🏦 Automate Credit Decisions
Drop in a CSV or JSON file of loan applications — or paste data manually — and receive consistent APPROVE / DECLINE / REFER decisions with complete examiner-grade explanations in seconds.
Supports CSV, JSON, JSONL, TXT · Max 2 MB
Click a sample to load it into the evaluation tab, then click Evaluate Applications.
🏠 Mortgage — Mixed Portfolio
3 mortgage applicants: strong approval, borderline refer, and high-risk decline.
🚗 Auto Loan — Mixed Portfolio
3 auto loan applications with varying credit scores and DTI ratios.
💼 Business Loan — SME
Two small business loan applications with revenue and collateral data.
👤 Personal Loan — Mixed
Personal loan applicants with recent derogatory history and thin credit files.
📥 Download CSV Template
Use this template to prepare your own loan application batch.
How It Works
1. Upload Data
Drop a CSV or JSON file of loan applications, or paste data directly. Supports mortgage, auto, personal, and business loans.
2. AI Analysis
GPT-4o applies your institution's underwriting policy — credit score thresholds, DTI limits, LTV ratios — consistently across every application.
3. Decision + Explainability
Each application receives APPROVE / DECLINE / REFER with a risk score, key factors, DTI/LTV ratios, and a full examiner narrative.
4. Audit Export
Export a full audit report with all decisions, conditions, regulatory notes, and portfolio-level recommendations — ready for examiner review.