Your team shouldn't spend 4-5 hours on a single file
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Branded document requests
Get complete files before review
Send a lender-branded link to collect documents, verify identity, and connect financial accounts in one step. Automatic reminders reduce follow-up and keep files moving.
Income analysis
See the full income picture
Income segmentation, monthly balance trends, current financial commitments, and NSF history — all surfaced automatically in one view. Your team reviews verified insights, not raw documents.
Issues and alerts
Know what needs review right away
Built-in alerts surface everything that needs attention so nothing gets missed. Review, clear, or escalate any alert in seconds, with every action logged by name and timestamp.
Fraud detection
Catch what doesn't line up
Identity Mesh cross-references income, identity, and bureau data automatically to flag inconsistencies — so your team spots issues without hunting through documents.
Match your underwriting criteria
Customize income calculations, thresholds, and verification requirements to match your specific underwriting criteria.
Handle every income scenario
Verify salaried employees, self-employed contractors, and business-for-self income with tools built for complex mortgage scenarios and alternative income sources.
Flag income that doesn't add up
Applicant-reported income is automatically benchmarked against industry standards. Unreasonable claims get flagged without your team having to spot them manually.
Verify the down payment
Cross-reference balances across multiple statements, confirm required history, and surface recurring liabilities, NSF activity, and unusual transactions automatically.