MyLOA automates borrower intake via SMS, voice, email, and mobile — delivering structured, compliant loan files to licensed loan officers so they can focus on closing.
The Centaur AI Engine handles the entire intake journey — compliantly, automatically, across every channel.
Via SMS, voice call, email, or mobile app — MyLOA meets borrowers where they are with instant, intelligent response.
The Centaur AI Engine guides borrowers through a structured intake flow, extracting and validating all required loan data.
TCPA consent, RESPA disclosures, and community property protocols are enforced automatically before any data is processed.
A clean, structured loan file — verified, organized, and ready for review — lands in the licensed LO's queue. The AI never underwrites.
Every feature designed around the reality of how loan officers work — and how regulators expect them to.
Staged prompt architecture with dual-track field extraction and monotonic confirmed-state registry for accurate, reliable data capture.
TCPA-gated outreach, RESPA-filtered responses, ECOA-aware intake — and a hard wall separating AI intake from underwriting decisions.
Real-time pricing via Optimal Blue PPE integration with multi-scenario comparison and automated compliance disclosure generation.
Rate lock tracking with color-coded urgency, closing PEWC consent tracking, and full borrower status visibility for LOs and management.
Adaptive voice persona with borrower sophistication detection — speaks the borrower's language, not mortgage jargon.
Phase 2 Encompass REST API integration with push architecture, explicit LO approval before any write, and full ICE compliance by Dec 2026.
MyLOA is architected from the ground up around regulatory compliance. The Centaur AI Engine handles intake — licensed loan officers handle underwriting. Always.
MyLOA is currently in pilot with licensed loan officers. If you're a lender, mortgage broker, or technology partner interested in early access, we'd love to hear from you.
Contact Us† Patent Pending — USPTO Provisional Application Filed. 22 Claims. © 2026 MYLOA INC. All rights reserved.