Underwrite Loans in Minutes, Not Days
Meet Thea, your AI underwriting agent that transforms loan processing from a multi-day bottleneck into an intelligent, automated workflow, delivering precision analysis and instant loan decisions.
Purpose-built for community banks and credit unions, Thea doesn't just analyze applications. She builds complete borrower profiles, requests missing documentation, calculates DTI optimizations, and matches applicants to the right loan officers. All while maintaining full regulatory compliance and bank-grade security.
Meet Thea, Your AI Underwriting Agent
Watch how Thea interactively analyzes loan applications through natural conversation
CONVERSATION
LIVE PREVIEW
John Doe
Mortgage Application #MRT-2024-8472
Underwriting Shouldn't Be Your Bottleneck
Community banks face mounting pressure to process more loans with fewer resources
3-5 Days Average
Traditional underwriting takes days of manual analysis, slowing approvals and frustrating borrowers
15+ Hours per Application
Underwriters spend most of their time on data entry and document verification instead of risk analysis
High Error Rates
Manual DTI calculations and data entry lead to inconsistent decisions and compliance risks
Scaling Challenges
Growing loan volume requires adding headcount, an expensive solution that doesn't improve quality
How It Works
From application to decision in five simple steps with Thea, your AI underwriting agent from Cortheos
Upload Application
Import loan applications in PDF, text, or structured data format.
AI Analysis
Thea extracts key data, validates information, and structures it for analysis.
Risk Assessment
Chat with Thea to evaluate credit risk, DTI ratios, collateral value, and compliance.
Generate Reports
Create comprehensive underwriting memos with risk ratings and recommendations.
Track & Export
Monitor decision history, export reports, and maintain audit trails.
What You Can Do Today
Build faster, more accurate underwriting decisions with Thea
Document Analysis
Upload loan applications, financial statements, and tax returns. Thea extracts and structures all key data automatically.
Credit Analysis
AI-powered credit scoring, DTI calculation, and cash flow analysis with regulatory compliance checks built-in.
Instant Recommendations
Get approval recommendations with risk ratings, suggested terms, and detailed justifications in seconds.
Compliance Tracking
Automated checks for regulatory requirements, fair lending standards, and documentation completeness.
Version History
Track all analysis iterations, maintain audit trails, and review decision history for compliance reporting.
Report Generation
Export comprehensive underwriting memos, risk assessments, and credit committee presentations in professional formats.
The Future of Underwriting is AI-Powered
Industry leaders and research firms agree: AI will transform lending operations
"AI and machine learning will reduce loan processing time by up to 50% within the next five years."
"Community banks adopting AI for underwriting gain significant competitive advantages in operational efficiency and accuracy."
"Automated risk assessment with human oversight represents the future of responsible lending."
Early Results from Our Founding Partner
A regional community bank processing 150+ applications monthly is seeing measurable improvements in their first 90 days with Thea.
Regional Community Bank
3-person underwriting team, 150+ monthly applications
*Results from 90-day beta period. Individual results may vary based on loan volume and complexity.
Built For Real Underwriting Teams
Whether you're handling high volume or complex deals, Cortheos adapts to your workflow
Loan Officers
High Volume Processing
Challenge:
"I need to process 50+ applications per week without sacrificing quality."
Solution:
Get preliminary analysis in minutes, not hours. Focus on relationship building while Cortheos handles the data work.
Underwriting Teams
Complex Analysis
Challenge:
"Commercial deals require deep analysis across multiple risk factors."
Solution:
Comprehensive risk assessment with cash flow modeling, collateral analysis, and scenario testing.
Credit Analysts
Data-Driven Insights
Challenge:
"I need consistent, data-driven analysis backed by clear metrics."
Solution:
Standardized analysis framework with quantified risk ratings and comparable metrics across all applications.
Bank Executives
Strategic Efficiency
Challenge:
"We need to scale our lending operation without adding headcount."
Solution:
10x underwriting capacity with consistent quality, full audit trails, and compliance tracking built-in.
Join Our Founding Banks
Cortheos is in private beta with select community banks. Be among the first to transform your underwriting process with Thea, our AI underwriting agent.
Currently accepting 10 founding partners
Built for Your Existing Workflow
Thea is designed to integrate with industry-standard loan origination and credit platforms
LOS Platforms
Encompass (Ellie Mae)
Calyx Point
BytePro
Credit Bureaus
Experian
TransUnion
Equifax
Agencies
Freddie Mac
Fannie Mae
FHA Connect
Don't see your platform? We're building custom integrations for beta partners.
Common Questions About Thea
Thea connects via API to most major LOS platforms (Encompass, Calyx, BytePro). We also support manual document upload and export for banks without API access. Implementation takes 1-2 weeks.
Yes. Thea uses bank-grade encryption (AES-256) and never trains on your proprietary data. All information stays within your secure environment.
Thea handles both. She's trained on conventional mortgages, FHA/VA loans, commercial real estate, SBA loans, and construction lending. Custom underwriting criteria can be configured for your bank's specific requirements.
Every Thea recommendation includes full transparency, showing data sources, calculations, and reasoning. Your underwriters maintain final approval authority. Thea is a decision-support tool, not a replacement for human judgment.
We're currently in private beta with select community banks. Beta partners receive white-glove implementation support, typically becoming fully operational within 2-3 weeks. This includes API integration, team training, and customization of underwriting criteria to match your lending policies.
Thea comes pre-trained on standard underwriting practices, but we customize her to your bank's specific policies during onboarding.
Ready to Transform Your Underwriting?
Let Thea, your AI underwriting agent from Cortheos, help you make faster, more accurate lending decisions, built in minutes instead of days.