The mortgage underwriting process is often slowed by the manual and inconsistent task of identifying and managing loan conditions. To address this bottleneck, Ocrolus, the AI-powered data and analytics platform for credit decisioning, has announced the launch of automated conditioning. This new solution, unveiled at the MBA Annual Convention and Expo, is designed to help mortgage lenders accelerate clear-to-close timelines, increase loan quality, and reduce compliance risk by dynamically surfacing underwriting conditions within a structured, auditable system.
Ocrolus launches automated conditioning to streamline mortgage underwriting.
The AI solution automates the identification and management of loan conditions.
It targets the three most frequent categories: asset, income, and credit.
The tool reduces manual errors and increases process consistency for lenders.
It integrates with Encompass and allows for customization of condition templates.
This automation moves lenders from reactive checklists to proactive intelligence.
Historically, conditioning has been a labor-intensive process requiring underwriters to manually dig through documents, interpret guidelines, and enter data into loan origination systems. Ocrolus's automated conditioning, built into its existing Ocrolus Inspect platform, transforms this workflow. The new feature automatically identifies conditions and clearly displays the origin and rationale for each, powering their full lifecycle from identification through resolution. This not only speeds up the process but also creates a transparent and auditable trail.
"Automated conditioning eliminates one of the biggest bottlenecks in mortgage origination," said Nadia Aziz, General Manager of Mortgage at Ocrolus. "By applying AI to one of the most complex parts of mortgage underwriting, we're helping lenders move from reactive checklists to proactive intelligence - ensuring every loan is reviewed faster, more consistently, and with greater confidence. It's a leap forward for lenders and a better experience for borrowers."
The solution provides lenders with full visibility and control over the conditioning process. Users have the tools to edit, waive, or mark conditions as they are resolved. Furthermore, lenders can customize condition templates to align with their organization's specific internal processes. For seamless workflow integration, the solution connects directly with the Encompass loan origination system, allowing conditions to be imported and providing placeholders for any missing documents that are identified.
The current launch focuses on automating conditions in the most critical categories. However, Ocrolus has outlined a product roadmap that includes further enhancements in later phases. Planned capabilities include more granular lender controls, enhanced synchronization with Encompass, and full-loop automation to create an even more seamless and intelligent underwriting environment. This positions automated conditioning as a foundational step toward a more automated and data-driven future for mortgage lending.
Ocrolus is an AI-powered data and analytics platform that enables financial institutions to make faster, more accurate decisions. The company analyzes documents with over 99% accuracy regardless of format or quality, supporting a wide variety of document types including bank statements, pay stubs and tax forms. Ocrolus provides over 400 customers with a trusted solution to classify documents, analyze cash flows and income and detect fraud.
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