Document detection
Creddo classifies every document, from scanned PDFs and phone photos to bank statements and W-2s, regardless of format, language or quality.
Smart lending intake
Your closable deals, surfaced first.
Build and publish your lending intake in minutes. Creddo then surfaces the deals that are ready to close and nurtures the rest until they qualify.
Trusted by lending pros globally
Close loans in minutes, not days.
Creddo turns slow, manual underwriting into an automated, audit-ready pipeline. Approvals move faster and funded volume goes up.
8 min
Average processing time
12,500+
Deals scored per week
99.2%
Document verification accuracy
You close deals.
gets them there.
gets them there.Pipeline
Open your pipeline to deals that are ready to close.
Creddo reads every file before you do, checking for gaps, cross-referencing documents, assessing closability, and running your compliance rules. The deals at the top are ready to work, so you start with what is ready instead of a backlog.
Elgibility rulesComplianceDocument processing
Michael Smith
m.smith@goldcrest.us
0%
HELOC · 1st lien
$95,000
5/5
In Review
1 hr
AI Summary
First-lien HELOC with title cleared yesterday. All disclosures are signed and the file is sitting in the closing queue waiting on a date.
- Title clear · no liens or judgments
- All initial and re-disclosures signed
- Closing can be scheduled this week
Send pre-approval
Request missing docs
Send to underwriting
Decline application
Closability score
0/100
Low effort
No deal left behind
Creddo nurtures the rest until they qualify.
While your best deals rise to the top, Creddo works everything else, following up, chasing documents, and re-engaging borrowers automatically.
Each deal keeps moving until it is ready to close or drops out, so your team avoids busywork and dead ends.
- Automated follow-ups
- Document chasing
- Runs until closed or dropped
Loan Application
Submitted
May 24, 2026
Amount
$312,000
Loan type
Conv. Purchase · 30yr
Property
1248 Northbay Rd, San Diego CA
FICO
712
DTI
38.4%
Processing
Active
Personalised nudge sequence by SMS + email.
Active
Auto-requests missing files until the file is complete.
Active
Reactivates cold leads with tailored offers.
Outcome
Application submitted
Application moved to underwriting.
Flow Intake
Build your lending intake, publish it in minutes.
Creddo includes a form builder made for lending. Design the application flow, add loan simulators, document collection, and identity checks, then publish it to the web, an embed, or a partner portal. Every deal you collect flows straight into scoring and nurturing.
Flow builder
Build any loan flow without code.
Create intake flows with a no-code builder, add conditional logic, and reuse blocks across products. No developer tickets and no engineering delays.
Building blocks
Drop in pre-built blocks for loan calculators, documents, and identity.
Pull from a live loan simulator that quotes rates and payments as borrowers type, document collection, and identity verification. Configure each block once and reuse it across every flow.
Publishing & sharing
Publish to web, embed, or a partner portal in minutes.
Share a link, embed the flow on your site, or launch a branded partner portal in minutes. Every channel feeds the same workflow, policy, and data, so intake stays consistent across every sales motion.
Document Intelligence
Every document, read, verified, and matched to the deal.
Data extraction
Creddo pulls structured data from unstructured files in seconds, including dates, amounts, employer names, and account numbers.
Cross-check verification
Creddo cross-checks dates against tax years, validates amounts against stated income, and flags expired or incomplete documents before you review.
Validation Checks
Analyzing
AI teammates
One agent gets deals ready. One keeps the rest moving.
Creddo runs two AI teammates on every deal. One performs the deep analysis that decides closability. The other nurtures the deals that are not ready yet until they qualify.
AI-native loan analysis
Deep analysis on every deal, pre-built and ready to go.
Creddo reviews every deal against your underwriting policy and returns a closability score, so your team works the deals most likely to fund first. It is pre-built for lending, with no setup and no model training.
