Smart lending intake

Your most closable deals, surfaced first.

An AI-scored inbox that ranks every application by how likely it is to close.

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Applications
AC
Acme Corp Inc
Applications
12 total · 0 need attention
Applications
0
3Approved
6Rejected
1Draft
All
Submitted
In Review
Completed
Draft1
Search by name or phone…
Applicant
Closability
Form
Amount
AI Summary
Docs
Status
Activity
showing7 per page
1
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15
Trusted across the stack

Close loans in minutes, not days.

Creddo connects to your existing stack and turns slow, manual underwriting into an automated, audit-ready pipeline that accelerates approvals and increases funded volume.

Autohall
Dential
Autocaz

8 min

Average processing time

12,500+

Applications scored per day

99.2%

Document verification accuracy

You close deals.Creddogets them there.
Pipeline

Every application, ranked.

Open your pipeline sorted by closability. Each application scored on eligibility, document completeness, and responsiveness. AI-generated summaries flag key risks and surface next steps. The deals worth your time are always on top.

Elgibility rulesComplianceDocument processing
See the inbox
Applicant
Closability
Form
Amount
AI Summary
Docs
Status
Activity
Marcus Holloway
marcus.h@triddle.co
0%
Investor DSCR · 30yr
$425,000
Strong file · 740 FICO · 1.42 DSCR · ready for UW
6/6
Re-Engaging
1m
Jessica Martinez
jessica.m@northbay.com
0%
Conv. Purchase
$312,000
Co-borrower added · awaiting updated paystubs
4/6
Pre-Approved
4m
Michael Chen
mchen@harborline.io
0%
Cash-Out Refi
$186,000
Appraisal scheduled · LTV 68% · clean tri-merge
5/5
Needs Docs
11m
Ayesha Khan
ayesha.khan@longacre.co
0%
FHA 203(k)
$248,500
Self-employed · 2yr returns under review · YTD P&L pending
7/9
Needs Docs
26m
Michael Smith
m.smith@goldcrest.us
0%
HELOC · 1st lien
$95,000
Title cleared yesterday · ready to schedule closing
5/5
In Review
1 hr
Michael Smith
m.smith@goldcrest.us
0%
HELOC · 1st lien
$95,000
Title cleared yesterday · ready to schedule closing
5/5
In Review
1 hr
AI Summary

First-lien HELOC with title cleared yesterday. All disclosures are signed and the file is sitting in the closing queue waiting on a date.

  • Title clear · no liens or judgments
  • All initial and re-disclosures signed
  • Closing can be scheduled this week
Send pre-approval
Request missing docs
Send to underwriting
Decline application
Closability score
0/100
Low effort
No deal left behind

The rest of your pipeline runs on autopilot.

While your best deals rise to the top, Creddo keeps working everything else: following up, chasing missing documents, and re-engaging applicants on its own.

Every application keeps moving until it's ready to close or clearly dead, so none of your team's time or energy is wasted on busywork.

  • Automated follow-ups
  • Document chasing
  • Runs until closed or dropped
See re-engagement
Loan Application
Jessica Martinez
File
APP-4821
Application details
Loan type
Conv. Purchase · 30yr
Amount
$312,000
Property
1248 Northbay Rd, San Diego CA
FICO
712
DTI
38.4%
Submitted
May 24, 2026
Processing
Active
Follow up
Personalised nudge sequence by SMS + email.
Active
Document chasing
Auto-requests missing files until the file is complete.
Active
Re-engagement
Reactivates cold leads with tailored offers.
Outcome
Approved
Application moved to underwriting.
Flow Intake

Build it, simulate it, put it in the world.

One canvas to design, simulate, and publish loan flows, from internal underwriting to partner-branded portals.

Loan Simulator
Loan calculator step
TypeStandard (Consumer Loan)
Field display3 fields enabled
Show loan resultsYes (4 items enabled)
Sign up
Account Creation
Collected FieldsPhone number, Full name
Auto-saveEnabled
ResumeEnabled
Terms & ConditionsRequired
Identity Verification
Verifying ID through 4 steps
ID VerificationAll IDs allowed
Passive livenessEnabled
Background checkEnabled
Form steps
8 fields in the form
T
What's your full name ?*
What is your birthdate?
Not mapped
What's your revenue ?*
What's your profession ?
Not mapped
When were you born?
Not mapped
What's your yearly income?*
What is your current job?*
Documents
Upload 4 necessary documents
Bank Statement*
AI Extract
CNSS*
ID Card*
Address Proof
AI Extract
Flow builder

Compose every flow without code

Build intake forms with a no-code workflow builder, add conditional logic, and reuse blocks across products, all without developer tickets or engineering delays.

