Everything a Processor Needs. Nothing They Don't.
From AI document intake to LOE generation to DSCR calculators — LendFlowPro handles the entire loan lifecycle in one platform.
Documents That Process Themselves
Upload a file — our AI classifies, renames, extracts, and populates your loan record automatically.
Instant Document Renaming
AI renames scanned files like scan001.pdf to John_Smith_W2_2023.pdf automatically — no manual labeling.
Smart Auto-Classification
26+ document categories detected on upload with confidence scoring. W-2s, 1040s, bank statements, gift letters, and more.
MISMO XML Auto-Populate
Parse FNMA/Freddie MISMO 3.4 files and auto-fill borrower, loan, and property fields — only empty fields touched.
Condition Extraction
Upload a conditional approval PDF; AI extracts all PTD/PTF conditions, lender names, underwriter, and expiry dates.
From Conditional Approval to Clear-to-Close
Track every condition, generate Letters of Explanation, and send borrower requests — all from one place.
Condition Tracker
Track every condition across Outstanding, Submitted, and Cleared states. Full history of who cleared what and when.
LOE Generator
Upload conditions and auto-generate tailored Letters of Explanation for each one. Borrower-ready in seconds.
Document Request List
Instantly generate a tailored document checklist from outstanding conditions. Share with borrowers directly.
Email Templates
One-click borrower email templates pre-populated with required documents, deadlines, and upload instructions.
8-Stage Pipeline. Zero Dropped Balls.
Every loan moves through a structured lifecycle with automated gates that prevent skipped steps.
8-Stage Pipeline
REGISTERED → LOCKED → DISCLOSED → SUBMITTED → CONDITIONAL → CTC → DOCS OUT → FUNDED. Every transition tracked.
Smart Workflow Gates
Stage advances blocked until all prerequisites are met — rate lock dates, checklists, investor selection, conditions cleared.
Non-QM 12-Step Workflow
Extended visual workflow for investment and non-agency loans with 12 sub-steps mapped to the same 8 DB stages.
Deadline Tracking
Rate lock expiry, closing date, appraisal deadline, and disclosure dates tracked per loan with visual alerts.
The Complete Non-QM Toolkit
Everything you need for DSCR, bank statement, asset depletion, and investor loans — built in.
5 DSCR Calculators
Basic, Interest-Only (3-way), Reverse, NOI-Based, and Multi-Property Portfolio. Input validation with warnings.
Lender Program Matching
Angel Oak, NewFi, Verus, Acra — browse real programs, check eligibility, and assign to a loan in one step.
Rental Estimate Integration
Live market rental data via Rentcast API with 30-day caching. See rent ranges and comparable properties instantly.
Investor Condition Templates
Conditions auto-seeded per lender and program type the moment an investor is selected. Removed if deselected.
Every Loan Type. Every Borrower.
8 loan programs in one pipeline. ITIN borrowers and EEP structured financing are first-class — not bolted on. Intersect cases (ITIN borrower on EEP) are handled automatically.
ITIN Loans — Borrowers Without an SSN
Full wholesale ITIN workflow: IRS ITIN letter validation (9XX-XX-XXXX), single-bureau credit pricing, tiered program matching (premium and risk-priced), no PMI, cash-out-TX guard.
Earned Equity Program — Structured Financing
FHA-backed Housing Empowerment Program with HUD-approved non-profit coordination. Auto-populated program fees (UW + management fee + occupancy deposit + notary), 12-mo VOR gate, SFA execution tracking.
Intersect Support
ITIN borrowers using EEP? Both checklist layers attach automatically — identity docs (ITIN letter, passport) plus structured-financing docs (SFA, VOR) in one file. No LO choosing between silos.
8 Loan Types Supported
Conventional, FHA, VA, USDA, Jumbo, Non-QM, ITIN, EEP — one pipeline, one dashboard, one workflow. Track split is on the LoanTrack axis (AGENCY / NON_QM), not the loan type, so products compose cleanly.
