Product
Increase sales pull-through 10% and achieve clear-to-close five days sooner
Friday Harbor pre-underwrites even the messiest, most complicated files. Originators win more loans and submit clean files to underwriting. Underwriters can approve in one touch.
Every loan officer can be a star producer
Have you noticed how the best LOs make it look easy? They anticipate issues upfront. They know how to structure a file. Their borrowers are clear-to-close sooner and don’t shop their LE to other lenders. Friday Harbor helps every originator achieve the pull-through rates of superstars.
Dynamic needs
As the loan file is assembled, Friday Harbor stays in sync with your LOS to provide specific, actionable, and complete needs.
End-to-end underwriting
Reviews the source documents holistically, accurately, and comprehensively across thousands of checks.
Income and asset sandbox
Structure a deal for easy approval and simplicity using Friday Harbor’s sandbox features.
Loan File Companion
A secure and compliant AI underwriting chatbot with direct access to the borrower’s documents and the relevant guidelines.
Where we fit
Not a POS, not an LOS. Friday Harbor integrates into your existing tech stack, stays in sync, and ensures perfect loan files for all product types.
AI-Native Differentiation
How AI pre-underwriting works
Friday Harbor pulls in borrower documents and loan data from your LOS.
Application
The system reads the file holistically to determine what is missing. This includes asking about the things borrowers forget to tell you about: large deposits, undisclosed liabilities, inconsistencies, declarations errors, omitted assets.
Conditions
Conditions are generated with specifics about the issue and references to the guidelines. As new documents arrive, the system automatically clears conditions in the LOS.
Income and Assets
Using actual source documents, the system can in real-time calculate qualifying income even in complicated scenarios: multiple jobs, variable income, self-employment, residual income, asset depletion.
Opportunities
Friday Harbor not only anticipates underwriting issues, it finds opportunities to qualify additional income, assets, or simplify the loan file for faster clear-to-close.
Application
The system reads the file holistically to determine what is missing. This includes asking about the things borrowers forget to tell you about: large deposits, undisclosed liabilities, inconsistencies, declarations errors, omitted assets.
Conditions
Conditions are generated with specifics about the issue and references to the guidelines. As new documents arrive, the system automatically clears conditions in the LOS.
Income and Assets
Using actual source documents, the system can in real-time calculate qualifying income even in complicated scenarios: multiple jobs, variable income, self-employment, residual income, asset depletion!
Opportunities
Friday Harbor not only anticipates underwriting issues, it finds opportunities to qualify additional income, assets, or simplify the loan file for faster clear-to-close.
Technology
Handling the messiness of the real-world
Friday Harbor was built from the ground up using modern AI specifically for mortgage lending. It can handle the real world, not just demo files or plain vanilla borrowers.
Real-world experience plus subject matter expertise
Specialized AI agents to handle underwriting tasks accurately and consistently
Official LOS integrations and an API to plug into proprietary tools or interact with AI agents
Relied upon at production scale by some of the largest lenders in the country
Trust
Security and Governance
Built from the ground up to the highest standards of
information security and AI governance.
SOC 2 Type II Certified
Enterprise-grade controls, support for SSO and RBAC, SOC 2 Type II independently audited by Johanson Group, LLC
Data Security
All data remains onshore, no humans-in-the-loop, and no offshore contractors
AI Governance
Third-party law firm exam and attestation to alignment with relevant federal, state, and GSE AI Governance standards
SOC 2 Type II Certified
Enterprise-grade controls, support for SSO and RBAC, SOC 2 Type II independently audited by Johanson Group, LLC
Data Security
All data remains onshore, no humans-in-the-loop, and no offshore contractors
AI Governance
Third-party law firm exam and attestation to alignment with relevant federal, state, and GSE AI Governance standards
Ready to learn more?
Speak with us to learn if Friday Harbor is a good fit for your organization.