Non-agency lending is a vital part of the modern mortgage landscape, serving financially capable borrowers who don’t fit within standard agency criteria. Unlike agency lending, these loans lack a standard automated underwriting system—resulting in no shared underwriting language and making it difficult to create a scalable, verifiable asset class.

LoanLight is the first AI-native platform purpose-built for non-agency and non-QM lending — transforming how loan files are prepared, validated, and underwritten. By combining deep mortgage expertise with purpose-built AI, we help lenders move faster, investors buy with confidence, and borrowers get to “yes” faster.