AI for Mortgage Brokerages
Close More Loans Without More Processors
Your processors are buried in document verification. Your loan officers waste time on rate comparisons they could do in their sleep. Compliance reviews slow every file. The brokerage that automates these bottlenecks closes more loans with the same team.
The Problem
Your Pipeline Is Bottlenecked at Processing
Every loan file requires hours of document verification. Rate comparisons across multiple lenders eat into productive time. Compliance reviews add days to every closing. Your processors are the constraint, and hiring more is expensive and slow. Meanwhile, borrowers go with whoever gets them to the closing table first.
Slow document verification on every file
Pay stubs, bank statements, tax returns, and asset documentation all need manual review. Each file takes 4+ hours of processor time before it moves forward.
Manual rate comparisons across lenders
Loan officers spend 45 minutes per borrower comparing rates, fees, and terms across multiple wholesale lenders. Time that should go to closing more deals.
Compliance burden on every transaction
TRID timelines, disclosure requirements, and regulatory compliance checks add hours to every file. One mistake can mean fines or loan buybacks.
Processor bottleneck limits loan volume
Your loan officers can originate more, but processing cannot keep up. Every new processor costs $50K+ and takes months to train. Volume stays flat.
Automation 01
Document Verification
The AI reads every document in the loan file: pay stubs, bank statements, tax returns, asset statements. It verifies income calculations, flags inconsistencies, checks for missing pages, and produces a verification summary in minutes instead of hours.
Full Verification
Complete document package verified in 20 minutes instead of 4 hours. Income calculated, assets confirmed, red flags identified.
Missed Issues
Every page checked. Every calculation verified. Every inconsistency between documents flagged before submission to underwriting.
Condition Request
Auto-generated list of missing or insufficient documentation sent to the borrower immediately. Fewer back-and-forth cycles.
Automation 02
Rate Analysis & Comparison
The AI compares rates, fees, and terms across your wholesale lender partners in seconds. It factors in borrower profile, loan type, and LTV to recommend the best options. Your loan officers present better options faster.
Multi-Lender Comparison
Rates, origination fees, discount points, and closing costs compared across all your wholesale partners simultaneously. Best options surfaced in seconds.
Borrower-Specific Scenarios
The AI runs scenarios based on the borrower's credit, DTI, and property type. Different loan programs, term lengths, and buydown options all modeled automatically.
Rate Lock Monitoring
Track rate movements and alert loan officers when favorable windows open. Automatic rate lock recommendations based on pipeline timing.
Presentation-Ready Reports
Professional comparison sheets generated automatically for borrower consultations. Side-by-side breakdowns that help borrowers make confident decisions.
Automation 03
Compliance Checking
The AI monitors TRID timelines, verifies disclosure delivery, checks tolerance thresholds, and reviews the entire file for regulatory compliance before submission. Errors caught before they become violations.
What the AI Checks
- TRID timeline compliance and disclosure delivery verification
- Fee tolerance thresholds on Loan Estimate vs Closing Disclosure
- QM and ATR requirements for each loan product
- State-specific licensing and regulatory requirements
- HMDA data accuracy and reporting completeness
What Your Team Gets
- Pre-submission compliance report for every file
- Automatic timeline tracking with escalation alerts
- Tolerance violation warnings before they become problems
- Audit-ready documentation trail for every compliance check
- Regulatory update alerts when rules change
Automation 04
Borrower Communication
The AI manages borrower communication throughout the loan process. Status updates, document requests, milestone notifications, and closing preparation emails are all generated and sent automatically. Borrowers stay informed. Your team stays focused.
Application Status Updates
Borrowers receive automatic updates as their loan moves through processing, underwriting, and closing. Fewer anxious phone calls. Happier clients.
Condition Requests
Missing documentation requests sent immediately with clear instructions. Follow-up sequences ensure conditions are cleared quickly.
Closing Coordination
Pre-closing checklists, closing date confirmations, and post-closing follow-ups all automated. The borrower experience feels seamless.
Automation 05
Pipeline Management
The AI tracks every loan in your pipeline, identifies bottlenecks, predicts closing dates, and surfaces the files that need attention. Your team manages exceptions instead of spreadsheets.
- Real-time pipeline visibility across all loan officers
- Stalled file detection with recommended next actions
- Closing date forecasting based on current file status
Automation 06
Condition Tracking
The AI tracks every underwriting condition across your pipeline, monitors outstanding items, and ensures nothing falls through the cracks between submission and closing.
- Centralized condition tracking across all active files
- Automatic borrower notification for outstanding conditions
- Clear-to-close readiness scoring for each file
The Transformation
From Scattered to Streamlined
Before & After RunFrame
| Metric | Before | After RunFrame |
|---|---|---|
| Loans closed/month | 12 | 30+ |
| Doc verification time | 4 hrs | 20 min |
| Rate comparison time | 45 min | 5 min |
| Compliance review | 3 hrs | 30 min |
See Your Loan Volume Roadmap
Free 30-minute assessment. We will review your current process, identify the highest-impact automations, and outline a deployment plan specific to your mortgage brokerage.