Stop Losing Hours to Manual Invoice Reconciliation in Your Mortgage Pipeline Automate It with Precision-Built AI
Mortgage brokers using our custom automation save an average of 25 hours per week on invoice processing, cutting compliance risks by 40% and boosting ROI through seamless integration with your loan origination systems.
Join 150+ financial firms with streamlined AP processes
The "Invoice Bottleneck" Problem
Endless manual matching of lender invoices to loan origination files under tight TILA and RESPA regulatory deadlines
Compliance headaches from unverified vendor payments risking FINRA audits and SEC enforcement actions
Delayed reimbursements for title insurance and escrow closing fees slowing cash flow in high-volume residential mortgage deals
Error-prone manual entry of commission splits across multiple brokerage platforms under MSRB and FINRA reporting rules
Overlooked duplicate invoices from third-party real estate appraisers inflating operational costs and triggering HUD compliance reviews
Time-sucking manual approvals for adjustable-rate mortgage (ARM) adjustment fees without automated workflows compliant with CFPB guidelines
Our Custom AI Invoice Automation – Built for Mortgage Precision
With over a decade of experience engineering compliant systems for financial SMBs, AIQ Labs delivers enterprise-grade automation tailored to your brokerage's unique regulatory landscape.
Why Choose Us
We craft bespoke AI workflows that ingest invoices from email, portals, and scans, then intelligently match them to your mortgage pipeline data. Think of it as a vigilant paralegal who never sleeps, cross-referencing every detail against your LOS and ensuring Dodd-Frank compliance before a single payment posts. Our systems integrate deeply with tools like Encompass or Black Knight, eliminating the patchwork of subscriptions that bog down your team. Short on time? We start with a workflow audit to pinpoint your exact pain points, then build a scalable solution that grows with your deal volume.
What Makes Us Different:
Unlock Quantifiable Gains in Efficiency and Compliance
Slash Processing Time by 25 Hours Weekly
Slash Processing Time by 25 Hours Weekly: Manual invoice handling in mortgage firms often consumes 30+ hours per week per admin, especially during HMDA reporting cycles. Our AI automates capture, validation, and routing to LOS systems, freeing your team for client-facing tasks like underwriting reviews and deal closings. Brokers report a 300% ROI within the first quarter, as time saved translates directly to more loans originated without added headcount, enabling 15% faster pipeline throughput.
Boost Productivity with 40% Fewer Errors
Boost Productivity with 40% Fewer Errors: Inaccurate invoice data can trigger costly compliance violations, with financial firms facing average fines of $50K per incident under Sarbanes-Oxley or Dodd-Frank. Our system uses machine learning to flag discrepancies in real-time against KYC/AML protocols, ensuring every payment aligns with your underwriting standards. This not only cuts rework but enhances audit readiness for FINRA exams, giving you peace of mind in a regulated world while reducing potential penalties by up to 60%.
Achieve Rapid Cost Reduction and Scalability
Achieve Rapid Cost Reduction and Scalability: Traditional AP tools force mortgage brokers into rigid templates, leading to 20% overhead from unused features and integration gaps with core banking systems. Our custom builds adapt to your workflow, reducing subscription sprawl and delivering a 4x efficiency gain through seamless API connections. Scale effortlessly as your pipeline grows, from 50 to 500 loans monthly, without proportional cost increases, supporting Basel III capital efficiency requirements.
What Clients Say
"Before AIQ Labs, our team spent Fridays buried in invoice stacks for refinance deals under tight RESPA deadlines – it was chaos during peak seasons. Their automation cut our processing from 12 hours to under 2 per batch, integrated directly with our Encompass LOS, and we caught a duplicate escrow fee that saved us $8K last quarter amid a HUD audit. It's like having an extra processor without the salary or compliance training costs."
Sarah Jenkins
Senior Operations Manager, Horizon Mortgage Group (a mid-sized lender processing 1,200 loans annually)
"Compliance was always a nightmare with manual entries risking AML flags on vendor pays for wire transfers. AIQ's system integrated perfectly with our Black Knight LOS, automating approvals and reducing errors by half per our internal audits. In six months, we've closed month-ends a full week faster, which has been huge for our small team handling 200+ commercial loans yearly while staying Dodd-Frank compliant."
