AI for mortgage operations, built by the team that runs it on live files.
Loandock is an AI loan processor and the team mortgage companies bring in to put AI to work across operations. Start with processing, where the return is immediate, and extend from there.
Where AI pays off first in a mortgage operation
Every shop has the same expensive stretch: the weeks between contract and clear to close, where documents get requested, half come back wrong, third parties go quiet, and conditions pile up after underwriting reads the file. That work repeats on every file, it is already written down in your own standards, and it runs at hours your processors do not. It is the first thing worth handing over, and it is the part where you can read the return on a handful of files rather than a fiscal year.
- Processing, from contract to close. Clara builds the package, pre-underwrites it, submits it to the lender, and works the conditions that come back.
- Borrower and third party follow-up. Title, insurance, employers, payoff departments, HOAs and servicers, by text and email, with every message logged on the file.
- Pre-underwriting before submission, so fewer files suspend and fewer avoidable conditions come back.
- Conditions worked overnight and over the weekend. Nothing waits for Monday.
What we build with you
Clara runs on your files inside the LOS you already use. Your team talks to her in Slack, Microsoft Teams or by text, the same way they would ask a processor what is holding up a file, and she can take the action from there rather than hand back an answer.
Past the standard file, we build the workflows your shop actually runs, learned from your processors and from what your lenders ask for. We connect to the systems you already use: a direct connection where one exists, and where it does not, Clara works through the same screens your people do.
How an engagement runs
It opens with a walkthrough, 30 minutes on a demo file, so nobody has to send borrower documents to see the work. Then your admin gives Clara access to your LOS and picks the role, you choose the first files, and she starts on them as soon as access is in place. Your processors review the exceptions she sends over, and each one arrives with the documents already gathered. We tune her to your lenders and their overlays while those files go through, then widen what she handles.
What stays yours
- Your LOS stays the system of record. Your admin controls what Clara can reach and can revoke it.
- Your underwriter makes the underwriting decision, and lender policy stays authoritative.
- When a file needs judgment, Clara stops and puts it on your processor’s list with the documents attached.
- Every action, when it happened, why, and the documents behind it sit in the activity log for your team to read.
- Loandock places no phone calls, does not underwrite, and does not make credit decisions.
Borrower data is handled the way our security page sets out.
Who this is for
- Brokerages that process their own files and cannot hire and train a processor by Friday.
- Independent mortgage banks whose volume moves faster than a hiring plan.
- Correspondent lenders who need cleaner files going in and fewer suspensions coming back.
- Branches inside a bigger shop. Start with one branch, on files you pick, and leave the rest alone.
- Single loan officers who want a contract processor. Clara works your files by the file, and you keep your LOS and your lenders.
Questions we get
Is this software we set up ourselves?
- No. Loandock is an AI loan processor that works your files, and our team fits her to how your shop runs and keeps tuning her as files go through. Nobody hands you a login and wishes you luck.
Do we have to change our LOS?
- No. Your LOS stays the system of record and Clara works inside it. Your admin gives her access, picks the role, and can revoke it at any point.
How fast can we start?
- The walkthrough takes 30 minutes and runs on a demo file. After that, Clara starts on your first files as soon as your admin has issued access and you have picked the files to start on.
What does it cost?
- You pay by the file. Lenders and larger brokerages are priced to volume and workflow, and we size that with you on the walkthrough. The full pricing is on the how it works page.
What if our process is unusual?
- That is the normal case, and it is the reason a team sets this up rather than a download. We learn your workflows from your processors and your lender requirements, and Clara follows those rather than a generic file. Anything she is not sure about stops and lands on your processor’s list.
See what changed on live files and how Loandock works a file.
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