Book a demo
For non-QM and bank-statement lenders

Underwrite more non-QM
loans with the team you
already have.

LoanCite turns bank statements and borrower documents into a source-cited loan file, runs the income math and credit rules, and routes only the exceptions to your underwriters.

See LoanCite underwrite a file Book a demo
Every figure cited. Every exception human-reviewed. Every decision preserved.
0%
Target reduction
in time from raw docs to queue
0%
Target figure accuracy
across bank-stmt, P&L, 1099 extraction
0%
Target ops cost reduction
per funded loan vs manual
Weeks
not quarters
Typical time to first pilot
rules configured, not coded
How it works

From raw documents to a defensible decision.

01 / Upload
Drop the file. It classifies itself.
Bank statements, P&L, CPA letters — LoanCite recognizes them on ingest. No manual sorting, no template mapping.
02 / Extract
Every number gets a citation.
$13,828/mo comes from 12-mo bank statements, pages 3–14, at a 50% expense factor. Every figure works that way — source, method, result.
03 / Report card
A report card on every rule.
Not a summary score — a verdict on each rule: pass, advisory, or blocking. Nothing bundled, nothing hidden. Your underwriter sees exactly what needs attention.
04 / Binder
One record from first doc to final call.
Export the binder anytime — cited figures, guideline version, exception resolutions, audit hash. Two years from now, you're not excavating inboxes.
01 / Upload
Drop the file. It classifies itself.
Bank statements, P&L, CPA letters — LoanCite recognizes them on ingest. No manual sorting, no template mapping.
LN-2026-04417 · upload
Document ingestion
bank_stmt_12mo.pdf
2.4 MB · Bank Statement
Parsed
cpa_pl_2025.pdf
890 KB · P&L Statement
Parsed
cpa_letter.pdf
210 KB · CPA Letter
Parsing…
Zero manual sorting required
02 / Extract
Every number gets a citation.
$13,828/mo comes from 12-mo bank statements, pages 3–14, at a 50% expense factor. Every figure works that way — source, method, result.
LN-2026-04417 · extraction
Cited figures
Qualifying monthly income
12-mo bank stmt · p.3–14
$13,828
Avg monthly deposits
Statements · 12 mo
$27,656
Expense factor
CPA P&L · 2025
50%
Total liquid reserves
Stmt · p.22
$48,200
Every figure cited to its source page
03 / Report card
A report card on every rule.
Not a summary score — a verdict on each rule: pass, advisory, or blocking. Nothing bundled, nothing hidden. Your underwriter sees exactly what needs attention.
LN-2026-04417 · rule check
Rule-by-rule report card
ATR documented · income, assets, obligations Pass
Bank-statement method · 12 mo deposits Pass
Reserves below 6 months Advisory
CPA letter dated 118 days Blocking
2 exceptions flagged for underwriter review
04 / Binder
One record from first doc to final call.
Export the binder anytime — cited figures, guideline version, exception resolutions, audit hash. Two years from now, you're not excavating inboxes.
LN-2026-04417 · binder export
Decision-ready binder
Every figure with its cited source 42 figures
Guideline version applied matrix v4.2
Each exception and how it cleared 2 resolved
Decision audit hash sha256:9f2c…
sha256:9f2c4e1b…a71b · rules v4.2
The problem nobody's solving

Everyone is racing to make the file faster.
Almost no one is making the decision defensible.

Buyback demands are figure-level

When an investor samples your loan, they don't ask about the process — they ask about the number on page 7. "We ran it through AI" is not a defense.

Income is a calculation, not a field

Bank-statement, P&L, 1099, asset-depletion — each method involves steps a reviewer can dispute. If the math isn't shown, the number isn't defensible.

Guidelines change mid-pipeline

An investor updates a matrix on a Tuesday. You have 40 files in flight. You find out when a loan gets kicked back, not before.

Sending every page to a model is a liability

Most AI tools send the full document to an external model. That's borrower PII leaving your environment, and a per-page bill you can't predict.

What makes it different

Reading a document is easy.
Defending the number is hard.

01 / Built for non-QM

Knows the instruments, not just the fields

Bank-statement, P&L, 1099, asset-depletion — each has its own income method, its own edge cases, its own audit exposure. LoanCite runs the math the way an underwriter does and shows every step.

Bank-statement, P&L, 1099, and asset-depletion — each cited and reproducible.
02 / Defensible by design

The file answers for itself

Every figure is cited to its source page. Every rule has a verdict. Every exception is logged and resolved by a human. The full decision chain is hash-chained and exportable on demand.

Trace any number back to its source doc and the guideline version applied.
03 / Yours, lower-cost

Your credit box, your environment, no per-page meter

Rules are config — your toggles, severities, and thresholds. Recognized documents parse without an AI key, so there's no per-page bill and no PII leaving your environment. A real engineering team at Voyantt handles the build and support.

Deterministic parser for recognized docs. Model only sees scans.
Transparent · reproducible · not a black box
Income computed with reproducible math
12-mo personal deposits$663,744
less non-qualifying transfers($331,872)
eligible deposits$331,872
÷ 12 months$27,656
× 50% expense factor$13,828 / mo
Purpose-built for non-QM underwriting

From documents to decision
in hours, not days.

LoanCite extracts income, runs the math, and surfaces only the exceptions that need a human eye — so your underwriters stay focused on judgment, not paperwork.

