Loan processing that runs itself.
AMY reads the documents, clears the conditions and answers the underwriter — end to end, unattended. A processor supervises. They do not process.
What it does with a file
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Reads the pile
Phone photos, PDFs, a screenshot of a brokerage app — classified, every page counted, every field scored.
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Calculates the income
Bonus averaged over 24 months; the trend is down, so the lower figure governs. The worksheet is attached.
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Reconciles the assets
Every statement ties. A business operating account is recognized and left out of reserves.
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Sources the deposits
An $18,400 deposit matched to the gift letter already in the file, donor statement requested, condition closed.
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Submits the file
1003 built, 1008 derived, package stacked in the order an underwriter reads. Nobody clicks submit.
Measured
When a human is called
Never for “low confidence” — AMY resolves its own uncertainty by getting the missing document. These are questions of authority, not difficulty.
- Policy exception
A guideline exception is a human underwriter's call.
- Identity or integrity
A document failed a check. A person confirms fraud signals.
- Borrower dispute
The borrower contests a figure AMY derived.
- Signature required
AMY will not sign on someone else's behalf.
- Adverse action
Denial or counter-offer. Regulated notice, human decision.
Connected
Hub and spoke, never point to point. Encompass never talks to Salesforce — both map into and out of one MISMO 3.4-aligned canonical file, so a field is reasoned about once and the number of mappings stays linear.
Encompass, LendingPad and Arrive on the LOS side; Salesforce, Total Expert, HubSpot, Surefire and Velocify on the CRM side. Or self-host the Fineract or Frappe fork.