Ocrolus automates condition creation and management for mortgage lenders

New feature eliminates bottlenecks for consistent, confident underwriting and a faster, more predictable borrower experience

NEW YORK, Oct. 20, 2025 /PRNewswire/ -- Ocrolus, the AI-powered data and analytics platform for credit decisioning, today announced it is adding automated conditioning to its suite of products. This new solution helps mortgage lenders move faster, increase loan quality and reduce compliance risk. The capability, announced at the MBA Annual Convention and Expo, dynamically surfaces underwriting conditions within a structured, auditable system and powers their full lifecycle from identification through resolution.

Conditioning has traditionally been a manual and inconsistent process, requiring underwriters and processors to dig through documents, interpret guidelines and enter conditions manually into loan origination systems like Encompass. Automated conditioning builds on existing capabilities in Ocrolus Inspect, accelerating clear-to-close, minimizing human error and helping lenders deliver a faster, more predictable borrower experience. 

With this new feature, Ocrolus has automated identification and management of conditions in the three most frequent categories, including asset, income and credit, clearly displaying the origin and rationale for each. Ocrolus plans to deliver additional capabilities in later phases of the product, including lender controls, Encompass sync and full-loop automation.

"Automated conditioning eliminates one of the biggest bottlenecks in mortgage origination," said Nadia Aziz, General Manager of Mortgage at Ocrolus. "By applying AI to one of the most complex parts of mortgage underwriting, we're helping lenders move from reactive checklists to proactive intelligence - ensuring every loan is reviewed faster, more consistently, and with greater confidence. It's a leap forward for lenders and a better experience for borrowers."

With automated conditioning, lenders have the tools to edit, waive or mark conditions with full visibility and control and can customize condition templates to fit their organization's processes. The solution also seamlessly integrates with Encompass so conditions can be imported directly along with placeholders for missing documents.

To learn more about Ocrolus' AI-powered data and analytics for mortgage lenders, or to schedule a demo, visit www.ocrolus.com. 

About Ocrolus
Ocrolus is an AI-powered data and analytics platform that enables financial institutions to make faster, more accurate decisions. The company analyzes documents with over 99% accuracy regardless of format or quality, supporting a wide variety of document types including bank statements, pay stubs and tax forms. Ocrolus provides over 400 customers with a trusted solution to classify documents, analyze cash flows and income and detect fraud. To learn more, visit Ocrolus.com.

SOURCE Ocrolus