SmartAdvisor™
AI That Knows Your Loan
Real-time AI analysis embedded directly in your Encompass Web workflow.
Catch DTI issues, compliance gaps, and missing docs before they reach underwriting.
✨ Real-Time AI Insights
Categorized risk cards update as loan data changes. Click any field pill to navigate directly to the issue.
⚠ DTI Exceeds Guidelines Risk
Back-end ratio 48.2% exceeds 45% conv. limit. Review [1389] [HMDA.X112]
📋 CD Waiting Period Active Compliance
3–business-day waiting period. Earliest close: 2/12/2026.
✓ LTV Within Guidelines Info
80% LTV meets conventional limits. No PMI required.
💬 Conversational AI
Ask questions about the loan in plain English. Get contextual answers grounded in actual loan data.
👤 "What's blocking this loan from going to underwriting?"
SmartAdvisor™: There are 3 blockers:
1. Government Photo ID — not received
2. Employment verification — field [BE0015] empty
3. 4 preliminary conditions still open
Resolving items 1-2 will move the loan to 80% handoff readiness.
📊 Role-Based Workflow
Six mortgage roles with tailored checklists. Progress tracking updates in real time as loan milestones are met.
✅ Application Complete (6/6)
✅ Loan Estimate Issued
✅ AUS Submitted — Approve/Eligible
⏳ Prepare for Handoff (18 conditions open)
🔍 Click-to-Field Navigation
Click any field ID in an insight card — SmartAdvisor™ opens the right accordion panel, scrolls to the field, and highlights it.
[1003] → Loan Amount (T1A1)
[1389] → Total Income (T3A2)
[910] → Base Employment (T3A1)
[HMDA.X27] → App Date (T1A4)
🔒
Bank-Grade Privacy Architecture
API keys stored server-side in Azure Functions. Your Azure OpenAI instance runs in your own tenant.
No PII in AI prompts. Microsoft DPA guarantees data is never used for training.
SOX 404
GLBA
SOC 2
Zero PII
Azure OpenAI
Server-side proxy · Your Azure tenant
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Google Gemini
Enterprise API · Client-side key
