67% of the cost to originate a mortgage is personnel — processors, underwriters, closers — doing document-heavy, compliance-intensive work on every single file. The average lender spends $11,000 per loan and still loses money half the time. Neuralogic deploys Autonomous Digital Employees (ADEs) that perform entire mortgage operations roles — processing, underwriting support, QC, closing — 24/7, zero errors, at a fraction of the cost.
In mortgage lending, the Loan Processor is the operational backbone — touching every file from application to clear-to-close. Every task below happens on every single loan, and lenders originate thousands per quarter. Nearly all of it is manual, document-intensive, and compliance-critical — and every hour is a cost an ADE eliminates.
Same scope of work on every mortgage file. Fundamentally different cost-per-loan, cycle time, and error rate — powered by Autonomous Digital Employees.
Loan processing is the starting point — not the ceiling. From origination to servicing, Neuralogic deploys ADEs that replace entire roles across IMBs, banks, credit unions, and mortgage servicers.
Performs automated credit analysis, DTI calculations, AUS submission, and guideline matching across conventional, FHA, VA, and USDA programs. Flags exceptions and builds the underwriting narrative autonomously.
UnderwritingPerforms pre-funding and post-close quality control audits on every file — checking compliance, data integrity, and investor eligibility. Catches defects before they become buyback demands.
Quality ControlAutonomously generates closing disclosures, balances settlement statements, coordinates wire instructions, and manages the clear-to-close to funding timeline — eliminating last-mile delays.
ClosingManages payment processing, escrow analysis, borrower communications, forbearance workflows, and loss mitigation reviews. Replaces the most labor-intensive function in post-origination.
ServicingMonitors TRID timelines, HMDA data accuracy, fair lending patterns, ECOA compliance, and state-specific disclosure requirements. Auto-generates audit-ready reports and flags violations before exams.
ComplianceOwns loan pricing, lock management, best-execution analysis, investor delivery packaging, and pool composition optimization. Replaces spreadsheet-driven secondary desks with continuous intelligence.
Capital MarketsMost mortgage technology vendors sell point solutions — an e-closing tool here, an OCR engine there — that still require human operators. Neuralogic deploys ADEs — Autonomous Digital Employees — that own entire operational roles across your lending operation, end-to-end, 24/7.
| Capability | Typical AI Vendor | Neuralogic ADE |
|---|---|---|
| Replaces entire job role | ✕ Assists existing staff | ✓ ADE owns the full role end-to-end |
| Operates 24/7 autonomously | ✕ Requires human prompting | ✓ ADE runs continuously, zero downtime |
| Industry-specific workflows | ✕ Generic, horizontal tooling | ✓ TRID, RESPA, ECOA, HMDA-native |
| Integrates with LOS / POS / AUS | ✕ Cloud-only, limited connectors | ✓ Direct integration, production-ready |
| Processing / UW / QC / Closing built-in | ✕ Manual configuration | ✓ Full loan lifecycle pre-configured |
| Deployment timeline | 6–12 months typical | 8 weeks, fully operational |
| Cost per role replaced | $7K–$11K per loan (personnel + overhead) | Fraction of one FTE |
Below is a modeled scenario for a mid-market lender originating 5,000 loans annually. These projections are based on MBA-reported industry averages and Neuralogic's ADE performance benchmarks.
The average cost to originate a mortgage hit $10,965 in Q2 2025, with personnel representing 67% of that expense. Traditional approaches — outsourcing, LOS upgrades, process optimization — deliver incremental improvement. ADEs deliver structural cost reduction by replacing the labor itself.
No 18-month implementations. No pilot purgatory. We deploy production-ready ADEs into your mortgage operation in 8 weeks — from document intake to clear-to-close.
We identify the highest-cost roles in your lending operation — mapping per-loan processing costs to ADE capabilities with a clear ROI forecast.
We architect ADEs purpose-built for mortgage workflows — TRID, RESPA, Fannie/Freddie/Ginnie guidelines — with enterprise-grade governance and full audit trails.
Seamless integration into your LOS, POS, AUS, and document management systems. Your ADE is live and processing loans within 8 weeks.
We refine ADE performance and expand coverage across departments — from processing to underwriting to closing to servicing — growing capacity without growing headcount.
Document intake, income/asset verification, disclosure delivery, condition management, and underwriting package preparation.
Automated credit analysis, DTI calculation, AUS submission, guideline matching, exception identification, and conditional approval management.
Closing disclosure generation, settlement balancing, wire coordination, trailing document collection, and investor delivery packaging.
QC audit execution, HMDA data validation, payment processing, escrow analysis, loss mitigation workflows, and borrower communication management.
$10,965 per loan — 67% of it personnel doing tasks that are 93% automatable. Multiply that across every file in your pipeline. Every manual touchpoint is margin you're giving away. ADEs cut origination costs permanently.