The AI loan processor that works your condition list. 

What it can do

The jobs it takes off your processor’s desk.

Every line below is work somebody on your team does today. Everything it does lands back in your system of record, timestamped, with the document that justified it attached.

• Reads your condition list the way your underwriter wrote it

  Your own wording, your own templates, sorted into your own buckets: prior to approval, prior to docs, prior to funding. No mapping exercise and no request that your underwriters change how they write conditions.

• Works out which documents each condition actually needs

  Derives the document set by income type: W-2, self-employed, SSI, VA, pension. Then sends one consolidated request instead of six separate asks.

• Texts the borrower

  Plain-English SMS in a warm voice, gated for TCPA and quiet hours, with opt-outs honored automatically. Clara says she is Loandock’s automated assistant on first contact, names your company, and hands off to a person the moment a borrower asks.

• Emails the borrower and everyone else on the file

  The same request and the same follow-up, on whichever channel the party actually answers.

• Follows up until the documents land

  Daily follow-up on every open item, whoever it is sitting with. A party going quiet is the normal case, not the exception, and it is the part that does not scale when a person has to do it.

• Chases whoever owes the document, not just the borrower

  Title, insurance, the HOA, an employer, a CPA, a payoff department. Loandock works out who owes each condition and goes after that party directly, so the items that normally sit on a processor’s desk waiting on somebody else keep moving too.

• Opens and reads what comes back, the moment it lands

  A document that arrives at nine on a Sunday night gets read at nine on a Sunday night, instead of sitting in a queue until someone is at their desk on Monday.

• Checks each document against the condition that asked for it

  Readable, correct type, correct period, correct person. Multi-document sets stay open until every piece is in.

• Sends a wrong document back with the reason, and asks again

  A wrong document does not get filed to make the list look complete. It goes back to the sender with what was wrong with it, and the request goes out again.

• Takes the borrower’s explanation and formats it for signature

  Takes the borrower’s explanation in their own words, formats it for signature, files the signed copy to the condition. The explanation is always the borrower’s; the typing and the formatting are the part that comes off your processor’s desk.

• Files the accepted document to the condition it answers

  Filed in your LOS against the specific condition it satisfies, so nobody has to sort a general bucket later.

• Marks the condition fulfilled on its own. Your underwriter reviews and clears it

  Loandock marks conditions fulfilled; your underwriter clears them. Nobody has to approve the write. No status ever changes without a document behind it that was checked against the condition.

• Works whatever hour the borrower answers

  Nights and weekends included. Your processor finds the work already done on Monday morning.

• Stops and asks you when it is not sure

  Anything it cannot settle goes to a person through the needs-you queue, per loan and across the pipeline, and waits. It does not guess to clear a queue.

• Runs at the scope your admin sets

  Access is bounded by the Encompass persona your super admin assigns, so what Loandock can see and touch is your decision from the first day, not a setting you negotiate later.

• Turns off by revoking one credential

  The access is issued by your Encompass admin and scoped by the persona you assign, so you can take it back in one step without calling anyone.

Loandock does not place phone calls. It does not underwrite, does not decision a loan, and does not clear conditions. It does not move your system of record. The file lives in your LOS before and after.