LoanLine
Concept
LoanLine is a ZDR-compliant voice agent that answers inbound loan and credit applications for credit unions and community lenders, conducts the intake interview by phone, and turns the conversation directly into a structured application record ready for underwriting — no re-keying, no lost after-hours callers, no web form drop-off.
Why voice, why now
Loan applicants calling a credit union are often doing so precisely because they don't want a long web form — they're driving, working a shift, older, or in a stressed cash-need moment. Today those calls either wait for a live agent or go to voicemail after hours, and everything spoken gets manually typed into the Loan Origination System (LOS) later. Newly shipped infrastructure (LiveKit's PII redaction and Zero Data Retention handling, OpenAI's ZDR-eligible frontier models) finally makes it compliant to let an AI agent handle SSNs, income, and account details on a live call — something that was a legal non-starter six months ago.
How it works (MVP)
- Applicant calls a dedicated LoanLine number; a natural-sounding voice agent runs a scripted, compliant interview (identity verification, employment, income, existing debts, loan purpose/amount) and delivers required verbal disclosures.
- Call audio and transcript are processed through PII redaction and Zero Data Retention pipelines before any storage.
- The conversation is parsed into a structured record matching common LOS field schemas (income, DTI inputs, requested terms) and exported via API/CSV.
- An auto-drafted one-page application summary is generated for the loan officer, who reviews, edits, and approves — the officer remains the signer of record.
- A lightweight web dashboard lets lending staff review flagged calls, play back redacted audio, and correct extracted fields before submission to underwriting.
Unique selling points
- Voice-first captures applicants that screens lose — after-hours, on-the-go, or form-averse callers.
- Data refinery backbone means the product is judged on field accuracy and LOS integration, not conversational polish.
- Human-in-the-loop summary keeps compliance and final judgment with a licensed officer, easing adoption at risk-averse lenders.
- Built almost entirely on off-the-shelf ZDR/PII-redaction voice infra, making it realistic for a two-to-three person team to ship a working pilot with one credit union in weeks.
First customers
Small and mid-size credit unions and community lenders who currently take phone/in-branch applications and re-key them by hand — an easy, measurable time-and-error win to pilot before expanding into auto and personal loan verticals.