Michael Torres
Chief Financial Officer, Apex Financial Brokers (SEC-registered investment advisory firm)
"We were juggling three apps just for AP, costing us $2K monthly in subs and risking FINRA reporting delays. AIQ built a unified tool that handles everything from appraisal invoices compliant with USPAP standards to commission payouts under MSRB rules. Saved us 18 hours a week, and during our busy Q4, it prevented any compliance slips on 150 municipal bond deals – worth every penny of the investment for our scalability."
Lisa Chen
Director of Administration, Summit Loan Services (full-service brokerage with 50 agents)
Simple 3-Step Process
Workflow Discovery and Audit
We dive into your current invoice processes, mapping integrations with your mortgage software and identifying compliance gaps. This tailored assessment ensures our build aligns perfectly with your daily realities.
Custom AI Design and Prototyping
Our engineers architect the system using advanced frameworks, incorporating your specific rules for things like 3-day payment holds on closing costs. We prototype and test for accuracy before full deployment.
Seamless Integration and Launch
We connect the AI to your ecosystem, train your team, and monitor the rollout. Ongoing support ensures it evolves with regulatory changes, delivering sustained time savings from day one.
Why We're Different
What's Included
Common Questions
How does this automation ensure compliance with mortgage-specific regulations like RESPA?
Our systems are designed with built-in checks for RESPA and TILA requirements, automatically validating that fees like origination charges align with disclosed estimates. We embed rule-based AI that flags discrepancies before approval, and every transaction logs a tamper-proof audit trail. For mortgage brokers, this means no more manual reviews that risk Section 8 violations. In practice, clients see a 40% drop in compliance queries during audits. We customize these rules during the discovery phase to match your state's exact guidelines, ensuring the tool evolves with federal updates without disrupting your workflow.
What integrations does it support for my existing loan software?
We specialize in deep, two-way integrations with platforms like Encompass, Calyx Point, and Black Knight Originate. The AI pulls loan data directly to match invoices, then pushes approved payments back to your system for seamless reconciliation. No more CSV exports or brittle Zapier links – our custom APIs handle it all securely. For example, it can auto-populate vendor details from your LOS database, reducing entry time from minutes to seconds per invoice. If you use QuickBooks for AP, we ensure postings include mortgage-specific categorizations like escrow advances.
How long does it take to implement for a mid-sized brokerage?
Typically, we complete discovery and build in 4-6 weeks for firms processing 100-300 invoices monthly. This includes a one-week audit, two weeks of coding and testing, and a final integration phase with your team. Unlike off-the-shelf tools that require months of customization, our approach leverages proven frameworks to accelerate deployment. Post-launch, we offer a 2-week handover with training, so your admins are up to speed quickly. One client, a 50-employee broker, went live in under a month and recouped costs through time savings in just 45 days.
Is the system secure for handling sensitive financial data?
Absolutely – security is non-negotiable in finance. We use enterprise-grade encryption (AES-256) for data at rest and in transit, with role-based access controls tailored to your team's hierarchy. Compliance with SOC 2 Type II, HIPAA where applicable, and FINRA data protection standards is baked in. The AI processes invoices without storing unnecessary PII, and we conduct regular penetration testing. For mortgage brokers, this means peace of mind when handling borrower details in invoices; our clients report zero breaches in three years of operation.
Can it handle variable invoice types, like commissions or third-party services?
Yes, our AI is trained on diverse mortgage invoice formats, from variable commission splits to irregular third-party fees like flood certs or credit reports. It uses machine learning to classify and extract key fields dynamically, even from non-standard PDFs. For instance, it distinguishes between broker commissions and lender reimbursements, applying your specific GL codes automatically. This adaptability has helped clients reduce manual categorization by 60%, especially during volatile rate environments when invoice volumes spike unpredictably.
What kind of ROI can I expect, and how is it measured?
Brokers typically see a 3-5x ROI in the first year, driven by 20-30 hours saved weekly at $50/hour admin cost – that's $50K+ annually. We measure via pre- and post-implementation benchmarks, tracking metrics like processing time, error rates, and close cycle speed. One firm calculated $120K savings from avoided overpayments alone. Our dashboard provides ongoing analytics, so you see the impact in real-time, with adjustments to maximize returns as your business scales.
Ready to Get Started?
Book your free consultation and discover how we can transform your business with AI.