Keldruxa AI brings borrower data, documents, financial verification, loan structuring, underwriting, closing, and compliance into one connected lending workspace. It uses AI to read documents, verify financial information, calculate loan scenarios, identify risk and policy issues, support underwriting decisions, reconcile final loan terms, and audit completed files helping mortgage teams make faster, evidence-backed decisions with fewer manual errors.
see the platformKeldruxa AI gives lending teams one command view of active mortgage operations. It monitors incoming applications, verification progress, underwriting workload, exceptions, closing risk, and AI confidence in real time—then highlights the loans, bottlenecks, and decisions that need attention first.
72%
ReviewreductionAI-assisted document extraction, reconciliation, and evidence checks reduce manual review effort.
96%
Lineagesource-linkedVerified values remain linked to source documents, calculations, and review history.
38%
ExceptionspreventedAutomated anomaly detection and policy checks surface inconsistencies before they move downstream.
2.4×
DecisionvelocityStructured evidence, lending calculations, and AI-assisted review help teams prepare files for decisions sooner.
Illustrative product metrics based on a representative Keldruxa AI workflow and sample lending data. Shown to demonstrate potential platform impact; these figures are not customer benchmarks or guaranteed performance results.
Finance moves differently in every field, with unique teams, workflows, documents, and decisions. Your tools should be built to work the way your industry does.
Keldruxa AI keeps borrower data, verified documents, loan calculations, underwriting decisions, settlement checks, and final assurance connected in one place. Each module performs a different lending task while carrying the same verified loan record forward, so teams can work faster without re-entering data or losing context.
swipe to see all 6 modules →
Brings borrower, property, income, asset, liability, declaration, consent, and disclosure data into one application flow. Intelligent checks help identify missing fields, conflicting information, duplicate records, and likely document requirements before the loan moves into verification.
Reviews uploaded income, asset, credit, and property documents to confirm the financial facts behind the application. Document intelligence classifies files, extracts values, checks completeness and freshness, reconciles discrepancies, and keeps each verified figure linked to its source evidence.
Uses verified borrower and property information to calculate LTV, DTI, payments, reserves, cash to close, and product eligibility. Scenario intelligence helps compare loan options, explain pricing impacts, and automatically recalculate affected values when important inputs change.
Brings credit, income, assets, liabilities, collateral, and transaction details together for formal lending review. Policy intelligence surfaces applicable guidelines, conflicting evidence, missing requirements, exceptions, and material changes that may affect the underwriter's decision.
Carries the approved loan into closing by checking final disclosures, documents, signatures, fees, and funding figures against the authorized terms. Automated reconciliation helps surface mismatches, unresolved requirements, missing execution items, and changes that may need additional review.
Examines the completed loan file across underwriting, disclosures, documentation, reporting data, and investor-readiness controls. Compliance intelligence identifies defects, classifies findings, traces root causes, and highlights recurring issues that can be prevented earlier in the lending process.
A connected lending workflow carries the same verified borrower and loan data from application through verification, underwriting, settlement, funding, and final assurance—reducing repeated work and keeping every major decision tied to its supporting evidence.
Capture borrower, property, income, asset, liability, consent, and supporting information in one place, while identifying missing or inconsistent details before the file enters verification.
Most lending software bolts on one generic model for every task. Keldruxa AI is an orchestration layer: each step in the lending lifecycle routes to the model that fits — document OCR, income verification, scenario structuring, underwriting citations, or private inference — while your desk keeps one evidence-backed loan record.
Tap a step to see why that model runs it
Pay stubs, W-2s, 1040s, bank statements and purchase contracts are OCR’d and parsed so income, assets, liabilities and terms land as structured fields with evidence links.
DOCUMENT OCR
Models classify mortgage files by document type, pull borrower declarations, pay periods and asset balances, flagging contradictions before verification starts.
INFERENCE PROVIDERS
Loan amounts, LTV, DTI, reserves, and cash-to-close are calculated across Fannie, Freddie, FHA and non-QM guidelines with rate-lock risk surfaced early.
GEMINI API
Decision findings are documented against regulatory guidelines with precise policy citations, and adverse-action notices are prepared if requirements fail.
ANTHROPIC MESSAGES API
Closing disclosures, title commitments and settlement sheets are embedded and cross-checked against approved terms for TRID fee tolerances.
EMBED & RERANK
Borrower PII, credit reports and private loan files stay on private inference for compliance Q&A and audit retrieval without leaving your secure perimeter.
PRIVATE DEPLOYMENT
Note: Model and provider names are illustrative of integration patterns; trademarks belong to their respective owners. Routing is configured per tenant and data boundary.
Keldruxa AI plugs into the LOS, pricing engines, AUS, credit bureaus, asset-verification services and doc providers your desk already runs. Pipeline, borrower documents, conditions and closing packages sync through governed APIs — without manual re-keying between systems.
Mandatory / Core Integrations: ICE Mortgage Technology / Encompass, Freddie Mac Loan Product Advisor (LPA), Fannie Mae Desktop Underwriter (DU), Equifax, Experian, TransUnion, Optimal Blue PPE, Polly, DocuSign, First American Title, PointServ. Optional / Extended Integrations: Salesforce, NetSuite, Byte Software, Calyx Point, Blend, Plaid, Finicity, LexisNexis Risk Solutions, CoreLogic, Black Knight / ICE Data Services, Snapdocs, Notarize / Proof, MERS, ServiceLink.
