The AI-native loan origination system for private lenders.

Strong loan origination software captures applications and borrower data in one place, automates workflows and approvals, supports underwriting, manages documents, structures terms and fees, and hands closed loans to servicing without re-keying. Envoy covers all of it, and adds AI agents that read documents, check them against your policies and build the loan file for your team.

Most of the delay in origination is manual work: collecting documents, keying in data and checking it against guidelines. Envoy’s AI agents classify and extract every upload as it arrives, validate it against your underwriting policies and flag what needs attention, so underwriters start with a complete, organized file.

An LOS manages the creation of a loan, from application and underwriting to approval, documentation and closing. It centralizes borrower information, tracks loan status and makes sure the required data and documents are in place before the loan is finalized.

Anywhere from a few days to several weeks, depending on the loan’s complexity, how complete the borrower’s documents are and how efficient the lender’s workflows are. By turning roughly 10 hours of document review per loan into minutes, Envoy helps your team close faster without cutting corners.

Yes. Envoy was built for loans that don’t fit in a box: LLCs, trusts and partnerships as borrowers, nested entities with ownership percentages, and up to 24 party roles including co-borrowers, guarantors and signers. Returning borrowers and entities are recognized and linked automatically.

Origination creates and funds the loan: application, underwriting, terms, documentation and closing. Servicing starts after funding: payments, interest and escrow, borrower communication and reporting through payoff. With TMO, loans move from origination into servicing with no data re-entry.

AI-native loan origination software is built around AI from the start, rather than adding it to an older system. In Envoy, AI agents read and file every document, check the data against your underwriting policies and summarize the loan file, while your team makes every credit decision.

No. AI never approves or declines a loan. Envoy’s agents prepare, validate and summarize the file, and your team reviews the findings and makes the call. Every AI call is traced and audited, so you can see each recommendation and the data behind it.

Envoy identifies, classifies and extracts data from 120 document types, including ID, income and tax returns, bank statements, credit reports, appraisals, insurance, standard mortgage forms, and entity and purchase documents. Each value is linked back to the page it came from.

Upload your credit policy as it’s written today, or type it in plain language. Envoy breaks it into individual rules, maps each rule to the products it applies to and asks when a guideline is ambiguous. Your admin approves every rule, and every loan is then checked against the policies that apply to it.

Envoy is built for private lenders, including fix-and-flip, bridge, rental and construction lenders, as well as enterprise lenders, nonprofits, affordable housing programs, community lenders and municipalities.

Envoy gives each lender its own copy of every product, so one lender’s changes never affect another’s. Role groups control who can see and do what, and every AI call is logged and auditable.