Ocutus reads every document in a loan package and checks it against itself — URLA against paystubs, credit report against liabilities, bank statements against declared assets. Then it runs the file against published Conventional, FHA, VA, and USDA rules (LTV and CLTV ceilings, DTI caps, credit-score minimums, FHA anti-flip seasoning, seller-contribution limits, identity-of-interest caps, PACE liens, leasehold terms, MIP math) and screens for fraud signals — undisclosed liabilities, unexplained deposits, occupancy conflicts, employment gaps. You get back the exact list of red flags an underwriter would kick the file back for, plus what's missing from the file entirely. Minutes after upload, not days after submission.
“The best processors are already stretched across twenty files. One missing form, one mismatched number, and the client who thought they were done gets a call a week before closing.” — the moment Ocutus is built to prevent
Most stips that stall a closing don't come from a borrower who can't qualify — they come from document errors, math that doesn't reconcile, or a page that never made it into the file. That's a review problem, not a credit problem, and it's exactly the kind of problem a machine is good at catching before a human ever has to.
Ocutus doesn't underwrite your loan. It runs the same cross-document consistency and guideline checks a sharp processor would, at machine speed, so the file that reaches your processor — or the lender — is already clean. Fewer round trips, faster closings, happier clients who refer more business.
High-level look at what runs behind every submission — enough to trust it, not a blueprint.
Every number that should agree across your URLA, income docs, credit report, and assets is checked automatically, with the exact source cited for each mismatch.
A bottom-line read against published Conventional, FHA, VA, and USDA eligibility guides — the blocking issues worth knowing about before the file goes further.
Flags what the file is missing, not just what's wrong with what's there — the gap most audit tools skip.
Undisclosed liabilities, occupancy conflicts, and other patterns worth a second look, surfaced alongside the rest of the findings.
A clean, shareable report of every check run and every result — the artifact that travels with the file.
Self-serve signup, no procurement process, no IT ticket. Upload a package and get a result the same day.
Every loan package has a permanent delete option that does what it says — the documents, the extracted data, and the analysis are gone, immediately, no support ticket required. Your workspace, your data, your decision.
See exactly what a clean-file review looks like before you commit to anything.