AI-Powered Underwriting
Get instant decisions — not hours later.
Our AI engine analyzes thousands of data points in real time to provide accurate pre-approvals and surface conditions upfront. Stop waiting on underwriters to pick up the phone.
- Instant pre-approval letters with full conditions list
- Automated STIP generation tied to 1003 field gaps
- DU/LP AUS findings simulation before actual submission
- Risk scoring with explainable reasoning per loan
Neural Document Verification
Stop manually reading PDFs.
Our OCR pipeline reads paystubs, W-2s, 1099s, tax returns, and bank statements. It cross-validates extracted data against the 1003 and flags every discrepancy automatically.
- Dual-vendor consensus OCR (Textract + Gemini Vision)
- 99.7% accuracy on clean documents, graceful fallback on edge cases
- Front + back ID capture with AAMVA barcode scan
- Verify-before-save UI — see extracted data before it hits the loan file
Full-Stack Loan Origination
Your entire pipeline, one dashboard.
From guest 1003 to eSign to lender handoff — the complete origination workflow is in Unified Loan System. No spreadsheets, no email chains, no third-party LOS required.
- Kanban pipeline with real-time status tracking
- In-house eSign (PAdES) — no per-envelope DocuSign fee
- MISMO 3.4 lender export for UWM and other wholesale lenders
- eSign audit trail: IP, timestamp, signed fields per event
CRM + AI Email Campaigns
Your contact book with a brain.
Built-in CRM for leads, borrowers, partners, and outreach contacts. Breeze AI writes and schedules campaigns, handles re-engagement, and sends post-closing follow-ups automatically.
- Unified people list: leads, borrowers, partners, contacts
- Breeze AI writes personalized email copy at the segment level
- Autopilot campaigns with office-hours throttle + sending rails
- Re-engagement and post-closing follow-ups on configurable schedule
Built-In Compliance Engine
Stay clean without the manual overhead.
Automated ATR, HMDA, OFAC, and state-level high-cost checks run on every loan edit. Audit trails, LAR export, and MISMO handoff keep you exam-ready at all times.
- ATR (Reg Z), HMDA, OFAC screening on every loan save
- State routing: CA, NY, TX, FL high-cost + federal §1026.32
- Audit log at /admin/audit — full event history per loan
- HMDA LAR CSV export and MISMO 3.4 lender submission file
Enterprise-Grade Security
Built for the data sensitivity of mortgage.
Three tiers of security hardening — account lockout, MFA, passkeys, session binding, impossible-travel detection, and step-up auth for every sensitive action.
- Passkeys (WebAuthn) + TOTP MFA for brokers
- Step-up auth on credit pulls, rate locks, and SSN/DOB reveals
- Impossible-travel alerts + sign-out-everywhere
- Session IP/UA binding + idle timeout enforcement