [Home](https://www.loandock.com/): what Loandock is and the AI Processor overview.
- [AI Processor](https://www.loandock.com/processor): the flagship to how the processor runs document collection to clear-to-close inside Encompass.
- [AI Ads + CRM](https://www.loandock.com/crm): the demand engine to AI ads, qualification, and booking in one CRM.
- [Results](https://www.loandock.com/results): real proof numbers from live files and campaigns.
- [About](https://www.loandock.com/about): the team (Arnav Jha, CEO; Dhruv Sekhawat, CTO; Mario Cerrato, Advisor) and investors (Antler, Georgia Tech).
- [Blog](https://www.loandock.com/blog): guides on mortgage automation, AI lending, Encompass integration, and cost-per-loan reduction.

## Contact

- Website: https://www.loandock.com
- Email: info@loandock.com
- LinkedIn: https://www.linkedin.com/company/loandock
- Book a walkthrough: https://cal.com/arnav-jha-loandock/ai-processor-walkthrough