Lia  /  Platform  /  Underwriting

Complete files in.
Page-cited decisions out.

Lia reads the file against your guideline matrices before underwriting sees it. Clean submissions, fewer round trips, approvals in one touch.

See the Decision
43 › 30
Days to close
45% › 60%
Pull-through
Fewer
Round trips
Pre-Underwriting

Every file arrives like your best originator built it.

The strongest LOs see the problem early and never send underwriting something that comes straight back.

Read as one file
Documents checked against each other, not one at a time against a coversheet.
Cited to your guidelines
Every finding points to the page it came from, in your own program library.
Structured before submission
A cleaner path to the same approval, while the LO can still act on it.
Conditions that explain themselves
What is missing, why it matters, and what would clear it.
The Decision

Underwriting, by Lia.

A complete file goes in. A cited decision and the work that remains come out.

Goes in
Data and documents
  • 1003 and credit report
  • Income and assets
  • Property and program
  • Your guideline matrices
›
Comes out
Recommendation
Approve
Approve with conditions
Suspend
›
What is left
Pending actions
  • Open conditions
  • The guideline behind each
  • Docs that would clear them
  • Drafted borrower requests
Your guidelines, fully loaded. Every decision cites the exact page it came from.
Where It Fits

AI underwriting, where the file stalls.

Lia reads the file in the gap between assembled and decided, which is where loans quietly fall apart.

Upstream
Application and documents, in your systems
Lia
The file is read, gaps surface, the submission is cleaned
Downstream
Your underwriter decides, in your LOS
Built For Real Files
Real borrowers are not demo files.

Anything can read a clean W-2 wage earner. The work is in the files that are not.

Complicated income
Self-employment, variable pay, multiple jobs, mid-year changes.
Messy documents
Phone photos, angled scans, missing pages, duplicate uploads.
Your overlays
Your program library, not a generic reading of agency guidelines.
Rules decided, not guessed
Threshold questions settled by logic that answers the same way every time.
Trust and Governance

A recommendation is not a decision.

Your underwriter keeps the judgment and gets to it faster.

Your underwriter decides
Lia does not approve, deny, or clear its own conditions.
Every finding is citable
Check the work instead of trusting it.
Logged end to end
What was read, recommended, and decided is on the record.
Consistent by construction
The same file twice gives the same eligibility answer.
Documents stay yours
Access scoped to the file team. Never used to train shared models.
Onshore, no outside desk
No offshore contractor reading your borrowers' files.

Controls are built to SOC 2 standards, with formal SOC 2 Type II certification on our security roadmap. We are glad to walk your risk team through the architecture and audit trail.

See It On Your Files

Run it against a file you already know.

Point it at a loan your team has worked and see whether it found what your underwriter found.

No spam. Nima will personally reach out.

You're on the list.

We will reach out within 24 hours.