Mortgage Loan
Conv. Purchase
Active
Flow Builder
Translations
Preview
Versions history
Save
Loan Simulator
Loan calculator step
TypeStandard (Consumer Loan)
Field display3 fields enabled
Show loan resultsYes (4 items enabled)
Sign up
Account Creation
Collected FieldsPhone number, Full name
Auto-saveEnabled
ResumeEnabled
Terms & ConditionsRequired
Identity Verification
Verifying ID through 4 steps
ID VerificationAll IDs allowed
Passive livenessEnabled
Background checkEnabled
Form steps
8 fields in the form
T
What's your full name ?*
What is your birthdate?
Not mapped
What's your revenue ?*
What's your profession ?
Not mapped
When were you born?
Not mapped
What's your yearly income?*
What is your current job?*
Documents
Upload 4 necessary documents
Bank Statement*
AI Extract
CNSS*
ID Card*
Address Proof
AI Extract
100%
Simulator
Sign up
Questions
Identity
Documents
Building blocks

A rich library of blocks ready to drop in

Pull from document collection, identity verification, and a live loan simulator that quotes rates and payments as applicants type. Mix and match the pieces you need, configure them once, and reuse them across every flow.

Application Forms
6
Search forms
New form
FORM
PRODUCT
STEPS
DATA FIELDS
STATUS
LAST ACTIVITY
Home Loan Application
creddo.app/f/home-loan-application
Home Buyers
4 steps
4 fields
Published
Mar 22, 2026
Auto Loan Application
creddo.app/f/auto-loan-application
Car Buyers
5 steps
3 fields
Published
Apr 15, 2026
Personal Loan Application
creddo.app/f/personal-loan-application
Individual Borrowers
6 steps
5 fields
Draft
May 10, 2026
Mortgage Refinance
creddo.app/f/mortgage-refinance
Home Buyers
4 steps
4 fields
Published
Mar 22, 2026
Small Business Loan
creddo.app/f/small-business-loan
SMB Borrowers
5 steps
6 fields
Published
Apr 15, 2026
Equipment Financing
creddo.app/f/equipment-financing
SMB Borrowers
5 steps
3 fields
Draft
May 10, 2026
Publishing & sharing

Deploy the same flow across web, embed, and partner channels.

Share a link, embed your flow on your website, or launch branded partner portals in seconds. Every channel feeds the same workflow, policy, and data so you keep intake consistent across every sales motion.

Open the flow builder
Document Intelligence

Every document, understood.

Document detection

Scanned PDFs, phone photos, bank statements, W-2s. Creddo classifies every document regardless of format or quality.

Government-issued identification
JPEG · 1 page
Classified
W-2 wage statement
Faxed scan · 1 page
In review
Tax return · 1040
Digital PDF · 6 pages
Classified
Utility bill
Phone photo · skewed
Low confidence
Property deed
Scanned PDF · 2 pages
Classified
Pay stub · April
Phone photo · 1.8 MB
Classified
Bank statement
Scanned PDF · 4 pages
Classified
Government-issued identification
JPEG · 1 page
Classified
W-2 wage statement
Faxed scan · 1 page
In review
Tax return · 1040
Digital PDF · 6 pages
Classified
Utility bill
Phone photo · skewed
Low confidence
Property deed
Scanned PDF · 2 pages
Classified
Pay stub · April
Phone photo · 1.8 MB
Classified
Bank statement
Scanned PDF · 4 pages
Classified
Government-issued identification
JPEG · 1 page
Classified
W-2 wage statement
Faxed scan · 1 page
In review
Tax return · 1040
Digital PDF · 6 pages
Classified
Data extraction

Dates, amounts, employer names, account numbers. Structured data pulled from unstructured documents in seconds.

