Approval AI

Approval AI uses a suite of autonomous AI agents to turn the mortgage process into a seamless workflow: from submitting a single application form to real-time lender bidding, portfolio-grade offer negotiation, document intelligence for underwriting, and closing cost validation. Borrowers receive curated offers and organized paperwork—all while their data stays encrypted and privacy-first.

Key Features

• Smart Rate Auction: AI agents simultaneously shop, negotiate, and vet lenders for rate and fee transparency.
• One-Form Application: Fill once—access offers from banks, credit unions, and mortgage insurers, reducing repeated input.
• Document Engine: Auto-assembles W-2s, income explanations, HOA reviews, and flags underwriter red-flags before submission.
• Privacy-by-Design: AES-256 encryption, masked data review, and user-limited lender access for compliant file handling.
• Closing Transparency: Compares your final Closing Disclosure to accepted offer guarantees to catch unexpected fees or errors.

Use Cases

• First-time homebuyers who want smarter rate shopping, folder packaging, and fewer follow-ups.
• Refinancing homeowners needing rapid rate comparisons and hassle-free closing timelines.
• Real estate professionals assessing buyers with pre-approved budget and verified financial readiness.
• Jumbo loan applicants requiring advanced underwriting validation and loyalty-based rate savings.
• Loan officers & financial advisors using the platform to expedite offers and manage faster closings.