Sonar Apex · AI software for mortgage lenders
AI mortgage software that works your loan files for you.
Sonar Apex automates mortgage processing and underwriting with AI agents that read every document, underwrite to your guidelines, and clear conditions. Run it as your complete system, or on top of the LOS you already have.
8+ years building the platform
Works on top of any LOS with an API
Every type of mortgage
People make every final decision
SOC 2 Type II
Lending volume moves with rates. Your staffing can't.
Volume swings faster than you can staff.
When rates drop, applications can multiply in weeks. Hiring and training processors takes months.
People are the cost.
Hiring, training and retaining mortgage staff is expensive. Layoffs when volume falls cost you again, in money and in reputation.
Manual work is the bottleneck.
Files wait in queues for someone to read a document or chase a condition. Borrowers feel every day of it.
Three things happen on every loan.
01
It reads the file and underwrites the loan.
Application, credit, income, assets, collateral. Every document is read and checked against the program guidelines, and you get a complete underwrite with conditions.
02
It builds the list of everything needed to close.
Every condition, missing document, verification and disclosure, in order and assigned.
03
It does the work. Your team reviews it.
Apex chases documents, clears conditions and assembles packages. What needs a person's judgment goes to the right person with the context attached.
See these three steps on one of your own loan files.
Request a demoStandalone, or on top of your LOS.
As your full suite
One system from application to closing.
Point of sale, loan origination, documents, underwriting, conditions, closing and compliance, built to work together with AI running through all of it.
On top of your LOS
Keep your core system. Add the AI.
Apex works with any LOS that has an API. Start with one part of the process, see the results, and expand from there. Nothing gets ripped out.
Every type of mortgage
AI agents assist every role: loan officers, processors, underwriters, closers and compliance.
Your people make the decisions. Everything is on the record.
The AI underwrites to your rules and guidelines.
Your team signs off on every underwrite and credit decision.
Every action the AI takes is logged and auditable.
SOC 2 Type II. By default, your data never leaves the United States.
Questions lenders ask
Do we have to replace our LOS?
No. Apex works on top of any LOS with an API. It can also run as your complete system if you want one.
Who makes the credit decision?
You do. Apex does the work and your underwriters review and sign.
Which loan types does it handle?
Every type of mortgage, including non-QM, portfolio and HELOCs.
Can we try it before committing?
Yes. We are happy to prove Apex out with a pilot on your own loans.
How is it priced?
On loan volume, not seats.
See Apex work one of your loan files.
Tell us how you run today and we'll show you Apex on a real file.
A 30-minute call with our team.
Sonar working a real loan file, not slides.
A plan for your deployment, with timing and pricing.