  • Source-cited extraction with every line traced
  • SAM & bank-statement calculators that auto-fill from the file
  • Exception queue ranked by severity, not arrival order
  • Cryptographic audit trail, sealed at decision time
Pipeline
Documents
Loan file
Calculators
Reviews
Lifecycle
Audit trail
Binder
Rules
Analytics
Integrations
Fix & Flip
Row detail
Pipeline
Review
Rules
Audit Trail
Analytics
Integrations
Everyone makes the file faster. LoanCite makes the decision survive.
LoanCite › Pipeline

Pipeline

AM
Amara MensahAdmin
Active files
22
+12% vs prev 24h
Need underwriter review
12
oldest 6 hr · routed to human
Avg days to clear
3.2
target 4.0 days
Cleared this week
5
+3 vs last week
Loan queue22 of 22 files
All 22Needs review 9Conditional 5Cleared 4Stage ▾
+ New loan file
Loan IDBorrowerTypeAmountStageVerdictExcGuidelineOwnerUpdated
PRV-2851David Okonkwo
Okonkwo Rentals LLC
SampleDSCR$410kIn Review
Needs review0Verus v15JD4m
PRV-2852Rowan Ellery
Ellery Capital Partners LLC
SampleFix-and-Flip$295kIn Review
Needs review0Verus v15RE4m
PRV-2850Sarah WhitmanSampleWage$395kIn Review
Needs review0Verus v15SW4m
PRV-2941Marisol Vega
Vega Studio LLC
SampleBank-Stmt$420kIn Review
Needs review0Verus v15MV4m
PRV-2847Priya RaghunathanSampleBank-Stmt$515kIntake
Needs review0Verus v15PR4d
PRV-2838Goldberg Family TrustSampleAsset-Depletion$1.8MIntake
Needs review0Verus v15AM5d
PRV-2842Tobias Lindqvist
Lindqvist Capital LLC
SampleDSCR$640kIn Review
Needs review0Verus v15TL15d
PRV-2833Torres Tech SolutionsSampleBank-Stmt$450kIn Review
Needs review0Verus v15TT20d
PRV-2827Kessler Media GroupSample1099$290kExtracted
Needs review0Verus v15KM24d
PRV-2825Navarro Builders LLCSampleP&L$760kIn Review
Needs review0Verus v15AM34d
PRV-2823Chen Consulting IncSample1099$520kIn Review
Needs review0Verus v15CC44d
PRV-2822Okafor & Sons LLCSampleBank-Stmt$340kIn Review
Needs review0Verus v15OS49d
PRV-2940Meridian Freight LLCSampleP&L$680kConditional
Conditional0Verus v15MF27d
PRV-2830Patel Real Estate LLCSampleDSCR$880kConditional
Conditional0Verus v14PR47d
PRV-2844Ruby Okafor
Okafor Design Studio
SampleP&L$310kConditional
Conditional0Verus v15RO59d
PRV-2920Atlas Capital GroupSampleAsset-Depletion$1.1MConditional
Conditional0Verus v15AC59d
PRV-2845Caleb WhitmanSample1099$245kConditional
Conditional0Verus v15CW59d
PRV-2849Rafael Montoya
Montoya Property Group LLC
SampleBank-Stmt$550kIn Review
Clear0Verus v15RM2m
PRV-2843Darnell PierceSample1099$285kIn Review
Clear0Verus v15DP2m
PRV-2829Halcyon Estates LLCSampleDSCR$1.2MCleared
Clear0Verus v14HE63d
PRV-2818Sunrise Properties LLCSampleDSCR$980kCleared
Clear0Verus v15SP75d
PRV-2846Sofia Marchetti
Marchetti Group
SampleAsset-Depletion$880kCleared
Clear0Verus v15SM78d
Rafael MontoyaMontoya Property Group LLC✎ Edit
Entity type
LLC
Loan type
Bank-Stmt
Loan amount
$550,000
LTV
0.7%
Assignee
Marcus Webb
Stage
Intake
Verdict
Needs review
Guideline version
Verus v15
Loan File
Documents
Calculators
Reviews
Lifecycle
DocumentsUpload this borrower's documents to underwrite the loan file
↻ Reset✦ AI + local parsing
⬆
Browse or drag PDFs here
Business bank statements · P&L · CPA letter
01_1099_nec.pdf
01_schedule_e.pdf02_lease_agreement.pdf
01_business_bank_statements.pdf02_profit_and_loss_statement.pdf03_cpa_letter.pdf04_business_tax_returns.pdf
▤01_1099_nec.pdfdocument2.2 KB×
▤01_schedule_e.pdfdocument2.3 KB×
▤02_lease_agreement.pdfdocument2.1 KB×
▤01_business_bank_statements.pdfbank statements36.6 KB×
▤02_profit_and_loss_statement.pdfp&l3.8 KB×
▤03_cpa_letter.pdfcpa letter5.0 KB×
▤04_business_tax_returns.pdfdocument10.5 KB×
Load sample documentsExtract & underwrite 7 documents
Loan File
Documents
Calculators
Reviews
Lifecycle
⊙
Needs underwriter review • VERDICT
3 blocking · 2 advisory to resolve before this file can clear
◍ Generate binder⛨ Audit trail
Review queue
Open Underwriter Review →
Blocking
3
Advisory
2
Conditions
0
Audit chain
Verified
Documents
Ingested documents
▤01_1099_nec.pdfform 1099✓ Parsed95% · heuristic▤01_schedule_e.pdftax return✓ Parsed90% · heuristic▤02_lease_agreement.pdfpurchase contract✓ Parsed70% · heuristic▤01_business_bank_statements.pdfbank statements✓ Parsed95% · heuristic▤02_profit_and_loss_statement.pdfpnl✓ Parsed95% · heuristic▤03_cpa_letter.pdfcpa letter✓ Parsed95% · heuristic▤04_business_tax_returns.pdftax return✓ Parsed95% · heuristic
Bank statements · 12 months
Monthly deposits
Avg / mo
$18,180
$20k$15k$10k$5k$0k
January
February
March
April
May
June
July
August
September
October
November
December
Eligible depositMissing / flagged spikeMissing: March 2025
Income · chosen method
How the income was computed
▤ Open in Calculators