Note: Tool names and marks belong to their respective owners. No endorsement or partnership implied. Integration availability depends on existing systems, licences, API access, vendor approval, security configuration and implementation scope.
Keldruxa AI provides the controls, disclosure timelines and evidence auditability that support residential mortgage originators operating under TRID, ECOA, ATR/QM, HMDA, and FCRA mandates.
Tracks Loan Estimate and Closing Disclosure timing, versions, and delivery evidence.
Records lending decisions, adverse-action reasons, notices, and supporting evidence.
Supports repayment-capacity and QM checks using verified borrower and loan data.
Validates reportable mortgage data and maintains source-linked records for reporting.
Tracks permissible credit-report access and related underwriting or adverse-action workflows.
Keldruxa AI is engineered for full regulatory alignment with federal lending standards. Every calculation, disclosure timeline, and underwriting workflow generates defensible, audit-ready evidence records engineered for institutional compliance.
Note: These are standards the platform is built to support inside your workflows — obligations that fall on you as the licensee. They are not certifications held by us, and support in the product is not a substitute for your own counsel or compliance officer.
From first application through verification, structuring scenarios, underwriting, closing reconciliation and post-close assurance — Keldruxa AI keeps one loan record so every module reads the same governed context.
Catalogued for mortgage lending & financial-services workflows
Telemetry, evaluations, guardrails, human review, and a crew on call when a lending agent starts drifting — before disclosure, calculation or compliance issues reach your underwriters, borrowers or investors.
Financial-services agents are catalogued on Nestack Agents.
The companion kit that pairs with Keldruxa AI — every device streams into a named module, so a signature made in the room lands inside the platform as an attributed, timestamped record rather than another PDF in someone’s inbox.
FIDO2-compatible hardware security key for authorized lending staff. Adds strong sign-in protection for sensitive underwriting, settlement, compliance, and loan-record access while supporting a controlled audit trail.
Dedicated scanner for physical borrower and property documents such as paystubs, bank statements, tax records, agreements, and closing paperwork. Sends captured files directly into Verification for OCR, extraction, classification, and completeness checks.
Note: Hardware, installation, and integration are not included in the standard subscription. Additional charges apply based on the hardware selected, integration modules required, and implementation scope.
$200/mo
No per-seat arithmetic, no module gates, no charge for the processor who only opens the verification screen. One flat monthly figure for the whole platform. Talk to us about seats, document connectors and onboarding for your desk.
We scope your environment, connect your LOS, pricing engine and credit vendors, and train your team before your first month begins — onboarding fee set out below. To see Keldruxa AI against a slice of your own pipeline, book a walk-through.
A one-time setup that gets your lending desk fully live on Keldruxa AI before the first billing cycle — we import your open pipeline and closed loan history, connect the LOS, credit and asset-verification services your file already runs through, and configure the origination, verification, structuring, underwriting, settlement and assurance modules to your programs, disclosures and policy guide. Each fee below is a starting point: the final onboarding is scoped once we understand your environment, security needs, integrations, data volume, compliance obligations and deployment model.
Everything in Essential, plus:
Everything in Plus, plus:
Runs in Nestack’s managed cloud — nothing to provision. The fastest way to get your desk live and closing loans without standing up infrastructure.
The same platform deployed inside your own infrastructure — your cloud, VPC or on-prem — for lenders with strict borrower-data mandates. Loan files, credit pulls and closing documents never leave your environment, and your platform subscription stays the same.
The platform subscription is identical on either model; only the onboarding scope differs by your security, integration and deployment requirements.
No. Unlike legacy mortgage software that penalizes your desk as production grows, Keldruxa AI operates on a single flat monthly rate ($200/mo). Every underwriter, processor, closing coordinator, and manager gets full access to all six modules—from Origination to Post-Close Assurance—with zero per-file surcharges or per-seat fees.
Your price remains exactly the same. Whether your desk processes 20 files or 250 files during a purchase rush, your monthly rate never changes. You never have to worry about surprise end-of-month volume overage invoices or budgeting licenses for temporary loan processors.
Yes. Every calculation and underwriting recommendation cites the specific agency or investor guideline (Fannie Mae, Freddie Mac, FHA, VA) alongside source document coordinates. The platform creates an immutable, timestamped audit trail that meets CFPB, HMDA, and secondary market scrutiny.
Yes. Book a walk-through and our team will run Keldruxa AI against an anonymized slice of your actual loan files and guidelines before the first call, so you evaluate real pipeline extraction accuracy rather than an empty sandbox.
No. Subscriptions operate on a month-to-month basis with no long-term lock-in. If your operational needs shift, you can adjust or cancel your subscription at any time without punitive termination fees, and your archived loan records remain fully exportable.
Within the first two weeks. By automating manual document cross-referencing and surfacing guideline inconsistencies before underwriting submission, desks experience an average 72% reduction in initial verification cycle time and save 1.5 to 2.5 business days per loan file.
No. The platform acts as an intelligent acceleration layer alongside your existing LOS (Encompass®, Byte®, MeridianLink®, Calyx®) and pricing engines. Data and documents sync seamlessly without requiring a disruptive migration or manual double data entry.
Onboarding takes under 5 business days with zero custom engineering required from your internal IT team. Every subscription includes direct desk support from mortgage specialists, live team training for processors and underwriters, and same-day priority assistance.
