Document Concierge
Predicts the full document set from loan type, investor and borrower profile, asks for it once, then chases and validates what comes back.
The full set is predicted from loan type and overlays, and the borrower is chased based on the needs list.
What it displaces
The manual chase emails, the incomplete file and the 4-5 days of delays between document submission and follow-up
Automated borrower follow-ups, real-time feedback, resulting in a complete package on the desk the first time underwriting opens it.
What it does
- 01
Predicts the full document set from loan type, investor overlays and borrower profile — real-time
- 02
Requests it in one go, then chases only what has not arrived
- 03
Reads and validates what comes back, including the non-standard layouts that break template extraction
- 04
Names the wrong document when it gets one, and follows up immediately when we have the borrower’s attention
- 05
Writes the validated file into the LOS, ready for the next milestone
What it leaves behind
- Paystubs, 30 daysreceived2 files · validated
- Bank statements, 2 monthsreceived4 of 4 pages
- Gift letter — donor requiredrequestedconventional · B3-4.3-04
- 1099, prior yearnot requiredW-2 borrower
Set predicted from loan type, investor and borrower profile before underwriting asks
Human-in-the-loop
No guesswork. Exceptions routed to humans
It never asks for a document it already has. When a borrower sends something it cannot classify, or the third request goes unanswered, it hands the file to the processor with what is outstanding and what it has already tried.
How a decision is made and provedWhat it runs on
2 of 3- Voice Agents
Borrower calls from the first web lead through servicing and payoff
- Speed-to-Lead
- LO Desk
- Servicing Line
- Document Intelligence
Intake, income, condition clearing, Closing Disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Closing Desk
- QC Desk
The rest of the origination side
All 9 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 02POSThe borrower’s front door, inside the system.
- 03Indexing AgentEvery page split, named and filed the moment it lands.
- 05Income DeskRep-and-warrant-eligible income, cited to the page.
- 06Conditions ManagerCreates conditions against the guide, then clears them.
- 07TRID & Cure ManagementWatches every clock, catches every cure.
- 08Pre-Close QC AgentEvery file before it funds, not a ten percent sample.
- 09Compliance AgentEvery loan-officer call scored, none sampled.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study