12-month bank-statement worksheet — the arithmetic, not just the result.
Gross deposits (11 mo)$240,480◇
Less — inter-account transfers−$2,500◇
Less — unsourced large deposits−$38,000◇
Eligible deposits$199,980
× expense factor applied50%
÷ statement months11
Qualifying monthly income$9,090
⊙ Reproducible — same inputs always produce this figure. Unit-tested.
Corroborating income
Profit & loss
CPA-prepared · Diane Okafor, CPA
Gross revenue (12 mo)$248,400
Total operating expenses−$139,344
Net profit$109,056
P&L monthly net$9,088
Cross-document reconciliation
Reconciliation checks
Fraud usually hides between documents, not inside one.
✓
Stated income vs parsed depositsBorrower-stated $18,333/mo reconciles within 1% of parsed deposits $18,180/mo (tolerance ±10%).
✓
P&L net vs bank cash flowP&L net ($9,088/mo) reconciles within 0% of bank cash flow ($9,090/mo), inside the 15% tolerance.
⚠
Deposit pattern anomalies FLAG Largest deposit $38,000 is 5.1× the median ($7,425) and 1 unsourced wire present — a pattern anomaly for review.
⇥ Send to review
✓
Document integrityExtracted figures are internally consistent — deposits reconcile with stated income within 1%. Balance chain reconciles across 11 itemized months (opening + deposits − withdrawals = closing within $0.01).
▸ Document integrity · scanned at upload · advisory only, never auto-rejects
▤01_1099_nec.pdfCLEAN100/100
file-typeINFOReal type application/pdf matches the declared mime.
pdf-structureINFOSingle-revision PDF; no structural or metadata anomalies.
sidecar-forensicsINFOPython forensics sidecar: Single-revision PDF; pikepdf found no incremental-update or xref anomalies.
▤01_schedule_e.pdfCLEAN100/100
file-typeINFOReal type application/pdf matches the declared mime.
pdf-structureINFOSingle-revision PDF; no structural or metadata anomalies.
sidecar-forensicsINFOPython forensics sidecar: Single-revision PDF; pikepdf found no incremental-update or xref anomalies.
▤02_lease_agreement.pdfCLEAN100/100
file-typeINFOReal type application/pdf matches the declared mime.
pdf-structureINFOSingle-revision PDF; no structural or metadata anomalies.
sidecar-forensicsINFOPython forensics sidecar: Single-revision PDF; pikepdf found no incremental-update or xref anomalies.
Rafael MontoyaMontoya Property Group LLC✎ Edit
Entity type
LLC
Loan type
Bank-Stmt
Loan amount
$550,000
LTV
0.7%
Assignee
Marcus Webb
Stage
In Review
Verdict
Clear
Guideline version
Verus v15
Loan File
Documents
Calculators
Reviews
Lifecycle
‹ All calculators SAM — self-employed cash-flow analysis (Fannie 1084 method) ✦ Prefill from loan file · Vega Studio LLC ⬇ Print / PDF
Self-Employed Cash Flow (SAM) Business Liquidity Comparative Income P&L Statement
Tax years 20262025 most recent first
▦
Average monthly qualifying income
$0/mo
2026
$0/mo
$0/yr
2025
$0/mo
$0/yr
✓ Use this result in the loan file
›Schedule B — Interest & Dividends from Self-Employment1040 Sch B
›Sole Proprietorship Cash Flow1040 Sch C
›Single-Member LLC Cash Flow1040 Sch C
›Schedule D — Capital Gains & Losses1040 Sch D
›Schedule E — Supplemental Income & Loss1040 Sch E
›Schedule F — Farm Income1040 Sch F
⌄Partnership Cash Flow10651$175,950 · 2025
Vega Studio LLCOwnership 75 %🗑
Line item20252024
Schedule K-1
›Ordinary Income (Loss) Line 1 · if > 0 distributions, see additional requirements10905093000
›Net Rental Income (Loss) Lines 2 & 3 · if > 0 distributions, see additional requirements1800016000
›Guaranteed Payments Line 4c3000030000
Subtotal$157,050$139,000
Form W-2
›Wages W-2, Box 5 (if general)00
Form 1065
›Passthrough (Income) Loss from Other Partnerships Line 4 · + Debits00
›Deduct nonrecurring income Lines 5, 6 & 7 · − Debits00
›Depreciation Line 16c · Debits2400022000
›Depreciation (Form 8825) Form 8825, Line 14 · Debits90008500
›Depletion Line 17 · Debits00
›Amortization / Casualty Loss / Nonrecurring Loss From statement on Lines 3, 4 & 7 · Debits20001800
›Mortgages or Notes Payable in Less Than 1 Year Schedule L, Line 16, Column d · Debits80007000
›Non-Deductible Travel and Entertainment Exclusion Schedule M-1, Line 4b · Debits18001500
Subtotal$25,200$23,800
Multiplied by Ownership Percentage (75%)$18,900$17,850
Partner's Total Share of Income (Loss)$175,950$156,850
＋ Add another Partnership (1/4)
›S Corporation Cash Flow1120-S
›Corporation Cash Flow1120
Rafael MontoyaMontoya Property Group LLC✎ Edit
Entity type
LLC
Loan type
Bank-Stmt
Loan amount
$550,000
LTV
0.7%
Assignee
Marcus Webb
Stage
In Review
Verdict
Needs review
Guideline version
Verus v15
Loan File
Documents
Calculators
Reviews
Lifecycle
Exceptions 5Conditions 0
blockingB1open
Missing statement month: March 2025
blockingB2open
Unsourced deposit needs documentation ($38,000)
