LoanRelay is the smart origination workflow between your loan officers and your document prep system. No more re-keying. No more returns. No more chasing officers for corrections.
An application comes in online. Someone prints it. A loan officer re-types it into their system. Then the processor re-types it into the doc prep platform. Every handoff increases the error rate and reduces efficiency.
Your origination workflow depends on institutional knowledge that isn't documented, isn't standardized, and walks out the door when key people leave. Policy gets applied inconsistently because there's no system enforcing it.
Your processing team spends more time sending packets back for corrections than actually boarding loans. The errors aren't their fault — the workflow is.
A branded application form on your website feeds directly into LoanRelay. No printing. No re-keying. Walk-in applications enter the same system.
DTI, LTV, DSCR, and payment calculations update in real time. Policy exceptions flag instantly. Rate recommendations appear from your own rate tables.
Out-of-policy items route to the right approver automatically. Second signatures are captured digitally. Everything is documented for examiners.
A complete, validated loan packet — borrower data, collateral, coding, documents, approvals — ready for your team to board into your document preparation system.
Set your own limits for every collateral type: max DTI, LTV, credit score floor, amortization, maturity. When a loan exceeds any limit, the system flags it — never blocks it. Your officers still make the call.
Prime-plus matrices for secured loans. Bracket-based pricing for unsecured. Auto-debit and relationship adjustments. Officers see the recommended rate instantly and document any variance.
New originations, renewals, modifications, extensions, deferrals, and denials. Each with the right data capture, the right approvals, and the right audit trail. Not just new loans.
Purpose codes, collateral codes, call codes, CRA categories — automatically populated from your configured loan coding table. Your call report data starts clean.
Structured data entry for personal returns (Schedules C, E, F), business returns, and financial statements. Multi-year trending. Income qualification rules you configure.
Every action logged. Policy version snapshotted at origination. An examiner can reconstruct exactly what limits and rates were in effect when any loan was approved.
Flags likely data entry errors — income in the wrong frequency, missing vehicle year, employment field inconsistencies — before the officer starts working the loan.
Reviews the entire packet against processing requirements before it leaves the officer's desk. Missing fields, cross-field inconsistencies, coding mismatches, document gaps — caught before they become returns.
When a loan has policy exceptions, AI drafts the mitigating factors justification using the packet data. The officer reviews, edits, and approves. Saves 10-15 minutes per exception loan.
Generates compliant denial letters from the structured reasons the officer selected. Reduces compliance risk from manually drafted notices.
LoanRelay is launching fall 2026. We're working with a small group of Oklahoma community banks to refine the product before general availability. If you'd like an early look, let's talk.
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