Application Intake
1003s, tax returns, W-2s, pay stubs, bank statements — manually keyed into Encompass, one field at a time.
Financial Services
Automate loan processing.
From application intake to underwriting submission, Retab extracts, validates, and routes documents through your loan lifecycle — with configurable rules for agency guidelines, internal overlays, and file readiness checks.
The Problem
Every loan runs on documents. Most of the work is still manual.
Across disclosure, setup, processing, and underwriting, your team reads, keys, validates, and cross-checks documents by hand. These are all automatable.
Income & Asset Verification
Cross-checking deposits against statements, reconciling income sources against W-2s and tax returns — all done line by line with no automated consistency checks.
Agency Guideline Compliance
Fannie Mae, Freddie Mac, FHA, VA — each with different requirements. Your team manually checks documents against the right guideline set for each loan.
File Readiness & Quality Gates
No standardized check before files move to underwriting. Incomplete or low-quality files get submitted, causing conditions and rework.
Missing Docs & Qualification Flags
Income inconsistencies, missing documentation, incorrect calculations — discovered by underwriters instead of caught during processing.
Rule Maintenance
Agency guidelines change quarterly. Internal overlays evolve. Every update means retraining staff and hoping nothing falls through the cracks.
Case Study
How a national lender cut 5-7 days off every closing.
Application packets — 1003s, tax returns, W-2s, pay stubs, bank statements, purchase contracts — all manually keyed into Encompass, validated against whichever guidelines the processor remembers, and submitted to underwriting with no standardized quality check.
Today
- Every document manually keyed into Encompass
- Processors check guidelines from memory — inconsistent across team
- No automated file readiness check before underwriting submission
- Income inconsistencies and missing docs caught by underwriters, not processors
With Retab
- Auto-extract and key directly into Encompass
- Configurable validation rules per agency (Fannie, Freddie, FHA, VA) plus your internal overlays
- Automated file readiness gate — files must meet a quality threshold before advancing
- Income inconsistencies, missing docs, and calculation errors flagged before underwriting
Impact
- off every closing
- 5–7 days
- qualification issues flagged
- Day 1
- incomplete files reaching underwriting
- Zero
Retab Platform
From process to automation.
Describe the loan process once, then refine how Retab extracts, validates, routes, and monitors every application packet.
Describe your process. Retab automates it.
Upload a few sample application packets and explain how your team processes them today: which fields matter, what rules you check, what gets flagged. Retab builds the automation and connects directly to Encompass — no middleware, no manual handoff. You can then iterate by explaining changes or by manually tweaking the parameters.
Results
“We went from every document being manually keyed to automated extraction with cross-document validation. Errors that used to surface a week into processing are now caught at submission.”
Head of Operations
VP of Mortgage Operations
National Mortgage Lender
“Retab started as our invoice processing tool. Within months, our CFO was using it for accounts payable and other teams picked it up for their own document workflows. It spread organically across the entire company.”
Engineering Lead
Head of AI
UK Fintech
Security
Enterprise-grade security
Industry-leading document processing without compromising trust.
SOC2 Type II
Audited controls for secure document operations.
HIPAA
Workflows designed for protected health information.
CCPA
Privacy controls for sensitive customer data.
GDPR
Data handling patterns for regulated EU workflows.
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