blockingB3open
Start-date conflict: CPA 2021 vs application 2019
advisoryA1open
Personal transfer excluded from income ($2,500)
advisoryA2open
NSF / overdraft activity (February 2025)
B1AI confidence 98%
Missing statement month: March 2025
The 12-month program requires every month. March 2025 is not in the file.
Evidence
bank_statements::summary — March 2025 [STATEMENT MISSING]
Approve
Override
Reject
Select Approve / Override / RejectSubmit decision
→ Convert to condition
Rafael MontoyaMontoya Property Group LLC✎ Edit
Entity type
LLC
Loan type
Bank-Stmt
Loan amount
$550,000
LTV
0.7%
Assignee
Marcus Webb
Stage
In Review
Verdict
Clear
Guideline version
Verus v15
Loan File
Documents
Calculators
Reviews
Lifecycle
Loan stage timeline
IntakeExtractedIn ReviewConditionalClearedApprovedClear to CloseFundedSoldBoardedPaid OffClosed
Approval gate
✓All gate checks passed — this loan is ready to seal.
⛨ Approve & seal
Repurchase defense
⬇ Download Defense Pack (PDF)
Audit events
Verify audit chain
Jul 10, 2026, 1:22 AMAmara MensahapproveGood to go. Not further action required.
Jul 10, 2026, 1:22 AMAmara MensahapproveGood to go. Not further action required.
Jul 10, 2026, 1:22 AMAmara MensahapproveIt’s okay - good to go.
Jul 10, 2026, 1:22 AMAmara MensahoverrideIt’s okay - proceed.
Jul 10, 2026, 1:22 AMAmara MensahapproveIts okay - received separately.
Jul 10, 2026, 1:21 AMAmara MensahIn ReviewAuto-advanced on extraction & underwrite
Jul 10, 2026, 1:21 AMAIflagNSF / overdraft activity (February 2025)
Jul 10, 2026, 1:21 AMAIflagPersonal transfer excluded from income ($2,500)
Jul 10, 2026, 1:21 AMAIflagStart-date conflict: CPA 2021 vs application 2019
Jul 10, 2026, 1:21 AMAIflagUnsourced deposit needs documentation ($38,000)
Jul 10, 2026, 1:21 AMAIflagMissing statement month: March 2025
Jul 10, 2026, 1:21 AMSystemsetloan file updated (7 document(s))
Ledger
Governance pack
⊙ Decisions logged
20
across 3 loans
⤴ Human override rate
18%
2 of 11 human decisions
⛨ Chain status
Verified
• re-verified continuously
▣ Framework
Human-in-the-loopConfig governanceHash-chain
⛨ Append-only · hash-chained · sealed at decision time
All 20AI findings 9Human decisions 11 ✦ Live · auto-refresh 5s
TimeActorActionRuleDetail
Jul 10, 202601:22:59 AM AMAmara MensahPRV-2849 approve R7 Good to go. Not further action required. ›
Jul 10, 202601:22:53 AM AMAmara MensahPRV-2849 approve R2 Good to go. Not further action required. ›
Jul 10, 202601:22:37 AM AMAmara MensahPRV-2849 approve R6 It’s okay - good to go. ›
Jul 10, 202601:22:25 AM AMAmara MensahPRV-2849 override R3 It’s okay - proceed. ›
Jul 10, 202601:22:13 AM AMAmara MensahPRV-2849 approve R1 Its okay - received separately. ›
Jul 10, 202601:22:45 AM AMAmara MensahPRV-2849 In Review — Auto-advanced on extraction & underwrite ›
Jul 10, 202601:21:45 AM AIAIPRV-2849 flag R7 NSF / overdraft activity (February 2025) ›
Jul 10, 202601:21:45 AM AIAIPRV-2849 flag R2 Personal transfer excluded from income ($2,500) ›
Jul 10, 202601:21:45 AM AIAIPRV-2849 flag R6 Start-date conflict: CPA 2021 vs application 2019 ›
Jul 10, 202601:21:45 AM AIAIPRV-2849 flag R3 Unsourced deposit needs documentation ($38,000) ›
Jul 10, 202601:21:45 AM AIAIPRV-2849 flag R1 Missing statement month: March 2025 ›
Jul 10, 202601:21:45 AM SSystemPRV-2849 set — loan file updated (7 document(s)) ›
Jun 3, 202601:31:10 AM AMAmara MensahPRV-2848 approve R8 Third month P&L addendum received and attached. ›
May 31, 202601:31:20 AM AIAIPRV-2848 flag R6 P&L only covers 2 of required 3 itemized months ›
Nov 6, 202601:31:20 AM AMAmara MensahPRV-2848 override R5 Exception approved at senior level; borrower reserves strong. ›
Nov 4, 202601:31:20 AM AIAIPRV-2848 flag R5 LTV 80% exceeds 1099 program limit of 75% ›
Nov 5, 202601:31:10 AM AMAmara MensahPRV-2848 reject R1 Borrower unable to provide earlier statements; file escalated. ›
Nov 4, 202601:31:20 AM AIAIPRV-2848 flag R2 Bank statements span 10 months, 12 required ›
Nov 13, 202601:31:10 AM AMAmara MensahPRV-2848 approve R9 Renewal receipt dated 2026-01-04 uploaded and verified. ›
Nov 11, 202601:31:19 AM AIAIPRV-2848 flag R9 Business license expired 2025-12-01 — renewal not on file ›
⛨ Each row's prevHash equals the row above it — altering any row breaks the chain from that point. Click a row to inspect its hashes.
Contents
01Cover & summary
02Document index
03Income determination
04Rule report card
05Exceptions & resolutions
06Reconciliation checks
07Audit excerpt
08Attestation
⛨ Sealed 2026-07-10. Append-only, hash-chained.
LoanCite · repurchase-ready binder
Loan decision dossier
Marisol Vega · Vega Studio LLC · loan PRV-2049
✓ Approved
final verdict

