Loancrate

Loancrate is a mortgage technology company founded in 2020 and headquartered in Los Angeles, California. It builds an AI-native Loan Origination System (LOS) designed to streamline the mortgage lending process through automation of underwriting, document intelligence and workflow acceleration. The company's software is trained on thousands of hours of real-world mortgage scenarios and is aimed at mortgage lenders and lending teams in the financial services sector.

Its document intelligence and validation capability checks uploaded documents against agency guidelines as they arrive, auto-categorises and renames new files, and creates loan conditions automatically from extracted data. A compliance and loan condition management layer keeps loans in line with TRID, RESPA, ATR/QM and other regulations, with transparency and ongoing monitoring.

Technical work at Loancrate spans artificial intelligence, AI-native software development, document processing automation, data extraction, underwriting and compliance automation, and workflow automation. The LOS automates repetitive underwriting tasks, applies real-time document intelligence to improve loan quality, and speeds up workflows across mortgage lending teams.