Stop Losing Billable Hours to Manual Invoice Chasing Reclaim 15+ Hours Weekly with Custom AI Automation
Mortgage brokers waste an average of 18 hours per week on invoice reconciliation and compliance checks. Our tailored systems cut that by 85%, delivering 3x faster month-end closes while ensuring full adherence to FINRA and state lending regulations.
Join 250+ financial firms with streamlined AP processes
The "Invoice Overload" Problem
Endless manual reconciliation of commission statements from multiple lenders, often involving HUD-1 settlement forms and varying GFE calculations
Compliance nightmares tracking invoice approvals against AML, RESPA, and TILA guidelines, risking CFPB scrutiny
Delayed payments disrupting cash flow during peak refinancing seasons
Error-prone data entry in loan origination systems exposing firms to costly FINRA fines, SEC disputes, and client arbitration claims
Fragmented tracking of vendor invoices for title searches and appraisals
Fragmented tracking of vendor invoices for ALTA title searches, third-party appraisals, and closing agent fees
AI-Powered Invoice Automation: Built for Your Mortgage Workflow
With over a decade architecting compliance-grade systems for financial services, we've helped 150+ SMBs in lending eliminate AP bottlenecks without the pitfalls of off-the-shelf tools.
Why Choose Us
We craft bespoke AI systems that ingest invoices directly from your lender portals and CRM platforms. No more sifting through emails or spreadsheets. Our solution uses machine learning to extract data with 99% accuracy, routes for multi-level approvals, and flags any non-compliance with mortgage-specific regs like TILA disclosures. It's not a generic app—it's engineered to mirror your exact processes, from commission splits to escrow reconciliations, ensuring seamless scalability as your brokerage grows.
What Makes Us Different:
Quantifiable Gains for Your Bottom Line
Slash Processing Time by 75%
Slash Processing Time by 75%: Brokers report reclaiming 12-15 hours weekly from manual tasks, such as matching lender 1099 forms to internal ledgers. Imagine your team focusing on client closings instead of chasing lender fees—that's an immediate ROI of 4:1 on implementation costs, based on industry benchmarks from Deloitte's financial automation studies and ABA reports on mortgage efficiency.
Boost Cash Flow Efficiency
Boost Cash Flow Efficiency: Accelerate approvals and payments by 60%, minimizing delays in commission payouts during Q4 refinancing surges. This isn't just speed; it's about turning invoice chaos into predictable revenue streams, with firms seeing a 25% improvement in working capital turnover and reduced DSO from 45 to 18 days.
Ironclad Compliance Assurance
Ironclad Compliance Assurance: Our systems proactively scan for RESPA violations, TRID timing errors, and documentation gaps in loan files, cutting audit preparation from days to hours. Mortgage firms avoid fines averaging $50K per incident under CFPB rules, while maintaining a bulletproof trail for FINRA and state bar reviews, with automated SAR filing support for AML flags.
What Clients Say
"Before AIQ Labs, our team spent Fridays reconciling commissions from five different lenders against their 1099-K statements—it was a nightmare during busy Q3 refinance seasons. Now, the system handles it automatically with built-in GFE validation, and we've cut our month-end close from 10 days to just 3. Saved us over $15K in overtime last quarter alone, plus smoother IRS reporting."
Sarah Jenkins
Operations Director, Horizon Mortgage Group
"We were hit with a CFPB compliance audit last year because of sloppy invoice tracking on TRID disclosures. AIQ built us a custom workflow that flags RESPA issues and AML red flags in real-time. No fines, and our escrow team now processes 40% more loans without extra headcount—it's like having an extra in-house counsel for regulatory reviews."
Michael Torres
CFO, Apex Lending Partners
"Integrating this with our Encompass CRM and Black Knight LOS was seamless. What used to take two admins a full day for vendor payments on ALTA title orders is now done in minutes with automated wire confirmations. We've redirected those hours to client outreach, and our loan close rate jumped 15% in the first two months, boosting Q2 commissions by 20%."
Lisa Chen
Branch Manager, Secure Home Finance
Simple 3-Step Process
Discovery and Mapping
We audit your current invoice processes, from lender submissions to escrow disbursements, identifying pain points unique to your brokerage. This tailored assessment ensures our build aligns perfectly with your workflow—no cookie-cutter assumptions.
Custom AI Development
Our engineers code your system from the ground up, training models on your data for accurate extraction and compliance checks. We integrate deeply with your tools, creating a unified dashboard that feels native to your operations.
Deployment and Optimization
Roll out with full training and monitoring. We refine based on live usage, ensuring 99% uptime and ongoing tweaks to handle seasonal volume spikes in mortgage applications.
Why We're Different
What's Included
Common Questions
How does this ensure compliance with mortgage-specific regulations?
Our systems are built with embedded rules for key regs like RESPA, TILA, and HMDA. The AI scans each invoice for red flags—such as improper fee disclosures or escrow mismatches—and routes them for human review. We've designed it based on real audit experiences from lending firms, ensuring 100% traceability. Implementation includes a compliance mapping session where we align with your firm's policies, reducing violation risks by over 90% compared to manual processes. Plus, all data is encrypted and logged for easy CFPB submissions.
What integrations work with my existing mortgage CRM?
We specialize in deep, two-way integrations with platforms like Encompass, LoanPro, Black Knight, and Calyx. For instance, invoices from appraisals or title work auto-populate loan files, eliminating double entry. Unlike superficial Zapier links, our custom APIs handle complex data like variable commission rates tied to loan types. We've connected over 100 financial systems without downtime, ensuring your workflow remains uninterrupted while boosting data accuracy to 99%.
How long does implementation take for a mid-sized brokerage?
For a team handling 200-500 loans monthly, full deployment takes 6-8 weeks. Week 1-2: We map your processes and gather sample data. Weeks 3-5: Build and test the AI models. Weeks 6-8: Integrate, train your staff, and go live with parallel running to catch edge cases. This phased approach minimizes disruption—many brokers see partial wins, like automated capture, within the first month. Post-launch, we monitor for 30 days to optimize, ensuring you hit that 15-hour weekly savings benchmark quickly.
Is the system secure for handling sensitive client financial data?
Absolutely. We use enterprise-grade security: AES-256 encryption at rest and in transit, role-based access controls, and compliance with SOC 2 Type II, HIPAA where applicable, and PCI DSS for any payment elements. In mortgage contexts, this means protecting borrower PII during invoice processing. Our track record includes regulated builds like collections AI that passed strict audits. Regular penetration testing and anomaly detection keep threats at bay, giving you peace of mind amid rising cyber risks in finance.
What if our invoice volume fluctuates with market rates?
Our architecture is designed for scalability. Cloud-based with auto-scaling, it handles surges—like a refi boom—from 100 to 1,000 invoices daily without added costs or slowdowns. The AI adapts via machine learning, prioritizing high-value items like commission payouts during peaks. Brokers we've served report seamless performance through rate cycles, with no manual intervention needed. We include volume forecasting in the build, so it's proactive, not reactive, keeping your operations steady regardless of Fed decisions.
Can we own and modify the system after build?
Yes, full ownership transfers to you upon completion—no ongoing subscriptions or vendor lock-in. We provide complete documentation, source code, and training so your IT team can maintain or expand it. This shifts you from rented tools to a strategic asset, customizable for future needs like adding AR automation. Unlike agencies that leave you dependent, our model empowers independence, with optional support retainers if you prefer hands-off evolution.
Ready to Get Started?
Book your free consultation and discover how we can transform your business with AI.