A configurable underwriting engine with AI agents that validate every file for authenticity, accuracy, and eligibility—before underwriting begins.
BUILT ON YOUR GUIDELINES + INVESTOR OVERLAYS · PURPOSE-BUILT FOR NON-QM
We handle the manual, tedious, and error-prone tasks so your team can focus on high-value work and close more loans with less risk.
Document Intelligence
Underwriting is only as good as the document underneath it. We classify every document to determine the agents to run, what rules to apply, and which fraud checks to trigger.
Specialized Agents
Purpose-built agents for the hardest non-QM loans. From a property agent that enriches appraisals with 3rd party data, to our investor-ready bank statement income analysis.
Configurable Rules
Unlike DU and LPA for agency lending, LoanLight’s architecture is built around flexible configurations to accommodate custom rules and proprietary guidelines.
Our agents prepare, your team approves.
LoanLight's agents validate docs and data, calculate income and assets, and run credit and appraisal reviews — before an underwriter touches it.
Secure by design. Agentic by nature.
AI teammates you can trust.
Deterministic checks, a human on every approval, and enterprise controls underneath.
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 attested, with SSO and role-based access control on every account. Independently audited against enterprise standards.
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