Built for the Underwriters We Admire
Cortheos was built by technologists who saw firsthand how manual underwriting was burning out talented banking professionals. We're not claiming to be underwriters. We're claiming to understand your pain and build the tools you deserve.
Why We Built Cortheos
The idea for Cortheos started with a conversation.
A close relative who owns a small community bank explained over dinner how his 3-person underwriting team was drowning, processing 150+ loan applications monthly, spending 80% of their time on data entry and document chasing, and only 20% on actual risk analysis.
"There has to be a better way," he said. "We have incredible underwriters, but they're buried in paperwork instead of making smart lending decisions."
That conversation wouldn't leave me alone.
As a software engineer with experience building AI systems, I knew the technology existed to solve this. The problem wasn't that community banks needed better underwriters. They needed to free their underwriters from the manual grunt work so they could focus on what they do best: analyzing risk and serving their communities.
So I built Thea.
Not as an underwriter trying to replace underwriters, but as a technologist building tools to amplify their expertise.
What Drives Us
To give community banks and credit unions the AI tools they need to compete with mega-banks, without losing the personal touch that makes them special.
Technology should amplify human expertise, not replace it. The best lending decisions combine AI precision with human judgment.
Community banks deserve enterprise-grade tools. You shouldn't need a billion-dollar budget to access cutting-edge technology.
Underwriters are under-appreciated heroes. You deserve tools that let you focus on what you're good at: analyzing risk.
Transparency builds trust. Every Thea recommendation shows its work—no black boxes.
Your AI Underwriting Partner
Meet Thea, your AI-powered underwriting assistant who handles the tedious tasks so you can focus on what matters. Making smart lending decisions and serving your community.
What Thea Does
Who We Are
We're not underwriters, and we're honest about that.
Built WITH Underwriters
Our founding partner bank has been involved from day one. Every feature in Thea was tested and validated by actual underwriters doing real underwriting.
Technology Experts
We're software engineers who've built AI systems for healthcare, finance, and logistics. We know how to build tools that actually work.
Banking Advocates
We've seen firsthand how community banks get out-resourced by mega-banks. You deserve the same AI tools the big guys have.
Deep Industry Connections
Our team includes family in banking, advisors with decades of underwriting experience, and a network throughout community banking.
Transparency Always
Thea shows her work. No black-box AI. Every calculation, data source, and recommendation is fully explainable and auditable.
Why We Focus on You
Community banks are the unsung heroes of local economies. While megabanks chase corporate deals and national headlines, you're the ones actually funding Main Street businesses, helping families buy their first homes, and keeping money circulating in local communities.
But you've been left behind technologically. The big banks can afford massive tech teams and custom AI solutions. You're stuck with legacy systems that haven't been updated since 2005, or expensive enterprise software built for institutions 50x your size.
That's not fair. And we're here to change it. Community banks deserve world-class technology that actually understands how you work, and that's exactly what we're building with Cortheos.
What You Can Expect
Honest Partnership
We won't pretend to know more about underwriting than you do. You bring the domain expertise. We bring the technology.
Built for Your Reality
We customize Thea to match your bank's specific underwriting criteria. Your LTV thresholds, credit requirements, and local market knowledge stay front and center.
We're Learning WITH You
As a beta partner, you're helping us build something genuinely useful. Your feedback directly shapes what we build next.
White-Glove Support
You'll never talk to a chatbot. Our founding team personally onboards every beta partner and stays involved throughout.
Be Part of Something Real
We're not promising to revolutionize banking. We're promising to build a tool that makes your underwriting team's life measurably better. If that resonates, if you're tired of manual bottlenecks and ready to let your underwriters focus on what they're actually good at, let's talk.