Underwriting Intelligence for Modern Lenders

$1/loan document. Complete underwriting intelligence with zero data storage.

<3 min
Processing Time
30 documents in under 3 minutes
$20
Per Loan Package
20 docs @ $1/doc (vs $150 manual)
87%
Cost Savings
$20 vs $150 manual underwriting

The Agent in Action

Watch it process a complete loan package in minutes

123 Main St, Columbus, OH 43215
15 documents

Processing Timeline

Document Detection
Scans and identifies all files in the package
Document Analysis
Classifies documents by type and purpose
Data Extraction
Extracts structured data from all documents
Quality Validation
Cross-references data for accuracy
Financial Calculations
Computes all key financial metrics
Underwriting Assessment
AI-powered loan quality evaluation
Report Generation
Generates comprehensive dashboard

Multi-Format Intelligence Deliverables

Access underwriting intelligence as PDF report, JSON API, or spreadsheet export

Loan Intelligence Report

NEEDS DOCUMENTATION

Borrower

John Doe

Main Street Properties LLC

Property

123 Main St, Columbus, OH 43215

Single Family
DSCR Purchase$360K • 80% LTV • 7.25% • 30 Year Fixed
Application
Pre-Qual
3
Underwriting
4
Approval
5
Closing
6
Funded
Phase Progress
85%
Outstanding: Title Commitment • Tax Returns

Underwriting Assessment

CONDITIONAL APPROVE

Overall Score

76

050100

The loan demonstrates strong fundamentals across all key dimensions. The borrower presents excellent creditworthiness with a FICO score of 740, substantial financial reserves ($800K liquidity, $2M net worth), and conservative leverage at 80% LTV. Conditional approval pending receipt of title commitment and tax returns.

Risk Assessment

Credit

low

Collateral

low

Liquidity

low

Documentation

medium

Strengths

  • +Strong borrower creditworthiness (FICO 740)
  • +Excellent liquidity position ($800K available)
  • +Conservative LTV at 80% provides equity cushion
  • +Adequate DSCR of 1.25x meets minimum requirements
  • +Net worth of $2M demonstrates financial capacity

Action Required

  • !Submit title commitment before closing
  • !Provide 2023-2024 tax returns for final verification
  • !Rent roll required to confirm DSCR calculation

Credit Policy

Standard DSCR Guidelines
INSIDE BOX
Fit Score
88%

Loan meets all standard DSCR policy requirements. Strong credit profile and conservative leverage position this loan well within guidelines.

Ready to transform your underwriting workflow?

Compare Costs

See what manual underwriting costs vs. automated intelligence

Market cost
$150
Manual Underwriting
LoanIntelligence.ai
$20
Manual Underwriting
Market cost
2-5 hours
Processing Time
LoanIntelligence.ai
<3 min
Processing Time
Market cost
$400-600
Loan Packaging Service
LoanIntelligence.ai
$20
Loan Packaging Service
Manual underwriting (100 loans/mo)
$15,000+ / mo
Underwriters @ $150/loan with 2-5 hours per package
Automated intelligence
$1,500 / mo
Professional plan + 25% discount on every document
View Pricing Plans

Don't Wait for Complete Packages

$1 per document. Submit what you have now - get complete intelligence at every stage, even from partial packages.

DAY 1 - Initial Application

Loan App + ID + Pay Stubs

Dashboard: Borrower info, partial income verified

3 documents total
Processing Cost
$3
3 loan docs × $1
DAY 3 - Financial Docs

Bank Statements + Tax Returns + Financials

Calculations: LTV 80%, DSCR 1.25, DTI 42%

+10
13 documents total
Processing Cost
$10
10 loan docs × $1
DAY 5 - Property Docs

Appraisal + Insurance + Property Photos

Dashboard: Complete

+15
18 documents total
Processing Cost
$5
5 loan docs × $1
FINAL PACKAGE

Complete Underwriting Package

Dashboard complete with all calculations, risk scoring, and underwriting intelligence ready for decision.

18 documents total
Complete Package Cost
$18
18 documents × $1 each
Save $125-500 vs manual underwriting per loan

Lifecycle-Aware Intelligence at Every Stage

Whether you submit 3 documents or 20, you always get complete outputs

$1 per loan document. Start with whatever you have. Add docs as they arrive. Intelligence updates automatically.

Dashboard

Complete borrower profile with all extracted data

Missing Docs Checklist

Know exactly what's missing for complete underwriting

Flagged Corrections

AI-identified discrepancies and data quality issues

Financial Calculations

LTV, DSCR, DTI calculated from available data

Underwriting Intelligence

Risk assessment and decision-ready insights

Start Processing Today

No setup fees. No minimum commitment. Try with $25 free credits and see the intelligence for yourself.

Transparent Pricing

$1/document. No hidden fees. Instant activation. Pay only for what you use.

Common Questions

How does progressive processing work?

Submit loan documents as they arrive - even incomplete packages. You get lifecycle-aware intelligence (dashboard, calculations, risk scoring) at every stage for $1 per document.

See How It Works

What outputs do I get?

JSON data, PDF reports, and optional Google Sheets sync. Every data point includes source citations and page numbers for audit trails.

See Demo

How do I integrate with my LOS?

Use our JSON API to call from your LOS or platform, or enable Google Drive automation for zero-touch processing. We're stateless - you can integrate anywhere.

Learn About Integration