MERIDIAN BANK1 TableAccount StatementEveryday Checking · ••••0824 · 01–31 Mar 2026STATEMENT DATE01/03/2026ACCOUNT NO.•••• 0824CLOSING BALANCE$12,486.43ACCOUNT HOLDERMarcus Chen123 Ocean View Dr, Apt 4Los Angeles, CA 90001DATEDESCRIPTIONAMOUNTBALANCE02/27Direct Deposit — Acme+4,250.0016,736.4302/28Whole Foods Market−86.4216,650.0102/28Transfer to Savings−2,000.0014,650.0103/01Utility — ConEd−163.5814,486.4303/01Card Refund — Apple+128.0014,614.4303/02Subscription — Spotify−14.9914,599.4403/02ATM Withdrawal−112.0014,487.44Ending balance$12,486.43
Extracted Data
Reading
Target Data
0 Fields
Cross-check verification

Cross-check dates against tax years. Validate amounts against stated income. Flag expired or incomplete documents before you review.

Validation Checks
Validating…
Statement Date Validity
Checking…
Extracted
01 / 03 / 2026
Expected
Within 3 months of submission
Issued 68 days ago — within window.
Minimum Closing Balance
Checking…
Extracted
$12,486.43
Expected
≥ $25,000.00
Closing balance is $12,513.57 below the required minimum.
Address on Record
Checking…
Extracted
123 Ocean View Dr, Apt 4, Los Angeles, CA 90001
On Application
123 Ocean View Dr, Apt 4, Los Angeles, CA 90001
Exact match against application of record.
See how documents work

Documents chased. Applications qualified. Leads nurtured.

All before your first call of the day.

AI Agents

Two sides of AI, one connected loan.

Creddo's agents handle the thinking and the talking, analysing the file on the inside while nurturing the borrower on the outside.

AI-native loan analysis

Pre-qualifies, analyzes, and scores every loan application.

From instant loan pre-qualification to deep document analysis, Creddo reviews every application against your underwriting policy and returns a closability score, so your team works the deals most likely to fund first.

01 / 03

Instant loan pre-qualification

Screens every borrower against your eligibility rules, DTI, LTV, credit minimums, and income thresholds, the moment they apply, so unqualified leads never clog your pipeline.

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02 / 03

Deep document analysis

Reads applications, bank statements, and supporting documents, extracts the data points that matter, and cross-checks what borrowers claim against what their files actually show.

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A closability score for every deal

Turns the full analysis into a single, auditable closability score that ranks applications by how likely they are to close, so underwriters focus on the deals that fund.

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AI nurturing

Keeps every borrower moving, without a human in the loop.

From the first lead to the final signature, Creddo follows up, answers questions, and chases what's missing in the borrower's language and on their schedule.

01 / 03

Document chasing

Follows up on missing documents on a cadence you set, until the file is complete and ready to underwrite.

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02 / 03

24/7 borrower answers

Answers borrower questions any time of day, in their preferred language, with the context of their application.

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03 / 03

Stalled-applicant re-engagement

Spots applications going cold and re-engages borrowers before they drop out of the funnel.

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Applicant Portal
Applicant Portal

Their own space to get it done.

Every applicant gets a personal portal. Resume applications, upload documents, track status. Configured automatically with every flow you build.

Resume anytime

Applications auto-save. Applicants pick up exactly where they left off, on any device.

Add documents

Upload missing or updated documents directly from the portal. No email back-and-forth.

Track progress

Applicants see their application status, what's been verified, and what still needs attention.

Professional experience

A branded portal that signals to applicants they are working with a serious operation.

Who Creddo is for

One platform, every kind of lender.

From auto dealers to credit unions, Creddo adapts to the products you already offer and the policies you already trust.

Car loans

Decision auto applications in minutes, from dealer submission to funding.

Mortgages

Handle income, asset, and property docs at scale without losing the file.

Business loans

Read financials, weigh covenants, and route deals to the right credit owner.

Personal loans

Qualify, verify, and fund consumer applications with a fully digital flow.

Microfinance

Serve thin-file borrowers with lightweight intake and policy-aware decisions.

Credit unions

Modern origination for member-first lenders, without ripping out the core.

Frequently asked questions.

Start a 14-day free trial.

No credit card required. Cancel anytime.

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