Fenero

Every mortgage has a messy middle, between getting a lead and getting it underwritten: income analysis, credit and DTI, scenario modeling, pricing, compliance. It is slow, manual, and where deals die. Complex self-employed files take days to weeks, and most of that work still happens in spreadsheets.

Fenero is not OCR. It reads W-2s, 1099s, tax returns and bank statements the way a skilled processor does, and reasons through income, guidelines and risk.

Loan Officer Assistant

Income, credit and DTI in minutes across Fannie, Freddie, FHA, USDA and non-QM. Scenario modeling without restarts. Lender-ready Excel. An income optimizer that finds qualifying paths the loan officer missed.

Quick Check

Pre-approval intelligence at the point of sale, integrated into the loan origination system. Underwriting-ready from day one, full audit trail. Planned.

Autonomous Loan Processor

Application to close, agentic across the whole lifecycle, with custom LOS, title and escrow integrations. Enterprise, by engagement.

Fenero Platform

White-labeled experiences: the originator’s brand, our intelligence, compliance out of the box. Planned.

Liability for an AI output lands on the lender, not the vendor. State regulators, the GSEs and privacy rules now expect disclosure, safeguards and governance around every automated decision. So every Fenero output ships traceable and audit-ready, backed by a cryptographic proof certificate. Verification replaces trust.

Loan officers

Pre-qualification on the first call. Speed wins referrals, and every output is traceable, so the license is protected by design.

Mortgage brokers

Same team, more files. When an investor asks how you got the number, the answer is one click.

Credit unions

Big-bank AI without the compliance headcount. Governance documents pre-packaged.

Non-bank originators

Lower cost to underwrite, and a file that clears the box. Confidence to take the complex-income loans turned away today.

• No GSE rep-and-warrant relief. That relief is real, and it belongs to other tools on clean agency files. Fenero is for the rest of the book: bank-statement, multi-entity, 1099 and DSCR files.
• It does not replace the loan officer or the underwriter. It frees them. The decision stays with a licensed person.
• Nothing planned is described as shipped. Statuses above are the statuses.