Agentic LOA
AI loan officer assistant
Aila is the agentic AI loan officer assistant for mortgage teams. It owns the file after the call — MISMO 3.4 1003s, a living borrower record, and doc work — not a chatbot and not another CRM tab.
From $50/mo/user · 7-day free trial
Trusted by top mortgage companies
The LOA role
What an AI loan officer assistant actually does
A loan officer assistant does the file work between “the borrower hung up” and “this file can move.” An AI loan officer assistant does that same job after every call, in the stack you already use.
Step 1
Sit in on the borrower call
Aila listens in the background on the phone, dialer, or meeting tool you already use. You run the conversation. The assistant captures the file facts.
Step 2
Write the 1003 on hang-up
When the call ends, Aila generates a FNMA-compliant MISMO 3.4 Form 1003. Export it for one-click import into Encompass, LendingPad, ARIVE, or any LOS that takes a 1003.
Step 3
Keep one living borrower file
Calls, messages, documents, and CRM status sit in one record. You see requested, received, missing, and next action without hunting across systems.
Step 4
Chase and check documents
Adaptive checklists and follow-ups you approve before send keep collection moving. Inbound docs are checked for the right borrower, period, and pages — with income calculated from the accepted stack.
Not a chatbot. Not a CRM.
Built for the loan file, not a prompt
Chat tools wait for a question. Generic CRMs wait for you to type. Aila’s AI loan officer assistant works the file after the conversation — the LOA role that usually eats the afternoon.
Primary job
Chatbot
Answer questions in a chat window
Generic CRM
Store contacts, notes, and pipeline stages
Aila AI LOA
Do LOA file work after every borrower conversation
Mortgage output
Chatbot
Generic text you still paste into the LOS
Generic CRM
Fields and tasks you still fill by hand
Aila AI LOA
MISMO 3.4 1003 files ready for LOS import
Where it runs
Chatbot
A separate tab you have to remember to open
Generic CRM
A system of record that waits for you to type
Aila AI LOA
In the background of phone, dialer, email, CRM, and LOS
Follow-through
Chatbot
Stops when the chat ends
Generic CRM
Tracks status if someone updates it
Aila AI LOA
Keeps the file moving — docs, status, and next actions
Capabilities
The agentic LOA stack
Automatic 1003 files, organized borrower data, doc collection on autopilot, and document analysis — wired into 20+ platforms.
MISMO 3.4
Automatic 1003 files
Turn borrower calls into 3.4 files on hang-up.
Jennifer Walsh
Inbound purchase
Hi, thank you for calling Aila Mortgage. How can I help you today?
Form 1003
MISMO 3.4
Turn every call into an application. One click export to any LOS.
Source of Truth
Organize borrower data
Connects your phone, email, CRM, LOS, GPT.
Maria Garcia - purchase file
Living borrower record
Chase Borrowers
Coming Q4 2026Doc collection on autopilot
Adaptive checklist, automated follow-ups.
File checklist
0 / 4 receivedHi Maria - your file is almost complete! Last thing: your March bank statement (all pages). Reply here and I’ll take care of the rest.
Document Analysis
Coming Q4 2026Extract every doc
Calculate income, verify completeness.
Inbound documents
analyzed on arrivalQualifying income
$7,083 / mo
W-2 + pay stubs · cross-checked
calculated by Aila
Built for mortgage
Who an AI loan officer assistant is for
Aila is not a generic call-scoring add-on. It is an AI loan officer assistant for loan officers and the teams that support them. For the broader agentic-AI loop, see AI agents for mortgage.
Loan officers
Take the borrower call. Hang up to a ready 1003 and a clearer next step instead of re-keying the conversation into the LOS.
Mortgage teams and brokerages
Give every LO the same agentic LOA workflow — from discovery call toward pre-approval — without hiring more file work.
Ops and production leads
Standardize how files get built, how docs get chased, and how status stays visible across the stack you already use.
“Aila has made our company faster, allowed for an easier experience for clients and employees, at an extremely affordable price.”
FAQ
AI loan officer assistant — common questions
What is an AI loan officer assistant?
An AI loan officer assistant is software that does loan-officer-assistant work after a borrower call: it captures what was said, builds a MISMO 3.4 Form 1003, keeps a living borrower file, and helps collect and verify documents. Aila is built for that job for mortgage teams.
How is an AI loan officer different from a chatbot?
A chatbot waits for a prompt and returns text. An AI loan officer assistant takes action on the file after hang-up. Aila does not live in a chat tab. It runs in the background of the call, then produces a 1003 and next-file steps.
Does an AI loan officer assistant replace my CRM or LOS?
No. A generic CRM stores contacts and pipeline. Your LOS is still the system of record for the loan. Aila connects to both — including CRMs like GoHighLevel, Salesforce, HubSpot, and Bonzo, and LOS platforms that import a 1003 such as Encompass, LendingPad, and ARIVE — so the file stays current without a migration.
What does Aila produce after a borrower call?
On hang-up, Aila generates a FNMA-compliant MISMO 3.4 Form 1003 you can export into your LOS. It also keeps a living borrower record with requested, received, missing, and next-action status, and can chase and check documents on Pro.
Who is Aila's AI loan officer assistant for?
Aila is for loan officers and mortgage teams that want an agentic LOA from discovery call to pre-approval. It is not a generic call-scoring add-on and not a replacement for the loan officer.
How much does Aila cost?
Basic is $50 per user per month (or $500 per user per year) with a 7-day free trial, unlimited calls, and unlimited 1003 exports. Pro adds living borrower file depth, doc collection on autopilot, and document analysis. Enterprise is available for larger rollouts.
How do I try an AI loan officer assistant?
Start a 7-day free trial at app.aila.fyi/signup, book a demo at withaila.com/demos, or email sales@withaila.com.
Put an AI loan officer assistant
on your next borrower call.
Start a 7-day trial, book a demo, or email sales@withaila.com.
Also see AI agents for mortgage, what AI agents for mortgage are, integrations, and customer stories.