Security

Built like a vault. Opened only by people licensed to.

How Unified Loan System protects a borrower's file, in plain terms and in full. Everything here is checked against the running platform before it is written down; anything that cannot be checked is left out rather than softened.

Where your information goes

You
Encrypted in transit
Your brokerage's isolated file
Every access logged

The full specification

Identity

1
Two-step sign-in on every account, always on.
2
Passkey and authenticator-app sign-in.
3
New-device detection with instant alerts.

Encryption and isolation

4
TLS 1.3 across the platform, with strict transport security preloaded in browsers.
5
AES-256-GCM encryption for stored credentials.
6
Hard isolation between brokerages. One firm's data is never queryable by another.

Documents

7
A complete audit trail: every view, download, and signature time-stamped and attributed.
8
Signatures recorded with device and address evidence.
9
Credit data handled in memory only, never written to storage.
10
Content-fingerprinted storage, so a file exists once and cannot be silently swapped.

Compliance built in

11
Disclosure timing enforced automatically, with receipt dates tracked.
12
Industry-standard loan data, validated against the official schema before it leaves.
13
Sanctions screening before any submission or export.
14
A written federal safeguards program and a licensed broker on every loan.

Reliability

15
Works offline. The application saves on your device and syncs when you're back.
16
Six languages.
17
Live status from appraisal, title, and lender partners.

AI with people in charge

18
Personal identifiers are redacted before any document reaches an AI model.
19
AI reads and sorts; licensed people make every decision.
20
A single switch disables cloud AI platform-wide.

Our hosting and data partners hold SOC 2 Type II reports. Unified Loan System itself has not completed a SOC 2 audit.

Anything we cannot verify is left off this page, never reworded to keep it.