Every figure below traces to a source document; every exception shows who cleared it and why. This binder is the record a note buyer, warehouse line, investor, or regulator can read without excavating inboxes.

Borrower
Marisol Vega
Entity
Vega Studio LLC
Loan amount
$420,000
Loan type
Non-QM · 12-mo bank-stmt
Property · LTV
SFR · 74%
Qualifying income
$26,000 / mo
Underwriter
Amara Mensah
Guideline version
Verus v15 · locked 2026-06-18
Date sealed
2026-07-10
binder hash · sealed at decision timesha256 · b7e8225e5ccd2792ebc558b6a762b42fcddb854f8cdfb76156cc96e3a0afa42e● Verified
02Document index7 documents · 0 pages

Every source document ingested for this file, with integrity status at seal. Open any to inspect figure-level provenance.

DocumentTypeIntegrity
▤ 01_1099_nec.pdfform_1099✓ Verified
▤ 01_schedule_e.pdftax_return✓ Verified
▤ 02_lease_agreement.pdfpurchase_contract✓ Verified
▤ 01_business_bank_statements.pdfbank_statements✓ Verified
▤ 02_profit_and_loss_statement.pdfpnl✓ Verified
▤ 03_cpa_letter.pdfcpa_letter✓ Verified
▤ 04_business_tax_returns.pdftax_return✓ Verified
03Income determination

Method: 12-month bank-statement · 50% fixed expense factor. Each figure traces to its source.

Gross deposits (12 mo)$384,000◇
Less — inter-account transfers−$2,500◇
Less — unsourced large deposits−$38,000◇
Eligible deposits$343,500
÷ statement months12
Qualifying monthly income$28,625
✓ Reproducible — same inputs always produce this figure. Unit-tested against the Verus v15 bank-statement worksheet.
04Rule report cardVerus v15 · 16 active · 0 inactive

Every rule in the matrix, the parameter value used, its severity, and the result at seal.

RuleParameter usedSeverityResult
Minimum years of 1099 income presentmin years 2BLOCKINGPass
Declining most-recent year uses conservative basisautoADVISORYPass
Expense factor supported by a CPA letterautoADVISORYPass
All required bank-statement months presentautoBLOCKINGPass
Exclude inter-account transfers from incomeautoADVISORYPass
Large deposits require sourcingthreshold $10,000BLOCKINGPass
Income methods agree within tolerancetolerance pct 15BLOCKINGPass
Ownership % consistent across documentsautoBLOCKINGPass
Business start date consistent across documentsautoBLOCKINGPass
No NSF / overdraft activityautoADVISORYPass
Sufficient itemized months to compute deposit incomemin itemized months 3BLOCKINGPass
Loan-to-ARV within program ceilingmax ltarv pct 70BLOCKINGPass
Loan-to-cost within capmax ltc pct 90BLOCKINGPass
Projected gross margin meets floormin margin pct 20ADVISORYPass
Exit strategy credible within termmax term months 24ADVISORYPass
ARV supported by third-party valuationautoADVISORYPass
05Exceptions & resolutions5 raised · 5 cleared

Each exception, its evidence, the human decision that cleared it, who made it, and why. Nothing here advanced without a person.

q_b451b8cbe7Missing statement month: March 2025BLOCKINGApprove
Evidence
bank_statements::summary 🔗
Cleared by · when
AM Amara Mensah · 10/07/2026, 01:22:13
Reasoning note
Its okay - received separately.
06Reconciliation checks
✓
P&L net income vs cash-flow depositsP&L net income $312k/yr (100% ownership). Cash-flow eligible deposits $312k/yr. Delta: $0. Methods reconcile within tolerance.Pass
⚠
Document integrity — page-levelForm 1040 p.4 text layer missing (re-imaged page). Manually reviewed against source — figures consistent with p.3 totals. Noted in document index.Flag · resolved
✓
Deposit anomaly scanNo sequential round-dollar deposits. No mirrored deposits/withdrawals. No velocity spikes outside ±2σ of monthly average.Pass
07Audit excerpt● Chain verified · 13 rows

The hash-chained ledger rows for this loan. Each row's prevHash matches the one above it — tampering breaks the chain.

