Application to clear-to-close: it collects, verifies, and chases every document, drafts Letters of Explanation, and works underwriter conditions. Inside your LOS, with a human where it counts.
Encompass
live read / write
24/7
works every file
Human
clears the risky calls
Unlike back-office roles, processing stays expensive and manual. Your team spends its days creating doc-request tasks, chasing borrowers, checking documents, and re-requesting the wrong ones. The funnel leaks at every step, and every leak is a chase-the-borrower problem.
After the app link
45% of borrowers never submit a single document.
Past the first LO call
Only ~25% of leads that pass the initial call get preapproved.
Preapproved → clear-to-close
Only ~49% of preapproved borrowers reach Clear-to-Close.
Pre-approval → under contract
Takes 5 to 6 weeks, most of it spent waiting on paperwork.
of borrowers never submit a single document after getting the application link. Every one of those is exactly the work the AI processor takes over.
Industry pain point: the work Loandock is built to fix.
A deterministic engine decides what's needed next, not a wandering AI, wrapped around narrow, individually-evaluated AI judgment steps. Predictable, auditable, and safe.
Once a lead passes filtering and gets the app link, it collects the lightweight gate, photo ID and credit authorization, so real document collection can begin.
Collects the exact income and asset documents for the borrower’s income type, whether W-2, self-employed, SSI, VA, or pension, verifies them, and follows up daily until they’re all in.
Works the full document checklist, verifies each item, and assembles the complete package for the underwriter.
Parses the condition list, determines which need borrower documents, collects and verifies them, and tracks the file all the way to Clear-to-Close.
Works every file 24/7, never drops a borrower, and writes back to your system of record, with a human in the loop wherever it matters.
Reads each loan’s open conditions, derives the right documents by income type, and sends one clean consolidated request, then follows up until everything’s in.
Texts and emails borrowers in a warm, plain-English voice. Smart channel choice, TCPA / quiet-hours aware, opt-out honored automatically.
Checks every submission like a person would: readable, correct type, correct year, correct person, with multi-document sets tracked until complete.
Drafts attestation-grade Letters of Explanation, routes them for legally-binding e-signature, and files the signed copy back automatically.
A chat where the loan officer directs the processor in plain language, “draft the LOX,” “request the remaining docs,” and it executes, every action logged.
Anything the AI can’t safely resolve is escalated to a human, per loan and across the pipeline, with a one-click resolve that does the real work.
Files documents into the Encompass eFolder and recommends conditions satisfied. The AI recommends; a human clears, never silently.
A live, step-by-step view of exactly what the processor did on every file, for trust and auditability.
A Model Context Protocol server per system, so the AI reads and writes your system of record over a clean, governed interface, not brittle scripting. Each new LOS / POS is an integration layer, not a rebuild.
Live today
Coming soon
It replaces the expensive, manual, borrower-facing chase, not a back-office task that ships overseas.
A deterministic spine runs the sequence; AI only handles narrow, evaluated judgments. Sends are gated, and anything uncertain goes to a human.
Lives inside the LOS over a real, MCP-governed interface, so the system of record stays the single source of truth.
Documents are filed and conditions recommended satisfied, but a human clears every one. It never silently marks a condition done.
Three services, one story, and they all live inside the stack you already run. Here's where this one sits.
The grind from “approved” to “clear-to-close,” automated, and escalated to a human only when it truly matters. Currently live with Society Mortgage.