For mortgage lenders. Works inside your LOS.
The AI loan processor.
It reads your condition list in your LOS, chases whoever owes each document, checks what comes back, and marks conditions fulfilled for your underwriter.
From live files
35
underwriter conditions fulfilled over one weekend, on a single live file.
2 weeks
A file had sat suspended about a month. Loandock worked the conditions; your underwriter issued clear-to-close about two weeks later.
7 days
A file carrying 120+ conditions and flags, worked start to finish, against the roughly 25 days it would normally take.
8-10 hrs
of chasing on that 120+ condition file, down from the 60 to 70 hours it takes by hand.
Backed by Antler
It chases whoever owes the document, not just the borrower. Title, insurance, the HOA, an employer, a CPA, a payoff department.
One condition, worked end to end, on camera.
See it work
Watch it fulfill a condition. Then try it yourself.
Clara collects the documents, catches the wrong ones before your underwriter ever sees them, and marks the condition fulfilled. Click a file. Type an instruction.
Clara says it is Loandock's automated assistant on first contact, names your company, and hands off to a person the moment a borrower asks. Every message is logged, TCPA and quiet-hours gated, with opt-outs honored automatically.
Interactive demo. Use the suggested actions or type an instruction to the Clara agent, then approve the item it escalates to you.
4 are a borrower ask. The rest sit with title, insurance, an HOA, an employer or a payoff department, and Clara chases those too.
A new underwriter condition: pay stubs, most recent 30 days.
auto tourWant to see it on a closed file of your own, read-only? Book an intro call.
Wrong documents get caught, not filed.
Borrowers send the wrong year's W-2, half a bank statement, a receipt instead of a form. Loandock opens each document the moment it lands, checks it against the condition, explains to the borrower why it doesn't satisfy it, and asks again. Only the right document gets filed to the condition and marked fulfilled.
Borrowers do not upload documents until somebody asks, and then asks again. These files got worked anyway.
35
Conditions fulfilled in one weekend
35 underwriter conditions fulfilled over one weekend, on a single live file. By hand that pile runs about two weeks.
2 weeks
Suspended file to clear-to-close
Loandock worked the conditions on a file that had sat suspended about a month, and the underwriter issued clear-to-close about two weeks later.
Real files from a live production deployment. Individual results vary by file and lender.
- Consolidated document request sent via SMSClara · 9:14 AM
- Uploaded pay_stubs_mar2026.pdfBorrower · 6:52 PM
- Wrong pay period caught, re-requested in plain EnglishClara · 6:53 PM
- Uploaded pay_stubs_aug2026.pdfBorrower · 9:01 PM
- Filed to the condition and marked fulfilledClara · 9:01 PM
- Underwriter reviewYour team · 8:12 AM
6:52 PM to 9:01 PM. Nobody on your team was working. Clara was.
The AI Processor runs the borrower-facing grind end to end, inside your system of record. AI Ads + CRM brings you the borrower in the first place.
AI Processor
It reads your condition list, then collects every borrower document, checks it against the condition, and files it. It follows up on its own and works approval conditions end to end inside your system of record. Loandock marks conditions fulfilled; your underwriter clears them.
- Autonomous document collection
- Every document checked against its condition
- Borrower comms + underwriter conditions
- Writes back to Encompass
35
underwriter conditions fulfilled over one weekend, on a single live file
7 days
a file carrying 120+ conditions and flags, worked start to finish, against the roughly 25 days that file would normally take
AI Ads + CRM
AI-targeted ads and content fill the pipeline. Every lead is qualified and booked automatically, and the whole thing lands in one CRM.
Also from Loandock: the MLO Engine for accurate loan pricing and realtor sharing, a separate self-serve product on its own site.
Two AI services, one platform. Bring the borrower in, then work the file to close without leaving Encompass.
Bring the borrower with AI ads that qualify and book.
AI generates and runs your video ads. Every lead is qualified the moment they opt in, booked straight to your calendar, and tracked in one CRM.
- AI video ads built and launched for your market
- Instant qualification the moment a lead opts in
- Auto-booking straight to your calendar
- CRM that tracks every borrower in one pipeline
Generating: "2026 FHA Loan Requirements Explained"
Close it with processing that runs itself.
A borrower-facing assistant collects documents and checks each one against the condition it was requested for, tracks underwriter conditions, and keeps everything in sync inside your LOS.
- Borrower-facing document collection
- Every document checked against its condition
- Underwriter conditions tracked and fulfilled
- Synced inside your LOS in real time
Hi Sarah, we need your last two pay stubs and your January bank statement to fulfill two conditions. Upload them right here.
Just uploaded both. Anything else you need from me?
Got them and checked. Your file is updated in your LOS and your underwriter has what they need.
Connected today: Encompass, Calyx Path, and Arive. More LOS connections are available on request.
Your first three files are free.
Bring three conditionally approved files. Loandock works each file’s condition list to fulfilled, free. Continue per file if it holds up, or shut off the login you issued and owe nothing.
See how the pilot worksBring one closed file and your own condition list. Loandock works it read-only in front of you, with nothing written back and no borrower contacted.
The call below is an intro call. The three free files come after the read-only walkthrough, not first, and the walkthrough on your production instance gets scheduled after the due-diligence packet reaches your CCO and your IT lead.
FAQ
Frequently asked questions
What is an AI loan processor?
An AI loan processor is software that performs a mortgage processor's document work inside the lender's LOS: reading condition lists, requesting documents from the responsible party, verifying what comes back, filing accepted documents, and marking conditions fulfilled for the underwriter.
Does Loandock clear underwriter conditions?
No. Loandock fulfills conditions: it gathers, verifies, and files the documents and marks each condition fulfilled. The underwriter clears every condition, exactly as in a fully human workflow.
Which LOS does Loandock work with?
Encompass (ICE Mortgage Technology) is the proven production environment, with live retail files since 2025.
Is Loandock a chatbot or an OCR tool?
Neither. Chatbots answer questions and OCR tools extract data for a human queue. Loandock works the condition end to end: request, verify, reject wrong documents with the reason, file, and mark fulfilled in the LOS.
Does Loandock replace my processing team?
It takes the follow-through work off their desk, the opening, checking, chasing, and filing, so the team's capacity goes further. Judgment calls route to your people.