Your lending team’s unfair advantage

AI agents that work alongside your teams and borrowers to deliver decision-ready files in one platform.

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Authentive

Why Authentive?

Borrowers fill long forms and spend days chasing documents. Lending teams use dozens of tools and still drown in manual work. And AI chatbots don't address any of the challenges teams face every day.

At Authentive, we're changing that.

An effortless experience borrowers love

Borrowers answer a few questions. Agents collect documents and auto-fill the rest.

Unmatched efficiency for lending teams

Automated document processing, income & asset insights. Your team makes decisions, not spreadsheets.

One platform, not ten vendors

Works with your existing LOS. No migration, no retraining, no vendor accumulation.

How it works

From first click to decision-ready. Here's how your loans get built.

Apply

Borrowers log into their payroll, bank, IRS, and other accounts. Our purpose-built browser agents, an industry-first, navigate these systems, collect documents, and auto-fill the application. No manual uploads, no document chasing.

Product

From application to underwriting-ready. One platform for every step.

Application

A borrower experience that keeps loans moving

  • Auto-filled applicationApplication fields auto-filled from collected documents. No manual data entry.
  • Automated document collectionBorrowers log in to payroll, bank, and IRS accounts. Purpose-built browser agents collect documents directly from source. No uploads, no data brokers.
  • Co-borrower workflowsEach borrower completes their tasks independently.
Processing

Intelligent document processing

Automatically classify, split, and extract data from 30+ document types including income, asset, tax, identity, and liability. Faster processing, fewer conditions.

Underwriting

Decision-ready insights, not raw documents

  • Income calculationsAutomated calculations for W-2, self-employed, social security, and a dozen more income types. Aligned to Fannie Mae and Freddie Mac guidelines.
  • Asset analysisAuto-detect large deposits and overdrafts from bank statements.
  • VerificationsIncome, asset, and tax transcript verification reports.
Integration

Works with your LOS

Underwriting-ready files, calculation worksheets, labeled documents, and verification reports delivered directly to Encompass and other origination systems via API. No rip-and-replace.

Payments

Built-in borrower payments

Collect application fees, appraisals, and post-closing payments, all within the origination workflow.

Security

Trust, privacy, and compliance

  • Secure and privateA confidential and encrypted agent workspace per borrower.
  • Eliminate fraudDocuments collected directly from source systems. Never uploaded, never editable, never fabricated.
  • SOC 2 Type 2 compliantIndustry-leading compliance and data security standards.

Ready to unlock your unfair advantage?

Schedule demo