Document parsing
Reads applications, bank statements, tax forms, business records, and supporting evidence from the full loan file.
AI Underwriting Agent
Underwrite with
precision. At speed.
Proclara is an AI underwriting agent that reads loan documents, checks eligibility, flags risk, and produces fully auditable decisions. Built for credit teams who can't afford to guess.
99.8%
Extraction accuracy
across mortgage files
3 min
Average time to initial
eligibility decision
100%
Audit trail coverage for
every review
40+
Document types parsed
and reviewed
Every question, answered with citations
A credit analysis agent for answering file questions with citations, structured data, and clear reasoning.
- Understands borrower structure and ownership
- Reads documents, notes, and supporting materials
- Checks eligibility against policy and deal conditions
- Flags missing requirements before a decision
Everything a loan review needs
Eligibility analysis
Checks borrower, business, collateral, and program requirements against policy rules and lender criteria.
Fraud and tamper detection
Flags inconsistencies, altered documents, duplicate data, suspicious patterns, and missing evidence.
Financial calculation
Extracts income, debt, deposits, balances, and ratios to calculate review-ready financial metrics.
Covenant and rule checks
Applies credit policy, exception rules, covenants, and deal conditions to find blockers and review gaps.
Final audit trail
Generates a complete review record with cited evidence, extracted fields, decisions, exceptions, and open items.
Not a chat log. A locked record.
Every action Proclara takes becomes part of a review record: what was read, what was extracted, what was flagged, which rule was applied, and which source supported the conclusion. The result is a file your team can trust, revisit, and defend.
More ways Proclara does the work
Core
Automates the repetitive loan review work that slows down credit teams: file intake, borrower context, document organization, evidence review, and decision preparation.
Extraction
Finds and structures key information across messy loan packages, including borrower data, financial details, ownership records, dates, balances, and supporting documents.
Lending AI
Applies lending-specific reasoning to identify risk, eligibility gaps, missing requirements, and policy exceptions across the full borrower file.
Analysis
Turns extracted evidence into review-ready answers, summaries, flags, calculations, and audit records that help teams make faster decisions.
Built on loan intelligence
25 years of proprietary lending data
Proclara is not trained on the open web. It is built on 25 years of proprietary private lending data from real loan decisions, real outcomes, and real underwriting judgment. The result is an AI that reasons the way experienced underwriters do.
Data foundation
25 years of lender loan outcomes, borrower profiles, document patterns, and review decisions provide the base layer for Proclara's underwriting intelligence.
Human expertise
Built with lending operators, processors, and credit reviewers who understand how real files are reviewed, challenged, and approved.
Continuous learning
Every review improves the system's understanding of loan files, exception patterns, documentation gaps, and lender-specific requirements.
Teams doing more with less.
“This would take an analyst all day. Our capital partners ask for the same questions every time. Now I just send them the Proclara record.”
Lending Operations
“We were spending half our time finding information. Proclara just tells you where everything is, with the source. The quality of our reviews went up immediately.”
Head of Credit
Ready to review your next loan?
Pay per review. No seat licenses. No minimum commitments.
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