TimeActor · actionprev → rowHash
07/10/2601:24 AM Amara Mensah ApproveAll document clear - proceed to upload in LOS and move ahead. We can proceed next. aea3-281da2d8-f319
07/10/2601:22 AM Amara Mensah Approve R7Good to go. Not further action required. 1fb1-0dbdaea3-281d
07/10/2601:22 AM Amara Mensah Approve R2Good to go. Not further action required. fe66-39751fb1-0dbd
07/10/2601:22 AM Amara Mensah Approve R6It’s okay - good to go. ac8a-c787fe66-3975
07/10/2601:22 AM Amara Mensah Override R3It’s okay - proceed. 08ed-365dac8a-c787
07/10/2601:22 AM Amara Mensah Approve R1Its okay - received separately. 2772-a07108ed-365d
07/10/2601:21 AM Amara Mensah In ReviewAuto-advanced on extraction & underwrite c6cc-cc7f2772-a071
07/10/2601:21 AM AI Flag R7NSF / overdraft activity (February 2025) 17f7-79b5c6cc-cc7f
07/10/2601:21 AM AI Flag R2Personal transfer excluded from income ($2,500) 28bc-2c6217f7-79b5
07/10/2601:21 AM AI Flag R6Start-date conflict: CPA 2021 vs application 2019 b6ff-72a428bc-2c62
07/10/2601:21 AM AI Flag R3Unsourced deposit needs documentation ($38,000) b82e-edf6b6ff-72a4
07/10/2601:21 AM AI Flag R1Missing statement month: March 2025 7b69-7474b82e-edf6
07/10/2601:21 AM System Setloan file updated (7 document(s)) ef24-23317b69-7474
✓ All 13 rows re-hashed at export. Each prevHash verified against the prior row — chain intact.
⛨
Attestation
Sealed at decision time. Append-only. Hash-chained.

This binder was assembled from the loan file, the rule evaluation, and the audit ledger as they stood when underwriter Amara Mensah sealed loan PRV-2049 on 2026-07-10. The figures, exceptions, and ledger rows reproduced here are fixed to that moment and cannot be altered without breaking the recorded hash chain.

Underwriter: Amara Mensah   Sealed: 10/07/2026, 01:24:19   Exported: 10/07/2026, 01:24:40
Rules & AI governance
Governance you can prove

Everyone makes the file faster. LoanCite makes the decision survive — every loan is judged on the matrix version in effect at lock.

Rules
Versions
Drift
16 of 16 active 9 blocking 7 advisory Source matrix Verus v15 · active ⌄
RuleSeverityStatusActive
NON-QM · 1099 INDEPENDENT-CONTRACTOR
I1Minimum years of 1099 income present
COMPLETENESS
Minimum years of history2
BlockingAdvisory
Blocking — stops file
I2Declining most-recent year uses conservative basis
INCOME
BlockingAdvisory
Advisory — surface note
I3Expense factor supported by a CPA letter
DOCUMENTATION
BlockingAdvisory
Advisory — surface note
NON-QM · SELF-EMPLOYED BANK-STATEMENT
B1All required bank-statement months present
COMPLETENESS
BlockingAdvisory
Blocking — stops file
B2Exclude inter-account transfers from income
INCOME
BlockingAdvisory
Advisory — surface note
B3Large deposits require sourcing
SOURCING
Large-deposit threshold10000$
BlockingAdvisory
Blocking — stops file
B4Income methods agree within tolerance
INCOME
Income-method tolerance15%
BlockingAdvisory
Blocking — stops file
B5Ownership % consistent across documents
CONSISTENCY
BlockingAdvisory
Blocking — stops file
B6Business start date consistent across documents
CONSISTENCY
BlockingAdvisory
Blocking — stops file
B7No NSF / overdraft activity
RISK
BlockingAdvisory
Advisory — surface note
B8Sufficient itemized months to compute deposit income
COMPLETENESS
Min itemized months3
BlockingAdvisory
Blocking — stops file
BUSINESS-PURPOSE · FIX-AND-FLIP / BRIDGE
FF1Loan-to-ARV within program ceiling
LEVERAGE
Max loan-to-ARV70%
BlockingAdvisory
Blocking — stops file
FF2Loan-to-cost within cap
LEVERAGE
Max loan-to-cost90%
BlockingAdvisory
Blocking — stops file
FF3Projected gross margin meets floor
PROFITABILITY
Min gross margin20%
BlockingAdvisory
Advisory — surface note
FF4Exit strategy credible within term
EXIT
BlockingAdvisory
Advisory — surface note
FF5ARV supported by third-party valuation
VALUATION
BlockingAdvisory
Advisory — surface note
Analytics
Prove control, not just speed
Range7 d30 d90 dAll
⊙ Files cleared
4
verdict=clear or stage=Cleared
⎋ Avg days to clear
13.5 d
note Cleared loans
⤴ Human override rate
28.6%
of all human decisions
⚠ Reconciliation flag rate
13.6%
loans with ≥1 exception
◌ Guideline drift exposure
3
loans on superseded version
Throughput over timeFiles entered vs cleared per week
2026-W162026-W192026-W222026-W262026-W302026-W34
Stage funnelWhere files are in the pipeline
Intake2
Extracted1
In Review10
Conditional5
Cleared3
Approved1
Rule-hit frequencyExceptions across all loans, grouped by ruleBlockingAdvisory
B7
B6
B3
B2
B1
FF3
FF1
Human decisionsApprove / override / reject from ledger
Approve 13
Override 6
Reject 2
Total 21
Median time to clearAI finding → human decision per exception
48.0 hr
median hours from AI flag to human decision
⇄
Bring documents in from wherever they live

LoanCite meets your documents where they already are. Connect a source and files flow in automatically — then they're extracted with provenance, run through the rules, and queued for underwriting. No re-keying, no manual uploads.