Math Every Underwriter Already Runs
Not another generic calculator — FNMA Selling Guide B3-3 methodology, line-by-line. The same math MGIC worksheets use, cited on every field, reproducible to the dollar.
FNMA B3-3 Cited Line-by-Line
Every calculation traces to its FNMA Selling Guide section and source-form line. Your UW runs the same math — it's already built.
5 Self-Employed Forms. One Engine.
Schedule C, Schedule F, 1065 K-1, 1120S K-1, and Form 1120 — full line-by-line with add-backs, multi-year averaging, and declining-income gate.
Asset Depletion — 3 Methods
FNMA B3-3.1-09, FHLMC 5307.1, and Angel Oak's 84-month Non-QM divisor — switch methods to see which qualifies the borrower. No one else does this.
Business Liquidity Test (B3-3.4-02)
Quick Ratio + Current Ratio from Schedule L. K-1 distributions fail-closed when liquidity isn't there. Most platforms skip this gate — underwriters don't.
Every Income Type. One Workflow.
W2, bank statement, DSCR rental, Other Income (interest/dividends/cap gains) — all calculated against FNMA guideline thresholds with continuity gates where they matter.
W2 / Full Doc
Multi-employer averaging, YTD paystub annualization, commission with 2106 netting. Pre-filled from MISMO XML on upload.
Bank Statement (Non-QM)
Angel Oak 12/24-month method with personal + business modes, YoY disqualification (-35%), spike protection (>150% capped at 2.5×).
Other Income (B3-3.1-10)
Interest (Sch B Line 1), dividends (Sch B Line 2), capital gains (Sch D) — with continuity gates: supporting balance × 1-2% APY must cover ≥50% of avg.
Underwriter Worksheet PDF
Download a cite-every-line income analysis worksheet per loan. UW opens it, sees the familiar methodology, signs off. No argument.
Submission-Ready Every Time
Auto-built checklists, TRID-compliant fee worksheets, and pre-qual tools that ensure nothing gets missed.
Auto-Seeded Checklists
Checklist builds automatically from loan type and income type — Conventional, FHA, VA, DSCR, Jumbo. No manual setup.
Fee Worksheet (TRID A–H)
Full LE/CD fee worksheet with sections A through H. Live-calculated prepaids, escrow, and running grand total.
Pre-Qualification Worksheet
7-section intake covering Application, Credit, Income, Assets, Collateral, Document Request, and AUS Findings.
Missing Doc Alerts
Automatically flags incomplete checklist items and missing documents before you attempt a stage advance.
Your Entire Workflow in One Tab
Gmail, Calendar, and the borrower portal — all connected. No context switching.
Gmail Integration
Full inbox, compose, reply, archive, and trash. Pre-built email template library for common processor messages.
Google Calendar Sync
Loan milestones auto-create calendar events. Rate lock, closing, funding — all bidirectionally synced.
Borrower Portal
Self-service portal for borrowers — document upload, loan stage tracking, pre-qual completion. No email chains.
Push Notifications
Real-time Gmail push notifications via webhook. New documents and messages surfaced instantly.
Built for Teams. Built for Compliance.
Role-based access, encrypted data, and a full audit trail — everything regulators and principals expect.
Role-Based Access
Admin, Processor, Loan Officer, Junior Processor, and Borrower roles. Each role sees exactly what it should.
Team Relationships
LO–Processor and Senior–Junior pairings with invite-based onboarding. Loan visibility scoped to relationship.
Full Audit Trail
Every document action, status change, and login logged with actor, timestamp, and before/after values.
GLBA Compliant
AES-256-GCM encrypted tokens, SOC 2 ready infrastructure, 99.9% SLA, and GLBA-compliant data handling.
See Every Feature Running on Your Loans
Start a free trial or book a demo. We'll walk through the workflow on a real loan file.