Industry · Mortgage & Lending

A loan officer that pre-qualifies and closes faster.

Mortgage and personal loan inquiries: prequal, document collection, status updates — without phone tag for weeks.

Mortgage & Lending · AI agent• Online
Typing|
The industry problem

What's breaking in mortgage & lending right now.

Pre-qual takes a week

Borrowers call, wait days for callback, get pre-qual'd elsewhere first.

Documents missing endlessly

Underwriting stalls because borrower keeps forgetting one document.

Status update calls clog officers

'Where's my loan?' calls eat 30% of officer time — not closing more loans.

Rate shopping kills loyalty

Borrowers can't see real rate fast; bounce to competitor; never return.

How it works · 01

What the loan officer knows

  • Loan products, rates, terms and current pricing grid
  • Pre-qualification logic: DTI, LTV, credit thresholds
  • Required documents by loan type and borrower profile
  • Underwriting status across loan-origination system
  • Closing cost components and timing
  • State/country regulations and disclosures
How it works · 02

What it does for every customer

  • Runs soft-credit pre-qual with rate quote in chat
  • Collects W-2s, bank statements, ID via upload
  • Sends loan-status updates and document reminders
  • Books appointments with loan officers for qualified leads
  • Handles refinance and HELOC inquiries
  • Tracks rate-lock expirations and proactively re-engages
A real example

Direct mortgage lender · ₪8B annual volume

Inquiries/wk
1,800
Pre-qual rate
14%
Avg time to pre-qual
3 days
Doc stalls
39%
Before the AI agent
3 days
Pre-qual turnaround
39%
Loans stall on docs
30%
Officer time on status
Lost
Off-hours rate shoppers
Friday · 23:40 Reply < 30s
Looking at a 4.1M apartment, have 1.2M down. What rate could I get? Income 32K/mo, no debt.
Quick math: 4.1M price − 1.2M down = ₪2.9M loan, LTV 71% (good), DTI ~22% (excellent). For your profile, today's pricing: 30-yr fixed 6.1% APR or 5/1 ARM at 5.4%. Monthly on 30-yr: ~₪17,500. Soft-credit pre-qual takes 90 seconds — no impact on score. Want to run it and lock today's rate for 60 days?
Yes. What docs will I need?
Pre-qual'd at 4.4M max (you're well under). Lock confirmed at 6.1% for 60 days. Document checklist: 1) ID, 2) 3 recent paystubs, 3) 2 years tax returns, 4) 3 months bank statements, 5) signed purchase agreement when you have it. Upload in chat any time — I'll nudge you if anything's missing. Loan officer Dani will be your point person and reach out Mon 10:00.
What your team sees
App
✅ Pre-qual'd · ₪4.4M max · rate locked 6.1%
Profile
DTI 22% · LTV 71% · clean credit
Docs
Checklist sent · upload portal open
Officer
Dani · Mon 10:00 outreach
Lock
60 days · auto-reminder set
Pushed automatically to your CRM via webhook.
After 4 months
Pre-qual turnaround
90 sec
From 3 days
Doc completion
91%
From 61%
Officer status calls
−74%
Self-serve
Off-hours apps captured
+58%
Weekend rate-shoppers
Industry-specific

Built for mortgage & lending.

01

Soft-credit pre-qual

DTI/LTV math in chat with live rate — no score impact.

02

Rate lock

Locks today's rate, tracks expiration, re-engages before it lapses.

03

Document chat-upload

Borrowers upload docs in chat; OCR validates; auto-nudges what's missing.

04

Status updates

Underwriting progress, conditional approvals, closing timelines — pushed proactively.

05

Refinance triggers

Watches portfolio for rate-drop refi opportunities; nudges borrowers.

06

Compliance & TILA

Disclosures, fees, comparison docs — all generated and logged compliantly.

Who it fits

Made for every shape of mortgage & lending.

Mortgage lenders

Direct & broker

Refinance specialists

Refi-focused shops

Credit unions

Member lending

Personal loan lenders

Unsecured loans

Business lenders

SMB term loans

Student lenders

Refi & private

Common questions

  • Yes — native connectors for the tools lenders use (CRM, scheduler, billing, catalog). Custom APIs via webhooks.

Ready when you are

Pre-qual in 90 seconds. Close in 30% less time.

14 days · No credit card · Cancel any time

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