Your source→LoanCite ingests→Extract + provenance→Underwrite
⛁
Encompass Available
Loan Origination System (LOS)

Pull the loan file and its documents straight from your ICE / Encompass pipeline — no manual export or re-upload.

Brings in Loan file · borrower documents · conditions
Connect Encompass
⬆
Floify Available
Borrower POS / document portal

Borrower-uploaded documents sync from Floify the moment they land, ready to extract and underwrite.

Brings in Borrower uploads · e-signed forms
Connect Floify
✉
Email Available
Inbound document inbox

Forward or BCC documents to a dedicated LoanCite inbox; we ingest, classify, and route them to the right loan automatically.

Brings in PDF attachments · forwarded threads
Connect EmailSimulate inbound email
⚇
CRM Available
Salesforce · HubSpot

Link your CRM to attach borrower records and any documents stored against the contact or opportunity.

Brings in Borrower records · attached files
Connect CRM
More connectors (Google Drive, Box, SFTP, custom API) available on request — talk to your LoanCite rep.
Rowan EllerySampleEllery Capital Partners LLC✎ Edit
Entity type
LLC
Loan type
Fix-and-Flip
Loan amount
$295,000
LTV
0.71%
Assignee
Jordan Tran
Stage
In Review
Verdict
Needs review
Guideline version
Verus v15
Loan File
Documents
Calculators
Reviews
Lifecycle
⊙
Needs underwriter review • VERDICT
1 blocking · 1 advisory to resolve before this file can clear
◍ Generate binder⛨ Audit trail
⛨ Underwritten to: Verus v15 · locked 2026-06-18
Review queue
Open Underwriter Review →
Blocking
1
Advisory
1
Conditions
0
Audit chain
Verified
Business-purpose deal · fix-and-flip — figures extracted with provenance and routed to the fix-and-flip program, then scored against the business-purpose rule set (LTARV / LTC / margin / exit / ARV) — block, pass, and seal like any file.
Documents
Ingested documents
▤Residential Purchase Agreementpurchase_contract✓ Parsed0% ▤Scope of Work / Rehab Budgetscope_of_work✓ Parsed0% ▤BPO / Appraisal (ARV)bpo✓ Parsed0% ▤LLC Operating Agreement + EINentity_docs✓ Parsed0%
Business-purpose deal
Extracted deal figures
Purchase price$245,000◇
As-is value$250,000◇
After-repair value (ARV)$415,000◇
Rehab budget$90,000◇
Requested loan$295,000 application
Exit / termSell · 12 mo
Deal metrics
Leverage & profit
Max leverage
Total project cost$335,000purchase + rehab
LTV — loan ÷ as-is value118%
LTC — loan ÷ total cost88.06%
LTARV — loan ÷ ARV71.08%ceiling 70% · max loan $290,500 · over by $4,500
Gross profit$80,00019.28% margin · before financing/selling costs
LoanCite
LoanCite
Non-QM Underwriting Intelligence
Email
Password
Save password?×
localhost
[email protected]
✎
Not nowSave
Approve & seal loan×
Reason *
Cancel⛨ Approve & seal
Loan sealed ×
×
setRow 20 of 20
loan file updated (1 document(s))
Actor
S System
Timestamp
Jul 10, 2026 · 01:25:50 AM
Loan
PRV-2849
Rule / severity
—
Decision note
loan file updated (1 document(s))
Hash chain · sealed at decision time✓ Verified
payloadHash48da7dd52b58ee13656862c5614c9349943112174a3d0d897af3b645c8cb4486
prevHasha2d8f31920135837a19c81ced38c45f3863584446eee698c7c4a19b2f78d83b1
rowHashafea9ad3db45dd4ce14419a41973945cc5314fff168a11bdec5e7d84e8f63502
✓ rowHash = sha256(payloadHash + prevHash); it recomputes to the sealed value, and prevHash matches the row above — this link is intact.
Open loan file →
01_business_bank_statements.pdfPage 7 of 28
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Pacific Coast Business Bank

