The AI-Native Platform for Mortgage Origination.

How Copperlane helps

Loan Officers
Operations
Borrowers

Stop chasing documents. Start closing loans. Copperlane handles the back and forth so you can focus on what you do best.

What we do

An AI assistant that collects docs and asks the right questions for you.

Borrower

Loan Officer

  • can you resend…
  • what's your start date?
  • attach paystubs
  • bank statements?
  • W-2s for 2 years
  • tax returns?

Borrower Experience

Borrowers finish applications. Finally.

Instant answers. Auto-filled forms. Only the fields that matter. No more abandoned applications.

Instant answers, any time

Terms, requirements, next steps. Borrowers get compliant answers 24/7 without waiting for a callback.

Upload once, never retype

W-2s and bank statements auto-populate form fields. No transcription errors. No frustration.

Forms that adapt

Only relevant fields appear. VA sections hide for conventional loans. Self-employment questions show only when needed.

Penny
"What’s the difference between FHA and conventional loans?"

FHA loans need 3.5% down and 580+ credit. Conventional loans often have better rates with 620+ credit and 5-20% down.

Document Processing

Complete

W2_2024_JohnDoe.pdf

Uploaded just now
Extracted & prefilled

  • Employer name: Acme Corp
  • Annual income: $142,500.00
  • Tax year: 2024

Application Form

Personalized

  • Employment: 3 fields
  • Showing W-2 employee fields based on your income type
  • Property: 5 fields
  • Primary residence purchase, investment fields hidden
  • Self-Employment: Hidden
  • Not applicable since you indicated W-2 income only
  • VA Eligibility: Hidden
  • Not applicable for conventional loan

Document Verification

Review needed
Bank_Statement_Dec2024.pdf

Uploaded 2 min ago

  • AI Pre-verification
  • Document authenticity: Verified
  • Account holder match: Verified
  • Large deposit detected: Flagged

Penny is asking…
Where did the $15K deposit on Dec 12 come from?

Catch problems before underwriting does.

Issues get caught and clarified before the file reaches your desk.

Loan Officer Dashboard

Your whole pipeline. One screen.

Every borrower, every document, every flag. No more hunting through tabs.

  • Active Applications: 4 in pipeline
    • SM: Sarah Mitchell
      • Conventional · $425K
      • Ready
      • 12/12 docsChat
    • JC: James Chen
      • FHA · $280K
      • Flagged
      • 8/10 docsIncome gapChat
    • AP: Amanda Patel
      • Jumbo · $850K
      • In progress
      • 5/14 docsChat

Internal Workflows

Get answers. Offload manual tasks.

  • Instant answers in Slack or Teams
  • Penny lives inside your internal communication channels and answers questions.
  • Ask Penny to take action
  • Tell Penny to handle follow-up tasks via text, call, or email.
  • Create tickets that keep files moving
  • Penny can create request tickets to resolve missing items faster.

Multilingual Voice

Chat with borrowers in their language.

Penny converses with borrowers naturally in English, Chinese, and Spanish.

Penny
"Your October bank statement is still needed. Would you like help uploading it?"

"Yes, I have it on my phone."

"Perfect! Please upload it to your borrower portal."

Ready to stop chasing paperwork?

Request a Demo