Loan Origination OS | Finance Automation

We architected a complete loan origination system starting with a self-service borrower portal that guides applicants through document submission with real-time validation, progress tracking, and intelligent prompts that ensure complete packages from the start. The portal integrates with Plaid for instant bank account verification and income data, eliminating the need for manual bank statement uploads in many cases. The AI document extraction engine uses OpenAI's vision capabilities combined with custom extraction logic to parse pay stubs, tax returns, W-2s, bank statements, and business financials with high accuracy, handling the variety of formats that different employers and institutions produce. Extracted data flows into automated verification workflows that cross-reference income against stated amounts, validate employment through database lookups, pull credit reports automatically, and flag discrepancies for human review rather than failing silently. The underwriting decision engine implements the firm's credit policies as configurable rules, scoring each application across multiple risk dimensions and generating preliminary decisions within minutes rather than days. A sophisticated exception handling system routes edge cases to human underwriters with all relevant context pre-assembled, including the specific reasons for escalation and suggested next steps. The pipeline dashboard provides real-time visibility into every loan's status, bottlenecks, SLA compliance, and projected close dates. Integration with title companies, appraisers, and closing attorneys automates the downstream coordination that previously required dozens of phone calls, emails, and manual status tracking across multiple external parties.

Custom loan portal, OpenAI for document extraction, Make.com, Plaid, Retool, PostgreSQL