Close more loans with less document chasing
An AI teammate that collects, organizes, validates, and tracks borrower documentation from application through underwriting — so your loan officers spend their time with borrowers, not inboxes.
Loan file · Purchase
FHA · 30-year fixed · Primary residence
- Government-issued photo IDName and DOB match applicationVerified
- W-2s, last two yearsEmployer, wages and EIN extractedVerified
- Pay stubs, last 30 daysReceived by email this morningVerified
- Bank statements, 2 monthsMost recent statement is 74 days oldOutdated
- Gift letterRequested · reminder sent by SMSRequested
- Purchase contractSignature page appears to be missingNeeds review
Loan document teammate asked the borrower for a current bank statement and flagged the purchase contract for the processor.
Less chasing. Cleaner files. Faster closings.
Document collection is where loan timelines quietly slip. Give that work to an AI teammate that never forgets a follow-up.
Faster closings
Complete, accurate files reach underwriting sooner — without days lost to back-and-forth over a missing page.
Cleaner loan files
Every document is checked the moment it arrives, so missing, outdated, or incomplete items surface early — not at underwriting.
Secure and auditable
Scoped access to borrower data, a full audit trail of every request and action, and deployment from managed cloud to on-prem. SOC 2 audit underway — see enterprise controls.
Built for real loan scenarios
Checklists adapt to loan type, borrower profile, and property — self-employed income, gift funds, second homes, and the other cases that break templates.
From application to underwriting-ready
Six stages your AI teammate runs on every loan, around the clock — with your team stepping in whenever a call needs human judgment.
Build the checklist
Determines exactly which documents this loan needs from the loan type, borrower profile, income sources, and property.
Required for this loan
- Tax returns, 2 years + Schedule C
- Year-to-date profit & loss
- Business bank statements
- Gift letter + donor statement
- + 11 more
Request and collect
Sends personalized requests by email and SMS, and follows up on its own until every item is in.
Classify and extract
Reads each upload, identifies what it is, files it in the right place, and pulls out the key data.
Validate
Checks for missing, outdated, or incomplete documents and inconsistencies against the application.
Issues go back to the borrower automatically — or to your team when it takes judgment.
Prepare for underwriting
Assembles a complete, organized file with a clear summary, ready for your underwriters to review.
Manage conditions
Picks up underwriting conditions, requests what's needed, and tracks each one through to clear-to-close.
- Updated pay stubCleared
- Explanation of large depositCleared
- Verification of employmentIn progress
Every loan’s status, without the status meeting
One live view of your pipeline shows which files are complete, which are waiting on borrowers, and which need someone on your team.
- Readiness on every fileSee how close each loan is to underwriting, updated the moment a document lands.
- What's missing, and from whomEvery outstanding item names the document, the borrower, and the last follow-up sent.
- Exceptions come to your teamAnything that needs a judgment call is routed to the right loan officer or processor.
- Whitfield, DanaRaleigh, NCFHA72%2 items missing
- Okafor, JamesColumbus, OHConventional100%Ready for UW
- Brennan, ClaireBoise, IDVA91%In review
- Nguyen, LinhSacramento, CAJumbo84%Collecting
- Castillo, RafaelTucson, AZUSDA58%4 items missing
- Hughes, MorganMadison, WIConventional100%Ready for UW
Your team keeps the judgment calls
The AI teammate takes the repetitive document work. Loan officers, processors, and underwriters stay in charge of the decisions that need experience.
Your AI teammate handles
- Builds the document checklist for each loan scenario
- Requests documents and sends every follow-up, on time
- Reads, classifies, and files each upload
- Flags missing, outdated, or inconsistent documents
- Assembles the underwriting package and tracks conditions
- Keeps borrowers, loan officers, and processors updated
Your team owns
- Borrower relationships and advice
- Loan structuring, pricing, and exceptions
- Reviewing anything the teammate flags
- Credit and underwriting decisions
Works with the systems you already run
The AI teammate meets borrowers where they already are, and keeps your LOS, CRM, and document storage in sync — no new portal for your team to learn.
Loan document teammate
Runs inside your Alloy workspace
Connects through Alloy’s controlled, logged connector layer — APIs, databases, and MCP. See integrations
Questions from lending teams
Which loan types does it support?
Conventional, FHA, VA, USDA, and Jumbo loans, plus the scenarios inside them — self-employed borrowers, gift funds, rental income, second homes, and more. Checklists can follow your own overlays and requirements.
Does it replace our loan processors?
No. It takes on the repetitive work — requesting, chasing, reading, and organizing documents — so processors can focus on reviewing flagged items and moving more files forward. Anything that needs judgment is routed to a person.
How does it connect to our LOS and CRM?
Through Alloy's connector layer: APIs, databases, and MCP. Every read and write is scoped and logged. We map your systems during onboarding, no engineering project on your side.
How is borrower data protected?
Access is scoped per teammate and every action is recorded in an audit trail. Deployment ranges from managed cloud to on-prem with self-hosted models, and our SOC 2 audit is underway.
Give your loan team its time back
See the AI teammate run a real loan scenario, from checklist to underwriting-ready file.