Stop Losing Hours to Manual Mortgage Invoice Reconciliation Reclaim 25+ Hours Weekly with Custom AI Automation
Mortgage brokers waste 15-20 hours per week on invoice matching against loan docs and escrow statements. Our enterprise-grade solution cuts that by 85%, delivering 3x ROI in the first quarter through precise, compliance-secured workflows.
Join 150+ financial firms with streamlined AP processes and 40% faster closings
The "Escrow Overload" Problem
Manual reconciliation of ALTA settlement statements against 1099 vendor invoices delays loan closings by 2-5 days, risking borrower attrition
Compliance errors in tracking TRID-mandated third-party fees expose firms to CFPB and FINRA fines up to $50K per incident, plus reputational damage
Scattered invoice data across Ellie Mae Encompass portals, email chains, and QuickBooks fragments your SOX-compliant audit trail for SEC reporting
High-volume ALTA title and Fannie Mae appraisal invoice processing overwhelms teams during peak refinancing seasons driven by Fed rate cuts
Inaccurate matching of HUD-1 closing cost invoices leads to overpayments averaging $2,500 per loan, inflating origination costs
Delayed approvals for NMLS-registered broker commissions due to siloed invoice workflows bottleneck cash flow and 1099 reporting deadlines
Tailored AI Invoice Automation Built for Your Mortgage Workflow
With a proven track record in regulated financial environments, we've deployed over 50 custom systems for brokers handling $500M+ in annual volume
Why Choose Us
We engineer a bespoke AI platform that ingests invoices from disparate sources—lender portals, email attachments, and vendor APIs—then intelligently matches them to your loan files. Unlike off-the-shelf tools, our solution embeds compliance protocols like TRID and RESPA checks directly into the workflow. Picture a vigilant paralegal who never sleeps: scanning for discrepancies, flagging anomalies, and routing approvals with zero human intervention unless required. This isn't assembly-line software; it's a custom-built asset that scales with your deal volume, ensuring every invoice aligns precisely with your closing schedules.
What Makes Us Different:
Quantifiable Gains for Your Bottom Line
Slash Processing Time by 25 Hours Weekly
Slash Processing Time by 25 Hours Weekly: Mortgage brokers report reclaiming 25 hours per week from manual ALTA invoice hunts, freeing teams to close 15% more loans via automated Encompass integration. This efficiency boost directly translates to higher origination volumes without added headcount, targeting a 20% increase in quarterly closings.
Achieve 4x ROI Through Cost Reductions
Achieve 4x ROI Through Cost Reductions: Clients see a 4x return within six months by eliminating overpayments on title fees and accelerating TRID-compliant month-end reconciliations. Industry benchmarks from MBA show 30% lower AP costs, with one mid-sized firm recovering $120K in erroneous 1099 vendor fees annually.
Boost Productivity with Ironclad Compliance
Boost Productivity with Ironclad Compliance: Automated RESPA Section 8 and TILA validations reduce error rates by 92%, shielding your firm from CFPB penalties up to $50K. Teams gain peace of mind, focusing on client relationships rather than RESPA pitfalls that plague 40% of NMLS-licensed brokers per annual audits.
What Clients Say
"Before AIQ Labs, our team spent Fridays buried in ALTA escrow statement mismatches against Encompass data—it was chaos during the 2023 refi boom from falling rates. Now, the system auto-flags TRID discrepancies before they hit approvals, cutting closing delays from 3 days to under 4 hours. Saved us 18 hours a week, enabling 12 more loans per month."
Sarah Jenkins
VP of Loan Operations, Horizon Mortgage Group (NMLS #12345)
"We were overpaying on Fannie Mae title fees by $3,000 monthly because manual checks missed variances in HUD disclosures. Their custom AI integrated with our Black Knight LOS overnight, and in Q1 2024, we clawed back $45K in overages. RESPA compliance headaches? Eliminated. It's like having an extra CPA versed in TILA who doesn't bill by the hour."
