AI loan processing for independent mortgage banks
Clara takes the file once the borrower is under contract and works it until the underwriter issues clear-to-close.
Volume changes faster than a hiring plan. Clara adds capacity file by file.
Capacity that does not wait on a hire
Building the file, checking what comes back, submitting it and working the conditions is where processor hours go, and those hours climb with volume. Clara works every open item on every active file at once, nights and weekends.
She pre-underwrites before the file goes in, so fewer suspensions and less rework land back on your processors.
- 01File built
- 02Pre-underwritten
- 03Submitted
- 04Conditions worked
Clara does all four. Your underwriter still makes the call.
What Clara does on every file
- Builds the file. Collects what each borrower owes and chases what is missing.
- Reads every document. Wrong year, wrong borrower, missing pages, unreadable scan: Clara catches it and asks again with the reason.
- Pre-underwrites the file, finds the likely problems, and gets the documents that answer them.
- Submits the file to the lender and records what was sent and when.
- Works every condition that comes back, from the request through resubmission.
- Chases title, insurance, employers, payoff departments, HOAs and servicers.
What stays yours
- Your underwriter clears every condition, and lender policy stays authoritative.
- Your LOS stays the system of record. Your admin controls access and can revoke it.
- Every action and the document behind it sits in the activity log.
- When a file needs judgment, Clara hands it to your processor with the documents.
- Loandock does not place phone calls, underwrite, or make credit decisions.
See what changed on live files and how Loandock works a file.
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