For LendersDocument Concierge
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.
The full set is predicted from loan type and overlays, and the borrower is chased based on the needs list.
What it displaces
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
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.
What it runs on
2 of 3Borrower calls from the first web lead through servicing and payoff
- Speed-to-Lead
- LO Desk
- Servicing Line
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 8 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 02POSUpstreamThe borrower’s front door, inside the system.
- 04Income DeskDownstreamRep-and-warrant-eligible income, cited to the page.
- 05Conditions ManagerCreates conditions against the guide, then clears them.
- 06TRID & Cure ManagementWatches every clock, catches every cure.
- 07Pre-Close QC AgentEvery file before it funds, not a ten percent sample.
- 08Compliance AgentAcross all of themEvery loan-officer call scored, none sampled.
You Ain't Seen Nothin' Yet
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from