AI-driven underwriting decision support

Eight hands on every file.

An AI underwriting engine that reads every page, answers every question, and shows its work — with your team in charge of the call.

Request a demo See how it works

How it works

Four steps from your guidelines to a decision you can defend. You teach it your rules once, then every scenario runs the same disciplined path.

Teach it your rules
Upload your underwriting guidelines — handbooks, overlays, internal policy. The engine reads every page and drafts your rules as plain-English questions. Your experts review, edit, and approve every one, so you own the rulebook. It is versioned and fully auditable, and when your guidelines change, the engine proposes what to add, change, or remove for your team to approve.
Submit a scenario
Send a scenario the way you already have it — structured loan data plus the supporting documents. Every document is automatically identified, organized, and inventoried, and anything missing is flagged immediately. Scenario-specific requirements, like automated underwriting findings, are read and applied too, with any waiver held for human sign-off.
Independent AIs answer every question
Three independent AI reviewers answer each question in your approved rulebook, working from the same organized evidence. When all three agree, the answer stands with a calibrated confidence score. Any disagreement or doubt routes straight to your underwriter — no single AI decides.
Decision, with humans in control
Your effective question set rolls up to an underwriting decision in minutes — approve, refer, or decline, with the conditions attached. Your underwriters review each answer side-by-side with the cited evidence and can override anything, with a reason. Every override updates the decision instantly, and every step lands on a permanent audit trail.

Built to be trusted, and to prove it

Nothing is skipped

The engine proves it read everything — every paragraph of your guidelines and every page of every file is accounted for. Coverage is proven, not sampled or searched.

No single AI decides

Three independent AI reviewers must agree before an answer stands; any doubt goes to your people. Their full deliberation is stored and reviewable.

Every answer shows its work

Open any answer to see the exact document, page, and highlighted region that justify it. Each one carries a calibrated confidence score — no black box.

Your team stays in charge

Your experts approve the rulebook, sign off on any waiver, and can override any answer. Every action lands on a permanent audit trail.

Under the hood

Guidelines become your rulebook

Upload unstructured guidelines and get an exhaustive, human-auditable question set covering every criterion. You review, edit, and publish it — the rules are yours to own.

Document intelligence

Send files the way you already have them — PDFs, scans, spreadsheets, and your structured loan data. Every document is identified, organized, and checked for what is missing before evaluation begins.

Pinpoint evidence citations

Every answer cites the exact page and highlighted region, or the exact field in a structured file, that supports it. The engine routes and reads the right documents in full — it never retrieves fragments and guesses.

Versioned, diffable rulebook

Every published rule set is immutable and versioned. Re-upload changed guidelines and the engine proposes a reviewed diff — add, change, remove — with your edits preserved and your approval required.

Live override and permanent audit trail

Underwriters override any answer with a reason and the decision recomputes on the spot. Every answer, edit, and decision is recorded forever, traceable back to its evidence.

Confidence you can trust

Every score reflects how likely an answer is to be right — not how confident the AI sounds. Anything uncertain, and any disagreement, surfaces for your review — no silent AI answers.

Ready for your security review

Your data stays yours: Complete separation between customers, enforced at every layer — your files are never visible to anyone else.
Single sign-on: Works with the identity provider your team already uses, so access stays under your existing controls.
Audit-ready exports: Hand an examiner the complete, tamper-evident record of any decision — every answer, citation, and override.
Dedicated environments: Prefer fully private? Run your own dedicated instance, separate from everyone else.
Transparent costs: Every file carries a clear, itemized cost. Spend is predictable, with no surprises.

See it on your own guidelines

Book a walkthrough and we'll show you the full path — guidelines to rulebook to a decision, with the evidence attached. Bring a scenario and we'll run it.