01 / 03Pre-qualification
02 / 03Deep analysis
03 / 03Closability score
Incoming
Eligibility Screen
Routing
MB
Marcus Bell
Conventional · Purchase
REQUESTED$420,000
DW
PA
LC
Qualified
Advanced to pipeline
1,284this month
Not qualified
Screened out on apply
612this month
Instant loan pre-qualification
Creddo screens every borrower against your eligibility rules the moment they apply, including DTI, LTV, credit minimums, and income thresholds, so unqualified leads never reach your pipeline.
Deep document analysis
Creddo reads applications, bank statements, and supporting documents, extracts the data points that matter, and cross-checks what borrowers claim against what their files show.
Closability Score
0
/100
Likely to fund
What drives this score
A closability score for every deal
Creddo turns the full analysis into a single, auditable closability score that shows how likely each deal is to close, so underwriters focus on the deals that fund.
AI-native loan analysis
Deep analysis on every deal, pre-built and ready to go.
Creddo reviews every deal against your underwriting policy and returns a closability score, so your team works the deals most likely to fund first. It is pre-built for lending, with no setup and no model training.
01 / 03126 in queue
Instant loan pre-qualification
Creddo screens every borrower against your eligibility rules the moment they apply, including DTI, LTV, credit minimums, and income thresholds, so unqualified leads never reach your pipeline.
Incoming
Eligibility Screen
Routing
MB
Marcus Bell
Conventional · Purchase
REQUESTED$420,000
DW
PA
LC
Qualified
Advanced to pipeline
1,284this month
Not qualified
Screened out on apply
612this month
02 / 03
Deep document analysis
Creddo reads applications, bank statements, and supporting documents, extracts the data points that matter, and cross-checks what borrowers claim against what their files show.
03 / 03
A closability score for every deal
Creddo turns the full analysis into a single, auditable closability score that shows how likely each deal is to close, so underwriters focus on the deals that fund.
Closability Score
0
/100
Likely to fund
What drives this score
AI nurturing
Nurturing that gets deals to close-ready.
Creddo follows up, answers questions, and chases what is missing, in the borrower's language and on their schedule, until the file is ready to close.
01 / 03Doc chasing
02 / 03Borrower Q&A
03 / 03Re-engagement
Document chasing
Creddo follows up on missing documents on a cadence you set, until the file is complete and ready to underwrite.
24/7 borrower answers
Creddo answers borrower questions at any time of day, in their preferred language, with the full context of their application.
No answer
Answered
Replied
No reply · repeat
Wait 30 minutes
Delay
Wait 2 days
Delay
Stalled-deal re-engagement
Creddo spots deals going cold and re-engages borrowers before they drop out of the funnel.
AI nurturing
Nurturing that gets deals to close-ready.
Creddo follows up, answers questions, and chases what is missing, in the borrower's language and on their schedule, until the file is ready to close.
01 / 03
Document chasing
Creddo follows up on missing documents on a cadence you set, until the file is complete and ready to underwrite.
02 / 03
24/7 borrower answers
Creddo answers borrower questions at any time of day, in their preferred language, with the full context of their application.
03 / 03
Stalled-deal re-engagement
Creddo spots deals going cold and re-engages borrowers before they drop out of the funnel.
No answer
Answered
Replied
No reply · repeat
Wait 30 minutes
Delay
Wait 2 days
Delay
Who Creddo is for
One platform for every kind of lending professional.
From auto dealers to credit unions, Creddo adapts to the products you already offer and the policies you already trust.
Car loans
Approve or decline auto deals in minutes, from dealer submission to funding.
Mortgages
Handle income, asset, and property documents at scale without losing the file.
Business loans
Read financials, weigh covenants, and route deals to the right credit owner.
Personal loans
Qualify, verify, and fund consumer deals with a fully digital flow.
Microfinance
Serve thin-file borrowers with lightweight intake and policy-aware decisions.
Credit unions
Modern origination for member-first lenders, without replacing your core.