For wholesale mortgage brokers · Built for complex income
More files. Fewer follow-ups.
An AI-native processing department, staffed by licensed processors. They explicitly approve every outbound action and take each file from intake to clear-to-close. Designed to handle self-employed and complex-income borrowers.
In pilot · waitlist openIllustrative file · Sample data
Self-employed purchase
- Missing documentsRequested
- Income analysisPrepared
- Condition responseApproved
- Status to loan officerSent 9:40 AM
Your next task: none.
A. Reyes, Processor, owns the follow-up. Sample data.
Keep the borrower. Hand us the file.
You hand over the hours, not the borrower and not your judgment.
One queue
Every file you hand over sits in one place, with what is done, what is waiting, and who is working it.
Full visibility
A named processor on every file, and a status briefing before your loan officer has to ask.
A record of every action
Who did what, when, on which document. Exportable when a lender or an examiner asks.
Nothing to integrate
No software to install, no seats to buy, and nobody on your team is stuck supervising an AI. The licensed sign-off will sit on the processing desk, not yours. You will send the file the way you send it today.
How it will work
One loop. Every file.
Four steps, in the same order, on every file. A licensed processor will be accountable for all of them, and before your first file you will receive in writing the processing company's legal name and license details for your states.
Intake
Our system intakes structured documents like MISMO, CSV, and spreadsheets, in addition to unstructured documents and image files across formats. Adeft agents open each file, extract data, sort every page, and list what is still missing.
Agents prepare
Agents chase the missing items, calculate income the way the lender's guidelines require, work the conditions list, help the borrower draft a letter of explanation in their own words, and write the status update. Everything is staged. Nothing is sent without approval.
A licensed processor approves
A named, licensed processor will review each outbound action and approve it, edit it, send it back, or reject it. There is no autonomy mode. Nothing goes out on its own.
The file moves
Documents go to the lender. Your loan officer will get a status briefing before they have to ask, and can pull status any time by email, text, or in the secure portal. Every action is recorded: who did it, when, and exactly what was sent.
Complex income
The files your shop is best at.
Self-employed borrowers. Multiple entities. Bank statements, K-1s, 1099s, RSUs.
The process punishes these files hardest. More documents, more conditions, more explaining. They are also where a good broker earns the relationship. We are building for these files first.
1099 and Schedule C
Two years of returns, read line by line.
K-1 and multiple entities
Ownership, distributions, and liquidity, lined up across entities.
Bank statement files
Deposits sorted, transfers excluded, large deposits flagged for explanation.
RSU and variable comp
Vesting schedules and history, documented the way the lender wants to see it.
For your borrowers
Fewer asks. Clearer answers.
Questions about their loan will always go to you. We will explain the process; you will advise on the loan.
Your borrowers can also read our plain-language guides before they send a document: how two years of returns become a monthly income figure, what a letter of explanation is for, why the bank statement questions keep coming. Nothing there is advice, an application, or a way around you. Adeft Inc. is not a mortgage lender, mortgage broker, or loan processor.
The libraryJoin the waitlist.
Tell us about your shop and the files you see most. A founder replies within one business day. No sales team in between. Every entry is read, and you will hear where you are on the list.
Adeft Inc. · San Francisco