The LoanServe platform
Mortgage servicing, rebuilt AI-first.
LoanServe is a modern servicing system of record where AI does the work. It is built to run a servicing operation with 80% fewer people, and every decision it makes is checked by a compliance engine before it happens.
- AI agents run whole departments
- Compliance checked on every decision
- Agency and private loans on one platform
- Built to SOC 2 controls
Most of the industry still services loans on technology from another era.
The dominant servicing platform was built for mainframes and has been patched for decades: overnight batch runs, terminal screens, a bolt-on module for every new regulation, and floors of people working the queues it creates.
LoanServe isn't a new screen on that core. It replaces it, with the same functional coverage on an architecture built this decade.
| Legacy servicing core | LoanServe | |
|---|---|---|
| Architecture | Mainframe core, nightly batch processing | Cloud-native and event-driven. Every change posts in real time |
| Who does the work | People working exception queues and screens | AI agents do the work. People handle exceptions and sign where the law requires |
| Compliance | Procedures, checklists and audits after the fact | Enforced before every decision, with the rule and citation recorded |
| Regulatory change | Vendor release cycles and manual workarounds | Versioned rule packages updated as guides and laws change |
| Interface | Terminal screens plus separate add-on portals | One web app for staff, investors and borrowers, and an API for everything |
| Cash | Pooled custodial accounts reconciled in batches | A bank account per loan, double-entry ledger, reconciled daily |
| Borrower service | Call centers and hold times | Borrowers do anything an agent could, online, and AI answers and acts |
AI-first
AI does the work. People sign where the law requires.
AI in LoanServe isn't a chatbot bolted to the side. Agents run each servicing department end to end, inside the limits the compliance engine sets, and hand a person only what truly needs one.
Boarding
Reads notes, security instruments and closing documents, MISMO and Fannie Mae files, and boards the loan.
Payments & cash
Applies every payment by the note and the investor's rules, posts it, receipts it and reconciles it to the bank.
Escrow
Tracks tax and insurance, pays bills on time, runs annual analysis and handles shortages and surpluses.
Customer service
Answers borrowers and acts for them: payoffs, statements, insurance and address changes, across every loan they have.
Loss mitigation
Collects hardship applications, evaluates every workout option the investor allows, and sends the decision on time.
Foreclosure & bankruptcy
Prepares filings and correspondence. Attorneys review, sign and appear in court.
Mailroom
Reads incoming mail and documents, classifies them and routes or acts on each one.
Investor reporting
Produces remittances and loan-level reports from the ledger, on each investor's schedule.
The compliance engine
Compliance at every level, on every decision.
Compliance isn't audited after the fact. Before LoanServe posts a payment, assesses a fee, sends a notice or offers a workout, the action goes to the compliance engine. It weighs the loan's facts against agency servicing guides, federal regulation and state law, and returns what is required, allowed or prohibited.
Nothing executes without a decision. That is how LoanServe guarantees compliance at every level of the operation, from a single late fee to a foreclosure referral.
- One rules graph. Fannie Mae, Freddie Mac, Ginnie Mae and USDA guides, CFPB rules and state law together.
- Deterministic. The same facts always get the same answer. AI never overrides a rule.
- Versioned. Show exactly which rules applied to any loan on any date.
- Explained. Every decision keeps its reasoning and citations, ready for examiners and investors.
Everything a servicing core does. Built in, not bolted on.
Feature parity with the legacy platforms, in one system with one data model, so nothing waits for an overnight batch or a file transfer between modules.
- Loan boarding and data validation
- Cashiering, autopay and every payment type
- Escrow administration and analysis
- Investor accounting and remittance
- General ledger and daily bank reconciliation
- Default management and collections
- Loss mitigation and workouts
- Foreclosure and bankruptcy management
- Borrower portal and self-service
- Correspondence, notices and mailroom
- Appraisal ordering and review
- Payoffs, lien release and servicing transfers
Security
SOC 2 compliance, built into the platform
LoanServe is built to the SOC 2 Trust Services Criteria for security, availability, confidentiality and processing integrity. [SOC 2 REPORT STATUS]
Isolation in the database
Each client's data is separated by row-level security, enforced by the database itself.
Encrypted everywhere
Data is encrypted in transit and at rest, and personal information is kept out of logs.
A complete audit trail
Every sign-in, change and decision is recorded with who or what made it, and why.
Documents that can't be altered
Loan documents are stored write-once, so the system of record can't be changed after the fact.
See LoanServe run your portfolio.
Bring a sample of your loans. We'll board them and show you every decision the platform makes.