Underwriting That Moves at the Speed of Agentic AI

SimplAI Mortgage Underwriting Agentic Workflow

Automate document-linked decisions, borrower evaluations, and condition checks — aligned to your credit policy.

Why SimplAI?

How SimplAI Transforms Mortgage Underwriting

Smart Ratios, Zero Spreadsheets

Agents calculate DTI, LTV, and expense ratios from documents - using your overlays.

Applies your credit rules with precision

Outputs consistent, review-ready results

One Summary, Total Context

No more file toggling - get full borrower context in one view.

Pulls data from W-2s, 1040s, VOEs, bank statements

Flags expirations, gaps, or missing documents

Go Beyond Just the Appraisal Value

Get deeper insight from appraisal documents and disclosures.

Detects risks like deferred maintenance or valuation gaps

Standardizes property review criteria

Go Beyond Just the Appraisal Value image

Turn Conversations into Credit Insights

Agents extract meaning from personal discussion notes and call transcripts.

Flags risks like inconsistencies or borrower hesitation

Adds qualitative signals to your decision process

Turn Conversations into Credit Insights image

Results That Matter

Higher productivity, cleaner decisions, and fewer manual handoffs.

Prep Time

70%

Fewer manual calculations

Condition Follow-Ups

5-7

Fewer doc requests

Approval Accuracy

95%+

Policy-aligned outcomes

Underwriter Productivity

2×

More files reviewed

Empowering Underwriters to Focus on Decisions, Not Data Chasing

Applies Your Credit Logic

Agentic workflows follow your overlays - not generic scoring models.

Understands Cross-Document Context

Connects income, assets, and liabilities across files.

Standardizes Underwriting Output

Every loan gets consistent, auditable treatment.

Works With Your LOS

Seamless with existing LOS, core banking platform and more.

Compliance-Ready Automation

Every decision is logged, traceable, and tied to its source document.

Built for Speed and Scale

Support 2× the underwriting volume without increasing headcount or risk.

Seamless, Scalable AI Underwriting - No Spreadsheets, No Surprises

From ratios to red flags, SimplAI gives your underwriters the clarity to move faster with confidence.

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