AI Agent Catalog

AI Agents built for Lending

Production-ready AI Agents across Origination, Underwriting, Servicing, and Collections - designed to plug into your existing LOS, LMS, and servicing stack with full audit trails.

15+Production-ready AI Agents
4Core lending workflows
Day 1Integration-ready
Origination & AcquisitionUnderwriting & CreditServicing & Borrower ExperienceCollections & Recovery

Origination & Acquisition

Front-office agents that convert demand into decision-ready applications - with zero leakage and full policy alignment.

Workflow agentFully automated

Lead Intake, Enrichment & Routing

Handles every inbound lead - from web forms, partner referrals, branches, and campaigns. Instantly enriches with bureau triggers, income proxies, and product-fit rules, then routes to the right loan officer. No manual triage, no leads falling through the cracks.

What it delivers

  • Reduces lead assignment time from 4 hours to 2 minutes
  • Eliminates 100% of lead leakage across channels
  • Every lead enriched before first human touch

Connects to: Web CRM, LOS, partner portals, email, marketing tools

GTM agentAutomated outbound

GTM & Outbound Prospecting Agent

Goes out and finds demand before it finds you. Builds targeted prospect lists from LinkedIn, firmographic data, and intent signals, then runs personalised outbound sequences across email, voice, and LinkedIn - so loan officers are talking to warm prospects, not cold lists.

What it delivers

  • Builds 500+ warm prospects per month automatically
  • Increases outbound conversion rate by 3-5x vs cold lists
  • Multi-channel outbound sequences run without any manual effort

Connects to: LinkedIn, Clay, Apollo, email, voice dialers, CRM, LOS

Decision-support agentHuman-in-loop

Pre-Qualification Copilot

Runs soft credit pulls, FICO score review, DTI/LTV checks, and early fraud signals. Produces explainable pre-qual decisions mapped to internal policy and investor overlays - every decision is traceable.

What it delivers

  • Pre-qualifies applications in 3 minutes vs 15 minutes manual
  • Reduces downstream underwriting rework by 40%
  • Policy-linked explanations on every decision

Connects to: Equifax, Experian, TransUnion, LOS, AUS, policy engine

Voice + chat agentAlways-on

Application Completion Assistant

Drives borrowers to complete applications via voice or chat. Nudges for missing inputs, validates documents in real time, and reduces NIGO rates before files reach underwriting.

What it delivers

  • Reduces application drop-off rate by 25-30%
  • Lowers NIGO rate by 35-40%
  • Multilingual, 24/7 borrower engagement

Connects to: LOS, document storage, SMS, email, Telephony

Voice + AI-assisted agentHuman + AI assisted

Structured Borrower Interview (PD Agent)

Conducts guided borrower interviews via voice or assisted UI. Captures qualitative signals - intent, employment stability, cash flow behaviour - and converts them into structured risk inputs for the credit stack.

What it delivers

  • Standardizes PD turnaround to 5 minutes per call
  • Reduces PD re-dos by 20-25%
  • Behavioral and intent signals fed directly into underwriting

Connects to: LOS, CRM, voice systems, underwriting tools

Underwriting & Credit

Decision-support agents that compress turnaround time while improving consistency, accuracy, and auditability across every file.

Document AI agentAutomated + analyst reviewed

OCR, Classification & Data Extraction

Processes bank statements, W-2s, 1040 tax returns, paystubs, and closing documents. Extracts, normalizes, and validates data - then feeds structured outputs directly into underwriting models without manual re-keying.

What it delivers

  • Extracts financial data in 90 seconds vs 20 minutes manual
  • Achieves 95%+ accuracy on structured extraction
  • Auto-classification and checklist mapping
  • Structured data ready for underwriting models instantly

Connects to: Document storage, LOS, payroll / VOE providers, IRS data

Financial analysis agentFully automated

Cashflow & Income Underwriting

Analyses bank statements, tax returns, and payroll data to derive income, debt-service coverage, and repayment capacity. Detects anomalies like unreported liabilities and irregular deposits before the file reaches an underwriter.