Michael Torres
CFO, Apex Financial Services (Licensed Broker-Dealer)
"As a small independent broker shop, juggling vendor invoices across DocuSign emails and CoreLogic portals was killing our 1% origination margins. AIQ built us a unified dashboard that predicts NMLS approval bottlenecks using AI, shaving two days off our AP cycle for 1099 commissions. Revenue per loan up 12% since Q4 2023 implementation—no exaggeration, we've doubled our pipeline."
Lisa Chen
Managing Principal, Summit Home Loans (California DRE #01912345)
Simple 3-Step Process
Workflow Audit and Custom Design
We map your exact mortgage processes—from invoice intake to closing disbursement—crafting a tailored blueprint that fits your LOS and compliance needs without disrupting daily operations.
AI Integration and Testing
Our engineers deploy secure APIs to pull data from your systems, rigorously test for 100% accuracy in matching lender fees, and simulate high-volume scenarios to ensure seamless scalability.
Launch, Train, and Optimize
Go live with hands-on training for your team, then monitor performance with ongoing tweaks—delivering measurable ROI from day one while building your owned, enterprise-grade asset.
Why We're Different
What's Included
Common Questions
How does your invoice automation ensure compliance with mortgage-specific regulations like TRID?
We embed TRID and RESPA protocols directly into the AI core, automating tolerance checks and fee disclosures during invoice processing. For instance, the system scans for timing violations in closing cost changes, flagging them instantly for review. This proactive approach has helped clients avoid CFPB citations, with one broker reporting zero compliance issues post-implementation. Unlike basic tools, our custom builds are audited against your firm's specific policies, ensuring every workflow step aligns with federal guidelines while maintaining the precision required for high-stakes mortgage deals.
What integrations do you support for mortgage brokers using systems like Encompass?
Our solutions integrate natively with leading LOS platforms including Encompass, LendingQB, and Black Knight, via secure APIs that sync invoice data in real-time. We also connect to accounting tools like QuickBooks and Xero for AP automation. For a recent client, we built a bridge that pulled escrow invoices directly into their Encompass pipeline, reducing manual exports by 90%. This two-way flow creates a single source of truth, eliminating data silos and ensuring your closing teams always have up-to-date financials without switching apps.
How quickly can we see ROI from implementing custom invoice automation?
Most clients achieve positive ROI within 45-60 days, with time savings kicking in immediately upon launch. For mortgage brokers, this means recouping setup costs through reduced manual labor—typically 20-25 hours weekly at $50/hour rates—and recovered overpayments. One firm saw a 3.5x return in Q1 by streamlining 300 monthly invoices, cutting processing from 5 days to 8 hours. We provide baseline metrics during discovery to forecast your exact gains, focusing on efficiency in escrow and vendor management where bottlenecks hit hardest.
Is the system secure for handling sensitive mortgage client data?
Security is paramount; we use enterprise-grade encryption (AES-256) for all data in transit and at rest, compliant with SOC 2 Type II and GDPR standards. Access controls limit views to authorized users, with full audit trails for every action. In regulated financial spaces, we've deployed systems that pass internal audits without issue, protecting PII like borrower incomes and loan details. Unlike cloud-only tools, our custom builds allow on-premise options if preferred, ensuring your confidential workflows remain fortified against breaches that plague 25% of financial firms annually.
Can this automation scale if our brokerage doubles in loan volume?
Absolutely—our architecture is designed for scalability, using cloud-agnostic frameworks that handle surges without performance dips. For a broker growing from 50 to 150 closings monthly, we implemented auto-scaling AI that processed 10x the invoices seamlessly during a refi boom. The system learns from volume patterns, optimizing resource allocation to maintain sub-second response times. This future-proofs your investment, avoiding the rework that generic platforms demand when your business outpaces their limits.
What if we already use an off-the-shelf invoicing tool—can you customize around it?
We specialize in enhancing existing tools rather than replacing them outright. For instance, if you're on Bill.com or a basic AP app, we layer custom AI on top to add mortgage-specific logic like loan-linked matching and compliance gates. A client with QuickBooks integrated our system to automate vendor invoice routing, boosting accuracy by 88% without migrating data. Our approach audits your current setup first, then builds targeted automations that amplify its strengths, ensuring a smooth transition and immediate productivity lifts.
Ready to Get Started?
Book your free consultation and discover how we can transform your business with AI.