Turn underwriting packets into a repeatable workflow.
UnderwriteKit assembles decision-ready underwriting packets: document chase, schema-validated extraction, memo drafting, exception routing, and approvals -- with audit trails by default.
How we're different
- We run the underwriting checklist end to end (doc chase to memo to exceptions).
- Policy-gated and human-approved at risk points. No silent automation.
- Evidence-first outputs with citations and an audit trail.
Strict schemas. No guessing.
Packet built from verified fields.
Exceptions go to the right human.
Every action logged. Every number cited.
Underwriting fails on workflow, not models.
Most delays come from missing docs, inconsistent memos, and unclear exceptions. UnderwriteKit runs the checklist, routes exceptions, and keeps every decision auditable.
Operational gap we close
- Borrower follow-ups and stipulations
- Schema-validated extraction with citations
- Memo drafting with review gates
- Audit-ready packets in one export
Product modules
Checklist Engine
Auto-generates requirements by product and risk tier, then tracks progress end to end.
Schema Extraction
Structured outputs for bank statements, paystubs, and tax returns with citations.
Exception Routing
Standardized exception taxonomy with escalation paths and reviewer notes.
Credit Memo Builder
Drafts a memo that stays inside policy boundaries and cites evidence.
Objections, answered
“We already have an LOS.”
Great. UnderwriteKit sits on top of your LOS to finish the work: docs, memos, exceptions, approvals, and exports.
“We can do this with ChatGPT.”
Chat can draft text. UnderwriteKit runs workflows with policy gates, citations, audit logs, and evaluations.
See why we’re not a wrapper“We can build this in-house.”
You can — but then you own connector maintenance, auditability, and eval regressions forever.
“This is risky — hallucinations.”
We validate schemas, require citations, and gate approvals. If uncertain, we stop and route to a human.
Signature product tour
See required docs, outstanding stipulations, and SLA timers in one screen.
Every field shows where it came from and when it was last verified.
Drafts update as documents arrive, with review gates and version history.
Why now
- MBA reports per-loan production costs above $10k, showing workflow overhead pressure.
- Loan origination software spend continues to rise, signaling budget for ops layers.
- GenAI is best suited to doc review and memo drafting when paired with controls.
Target outcomes (hypothetical)
Design partner modeling shows faster packet completion and fewer rework loops when checklists are automated and exceptions are standardized.
Hypothetical internal model. Not verified results.
Policy-gated security
Approvals and audit logs are not optional in underwriting. UnderwriteKit enforces review gates before sending outreach, finalizing memos, or exporting packets.
Security preview
- RBAC and least privilege access
- Immutable audit timeline per case
- PII redaction for exports and logs
Design partners (hypothetical)
Equipment finance lender
Reduced doc chase loops by standardizing stipulation reminders and checklists.
SMB term lending team
Moved from spreadsheet-driven memos to reviewer-ready packets in UnderwriteKit.
Regional credit union
Centralized exceptions and approvals to cut rework between analysts and risk.
All customer stories are hypothetical and for internal planning.
Ready to make underwriting packets predictable?
Start with one workflow and scale across products once the checklist is repeatable.