A configurable underwriting engine with AI agents that validate every file for authenticity, accuracy, and guideline fit. Every fact, finding, and calculation is explainable and reproducible—ready for your decision.
BUILT ON YOUR GUIDELINES + INVESTOR OVERLAYS · LIVES INSIDE YOUR LOS
AI agents handle the manual, tedious, and error-prone tasks so your team can focus on high-value work and close more loans with less risk.
Increase Throughput
Agents read every document, extract and validate data, and run rules so underwriters know instantly where to invest their time.
Reduce Human Errors
AI is naturally better than humans at the tedious, repetitive tasks that are easily missed, but tend to bite you post close.
Gain Confidence
We deliver the speed, confidence, and scale of the conforming market to loans that still get underwritten by hand.
LoanLight's agents validate docs and data, calculate income and assets, and run credit and appraisal reviews — before an underwriter touches it.
Every check, audit ready.
Deterministic checks and a full audit trail — so what reaches the underwriter is review-ready and defensible.
Agent reviews. You approve.
Agent-prepared, underwriter-reviewed — nothing moves to the next stage without human sign-off.
Enhanced data = better decisions
Fits seamlessly into your stack
Runs inside Encompass or connect securely with our API. No new system for your team to log into.
All data stays onshore
No offshore contractors handle your documents, and no offshore prep vendor sits in your workflow at all.
Secure by design
SOC 2 Type II certified, with SSO and role-based access control on every account. Independently audited against enterprise standards — not self-attested.
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