AI agents for
loan underwriting

Increase originations and flag risks by conducting extensive diligence on every borrower.

Discover the amazing borrowers you're rejecting

Rejections and mispricing are often driven by efficiency constraints; lenders cannot afford to allocate resources to fully understand borrowers who don't immediately fit their credit box.

What if underwriters could do hours of diligence for every borrower ?

AI agents allow lenders to deliver corporate-level due diligence across more loans without increasing headcount.

Collect the missing insights you need to lend confidently

Convert the output of AI agents' due diligence into structured reports, variables, and risk signals for credit decisioning, enriching your models with new insights.

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Get additional context on liabilities and assets

Agents identify what is missing or requires clarification from available data: bank statement, credit reports.

They dynamically initiate targeted conversations with the borrower, connect to third-party data sources, and scan public records to gather the missing context.

Verify hidden debt, clarify the true nature of existing obligations, and confirm asset ownership in a way traditional underwriting can't.

Verify income and employment in depth

Agents identify what is missing or require clarification from available employment data: cash flow, pay stubs, tax records.

They dynamically initiate targeted conversations with the borrower, connect directly with employers or customers, and scan the web for business presence to gather the missing context.

Verify true earning potential, clarify job stability, and confirm complex self-employment income.

Go beyond the credit score

Agents identify what is missing or require clarification from full credit reports: payment timing, utilization trends, account mix, and inquiry patterns over time.

They have targeted conversations with the borrower, uncovering the real context behind a missed payment or a recent hard pull.

Build a complete picture of a borrower's willingness to pay, revealing the story behind the credit score.

Verify credentials and qualifications

Agents autonomously identify exactly what is missing or requires clarification from diplomas, transcripts, and professional licenses.

They can directly contact schools and regulatory bodies, cross-referencing education against career history to gather the missing context.

This allows to authenticate professional designations, validate academic claims, and confirm borrower qualifications.

Build verification workflows unique to your products

Every lending product has different risk factors, and your verifications should reflect that.

Agents can reach anyone: borrowers, employers, landlords, schools, references, accountants, legal contacts over phone, email, or SMS: you decide the channel.

Combine web searches, document analysis, direct outreach, and real-time interviews into a single verification flow.

See it in action

A simple, end-to-end workflow. From request to insight.

Verification type

Select type...

Data sources

TransUnion

Equifax

Plaid

Flinks

Canadian Business Registry

Tax returns

Bank statements

Pay stubs

Credit report

Allowed tools

SMS

Phone

Web search

Social media

Borrower interview

Diligence level

Standard

Enhanced

Deep

Additional details

Step 01

Define your request

Submit your requirements and we handle the rest. Use the platform or API to send requests from your existing systems.

Lender request

Verification typeIncome & employment

Diligence levelDeep

Data sourcesTransUnion, Equifax, Plaid

Allowed toolsPhone, Email, SMS, Web search

Additional detailsCommission income stability

Sphera Credit Agent

Step 02

AI agents generate a plan

Agents generate a due diligence plan from your request, defining required steps. Underwriters can review and modify it before execution.

Live transcript

00:01Sphera Credit Agent

Hi Michael, I'm reaching out regarding your loan application. I'll need to ask you a few questions to complete the verification.

00:05Michael Torres

Hi, sure thing.

00:08Sphera Credit Agent

Your pay stubs show variable amounts. Can you tell me about the commission structure of your compensation?

00:14Michael Torres

Yes, about 40% of my income comes from commissions. The base is fixed, but commissions vary quarterly.

00:22Sphera Credit Agent

Thank you. Is there someone at your company I could reach out to for verification? Someone in HR or payroll?

00:28Michael Torres

Sure, you can contact Steve Jobs in HR at (555) 867-5309 or steve.jobs@mapple.com.

Step 03

Agents execute the work

During verification, agents reason autonomously, adapting due diligence, contacting new parties, and completing new tasks as they come up.

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Step 04

Get structured results

Get a standardized report with findings, risk flags, and recommendations. Access recordings and transcripts, and integrate seamlessly via API.

Built for every type of lending

Consumer loans

Auto loans, personal lines of credit, and other consumer lending products.

Mortgages

Residential mortgage origination and home equity lending.

SMB loans

Small and medium business lending, working capital, and commercial credit.

Designed with compliance in mind

Enterprise-grade security

Robust data protection measures, ensuring customer privacy through secure infrastructure, row-level security and data minimization.

Model explainability built in

Every AI decision comes with a clear audit trail. Meet regulatory requirements with transparent, explainable models.

Granular access controls

Decide who can view, modify, and deploy agents. Role-based permissions, SSO, and multi-factor authentication.

Ready to transform your underwriting?

Deploy agents so you can increase originations, lower risk, and deliver a better customer experience.

AI agents forloan underwriting