What it delivers

  • Analyzes bank statements in 2 minutes vs 45 minutes manual
  • Detects 80%+ of anomalies before analyst review
  • Consistent financial assessment across every single file

Connects to: Bank statement parsers, payroll / VOE systems, LOS

Document AI agentAutomated, analyst-reviewed

Credit Memo Drafting

Synthesises tri-bureau data, AUS findings, financials, and collateral into a structured, policy-aligned credit memo. Underwriters edit and approve rather than write from scratch - every draft is versioned for audit.

What it delivers

  • Generates memo drafts in 4 minutes vs 90 minutes manual
  • Reduces memo turnaround by 60%
  • Uniform credit narrative across all underwriters
  • Full version control and audit trail on every draft

Connects to: LOS, tri-bureau, AUS, investor overlay corpus

Risk + fraud agentAutomated + human escalation

Early Fraud & Risk Detection

Identifies inconsistencies across documents, bureau data, and transaction history before underwriting begins. Flags synthetic identities, document tampering, and circular fund flows - upstream of any human review.

What it delivers

  • Flags fraud signals 100% upstream of underwriter review
  • Reduces fraud leakage by 15-20%
  • Cross-source validation - income vs tax returns vs employment
  • Risk score fed into underwriting before review begins

Connects to: Bureau, document AI, transaction data, LOS

Servicing & Borrower Experience

Always-on agents that handle borrower interactions at scale - grounded in your servicing policies, never improvising.

Voice + chat agentAlways-on, 24/7

Borrower Care Desk

Handles payment status, escrow questions, payoff quotes, and routine servicing requests with policy-cited responses. Hands off complex cases to live agents with full conversation context already attached - no re-explanation needed.

What it delivers

  • Resolves 70-80% of queries without escalation
  • Reduces human agent handle time by 4+ hours/day per agent
  • Consistent, compliant responses on every channel

Connects to: LMS, servicing platform, Telephony, chat, email

Voice + Chat AgentHuman-Escalated

EMI Restructure & Settlement Helper

Guides borrowers through EMI restructuring, OTS (One-Time Settlement), and payment holiday options via voice or chat. Captures financial situation, hardship reason, and repayment capacity - then packages complete resolution files (loan timeline, income/expenses, payment history) so recovery teams act immediately, without re-keying.

What it delivers

  • Packages resolution files in 8 minutes vs 40 minutes manual
  • Accelerates OTS approvals by 5-7 days
  • Zero data re-entry across LMS and collection systems

Connects to: LMS, CRM, Collections, Settlement tracking

Collections & Recovery

Agents that optimise outreach execution and portfolio prioritisation within compliance boundaries - focusing effort where recovery converts.

Voice + SMS agentAutomated outbound

Compliant Engagement Engine

Runs multi-channel outreach - calls, SMS, email - within TCPA, FDCPA, and Reg F compliant windows. Logs all interactions and auto-codes dispositions directly to your dialer system. No manual entry, no compliance gaps.

What it delivers

  • Increases right-party contact rate to 35-45% within RBI windows
  • Eliminates 100% of manual disposition logging
  • Do-not-contact and consent rules enforced automatically

Connects to: Dialer, LMS, SMS gateway, TCPA / FDCPA compliance engine

Workflow agentFully automated

Promise-to-Pay (PTP) Management

Tracks borrower payment commitments, sends timely reminders as due dates approach, and automatically re-queues broken promises - keeping portfolio-level PTP health visible to managers in real time.

What it delivers

  • Reduces broken PTP rate by 12-15%
  • Improves portfolio PTP health score by 8-10 points
  • Broken accounts re-routed with full collector notes

Connects to: LMS, collections systems, messaging tools

Decision-support agentDynamic, automated

Collections Prioritisation Agent

Ranks accounts dynamically based on recovery likelihood, exposure size, and behavioural signals - so collectors focus effort where it converts, not just who is next in the queue.

What it delivers

  • Increases recovery per call worked by 18-25%
  • Reduces collector idle time by 30%
  • Effort consistently focused on highest-impact accounts

Connects to: LMS, analytics stack, dialer

Ready to prioritize agents for your portfolio?

Start with an AI audit - we map use cases, data sources, and integration points, then stand up agents in the order that moves your KPIs fastest.

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