AI-native mortgage origination platform that automates borrower intake, document verification, and condition management on top of existing LOS.
Copperlane is an AI-native mortgage point-of-sale and verification layer that integrates on top of existing loan origination systems like Encompass and Byte. Its AI system Penny communicates with borrowers via SMS, voice, and email; validates documents at upload; and routes them to the correct LOS conditions without manual processor intervention. Loan officers retain full control over credit decisions while the platform provides real-time pipeline visibility and builds cleaner, auditable files. Designed for independent mortgage banks with 50–500 loan officers. Copperlane is a product of Copperlane.