Business Banking Division · P.O. Box 5512, San Diego, CA 92112 · Member FDIC
STATEMENT PERIOD · JUNE 2025
Montoya Property Group LLC · Business Advantage Checking · Account ****4471
June 1 – Jun 30, 2025
Beginning balance$66,691.20
Deposits & credits (+)$19,050.00
Withdrawals & debits (−)-$16,638.00
Ending balance$69,103.20
DEPOSITS & CREDITS
DateDescriptionAmountBalance
06/05Customer deposit — Harborview HOA$6,800.00$67,911.20
06/18Customer deposit — Seacliff Estates$12,250.00$76,049.20
WITHDRAWALS & DEBITS
DateDescriptionAmountBalance
06/02Commercial rent — Harbor Industrial Park LP-$2,400.00$64,291.20
06/04Payroll — Gusto (bi-weekly run)-$3,180.00$61,111.20
06/06State Farm — commercial auto & GL insurance-$540.00$67,371.20
06/09SiteOne Landscape Supply #1880 — materials-$1,880.00$65,491.20
06/12Chevron Fleet 7741 — fuel-$235.00$65,256.20
06/15Ford Motor Credit — F-350 equipment loan-$685.00$64,571.20
06/17Home Depot Pro #8842 — supplies-$772.00$63,799.20
06/18Payroll — Gusto (bi-weekly run)-$3,180.00$72,869.20
06/20SDG&E — utilities-$438.00$72,431.20
06/22Verizon Business — phone & data-$188.00$72,243.20
06/26Chase Ink Business — card payment-$1,340.00$70,903.20
06/28Owner draw — transfer to personal ****2290-$1,800.00$69,103.20
Loan file processed
PRV-2849 · Rafael Montoya — 7 documents extracted with line-level provenance, both income methods reconciled, all exceptions decided, decision sealed to the hash-chained audit trail.
7 documents 0 open exceptions chain verified
Restarting walkthrough…
How we compare

Speed is table stakes.
Defensibility isn't.

Per-page extraction tools get data out of documents. LoanCite gets data out, proves where it came from, and keeps the record in one place — years later.

●Full ◐Partial ○Not offered
Capability LoanCite Per-page
extraction tools		 AI agent
platforms		 Broad lending
platforms
Built for non-QM instruments (bank-stmt, P&L, 1099, asset-depletion)●○◐◐
Income computed with cited, reproducible math●◐◐◐
Citation on every figure, traced to source line●◐●◐
Human in the loop on every exception●◐●●
Hash-chained, tamper-evident audit trail●◐●◐
Decision-ready binder, figure-level & guideline-version pinned●○◐◐
Key-less extraction, no per-page meter●○○○
Speed to a clean file in minutes◐◐●◐
Sealed decision record pushed to your LOS●○◐◐
Record travels to note sale & repurchase-ready years later●○◐○
GSE LL-2026-04 vendor-governance packRoadmap○○◐

Compared to common categories of AI lending tools, not specific vendors.

Fannie Mae LL-2026-04 · Aug 6, 2026

The GSEs now require AI governance.
That includes your vendors.

Fannie Mae's new lender letter requires an AI governance framework — and it explicitly covers the vendors behind your tools, not just your own shop. If you use AI anywhere in origination, your vendors need to be covered too. LoanCite ships the governance framework, human-in-the-loop layer, and audit trail as standard. The exportable governance pack is one click.

Informational, not legal advice. LoanCite does not claim that human-in-the-loop or any specific tool is legally mandated.

Versioned rule governance

Every rule has an owner, a version, and a change history. Config-only — no code changes required.

Human signs off on every exception

Blocking exceptions route to your underwriter. Nothing auto-clears. The approval is logged to the record.

Exportable governance pack

A single PDF + JSON export covering your AI use, your vendor (us), and every decision on a given file.

Data stays where it belongs

Private by default,
not as an add-on.

Your environment, your data

LoanCite runs inside your infrastructure. Borrower documents never touch our servers unless you explicitly configure that.

No AI key required for standard docs

Recognized document types parse deterministically — no external model call, no per-page cost, no PII leaving your environment.

Isolated per lender

Each lender gets their own extraction config, rule set, and branding. Isolation is architectural, not just access-controlled.

We don't over-claim certifications

Built to SOC 2 standards. We'll tell you exactly what we have and what's in progress — not what looks good in a deck.

Book a demo

See it on a real file,
not a slide deck.

We'll run an actual bank-statement loan through extraction, income math, and rule checking — using your guidelines and document types, not a canned example.

Walkthrough on your loan types
Bank-statement, P&L, 1099, or asset-depletion — we prep the demo around what you actually underwrite.
Your credit box, not ours
We configure the rules to match your guidelines before the call — so you see it working on your thresholds.
No sales deck
30 minutes. A real file runs end-to-end. You ask questions about what you see, not about slides.

Talk to the team

We'll run it on a file that looks like yours, against rules that match your credit box.


    We reply within one business day. No sales deck, just the demo.

    Questions

    Questions we get before the demo.

    Does this replace my LOS?+

    No — and that's intentional. LoanCite sits alongside your existing LOS and most other systems. The file we produce lands in your LOS; your team works the same way they do today, just with a complete, cited package already in front of them.

    Does LoanCite make the credit decision?+

    Never. LoanCite prepares the file and reports on the rules. The underwriter decides. That's not a limitation — it's the design. Human sign-off is what makes the decision defensible.

    Where does borrower data go?+

    With private deployment, it stays in your infrastructure — full stop. The key-less parser handles standard documents without calling any external model. The AI only sees what can't be parsed deterministically, which is typically scanned or non-standard pages.

    Can you match our specific credit box?+

    Yes. Rules are config-only — your thresholds, your severities, your toggles. For custom income methods or document types we haven't seen before, our engineering team handles the build. We've done this for shops with unusual P&L structures and non-standard investor matrices.

    We're not sure if LL-2026-04 applies to us.+

    It likely does if you use any AI or ML in your origination process — and it covers your vendors, not just your own tools. LoanCite ships the governance framework, audit trail, and human-in-the-loop layer as part of the standard product. We can't give legal advice, but we can show you exactly what we provide and let your counsel decide.

    How long does it take to go live?+

    Most pilots are running in two to four weeks. Standard income methods and common document types are configured out of the box — custom work takes longer, but we scope that before you commit.