AI for lending

AI for lenders, from credit memo to close.

Give your loan officers, credit analysts, and compliance staff the leading AI models, with guardrails built in. Borrower data is redacted before it leaves the desktop, and every prompt is on the record.

Talk to us See the loan application use case
Guardrails and productivity

Deliver leading AI assistants in line with the CFPB, OCC, HUD, FINRA, DFPI, FHFA, and more.

  • A secure data perimeter for every AI request
  • 200+ prompts written for lending professionals
  • On-device redaction of borrower data
  • Private audit trail with recorded audit access
ChatGPT Claude Copilot Gemini Grok Perplexity Open Models Custom Models
Trusted by leading institutions
Granite State Credit Union Launch Credit Union Peoples Bank APL Federal Credit Union First National Bank of America Sprucegrove Investment Management Currie Insurance Group Mid-Rivers Ramaco Resources
Lending & credit

The jobs AI does in your lending department.

Start where your analysts and loan officers lose the most time. Each solution ships with lending prompts and the controls your security team approved.

All banking departments
Credit

Loan applications and credit memos

Summarize loan applications so applicants get next steps before they leave the branch, analyze financial statements, and draft credit memos, with your staff reviewing every conclusion.

Loan application pre-review
Origination

Prospecting and relationships

Research prospects, prepare for borrower meetings, and write clear client reports and follow-ups, using prompts tested on real lending work.

Prompt library
Compliance

Compliance and audit prep

Summarize regulatory guidance, prepare for audits, and draft responses faster, with every prompt logged for review.

Audit response drafting
The platform

Data guardrails and prompts built for lending.

Data perimeter

Keep borrower data inside your perimeter.

Deploy AI assistants into your own cloud so that sensitive data never leaves the security perimeter you define.

  • Keep sensitive data on your network
  • Block or filter requests that cross your data boundary
  • Keep sensitive data on-device where possible
AI on your network
Prompt library

200+ prompts written for lending professionals.

Your loan officers don't start from a blank box. Every prompt is designed and tested for lending work.

  • Product management research
  • Loan officer prospecting
  • Compliance and audit prep
  • Relationship management
  • Client reporting and communication
Prompt library
Data loss prevention

Redact sensitive data before it reaches a model.

Sensitive data is detected and redacted on the device, before it goes into any AI model. Protect your team with 20x safer prompting.

  • On-device detection, before anything is sent
  • Works across every model in the portal
Data loss prevention
AI use policy

Turn your AI use policy into enforced rules.

Go from a policy on paper to real-time policy enforcement and staff training on the same rules.

  • Which models are allowed, and for whom
  • What data may be sent
  • Training that matches what the portal enforces
AI use policy template
A loan officer meeting with a couple about a loan
Audit trail

Every prompt on the record.

Keep historical prompt records for your audits and compliance reviews.

  • Private prompt logs with recorded audit access
  • User, group, and policy-level permissions
  • AI prompt categorization and flagging
  • Designed to meet financial regulatory requirements
Security & compliance
Access & SSO

Financial-grade login, not consumer accounts.

Consumer tools like chatgpt.com and copilot.com allow access when logged out. MultiModel runs through the single sign-on you already trust.

  • Use your existing financial-grade SSO
  • Provision AI assistants per user, group, and policy
  • Policy rules by geo-location, IP range, and more
AI guardrails
Deployment

Host it on your network.

Host your AI portal and, where possible, the AI models on your own secure network.

  • Keep sensitive data within your secure cloud
  • Deploy your own ChatGPT models on Azure
  • Stricter filtering for external (SaaS) AI than for self-hosted AI
Estimate Azure model costs
Cloud platforms MultiModel can be deployed on
Regulatory readiness

Ready for the questions regulators ask about AI in lending.

You answer to several regulators at once. Here is how MultiModel helps you show AI is governed.

Security & compliance
How is AI use governed?Governance
Your AI use policy becomes rules in the portal, and your staff are trained on the same policy.
How is borrower information protected?Consumer data
Sensitive data is redacted on the device before prompts are sent, and the portal can run inside your own network.
Who can use AI, and what did they do with it?Access & records
Access runs through your SSO by user, group, and policy. Private prompt logs record usage, and every audit access is recorded too.
CFPB HUD FHFA FDIC FINRA California DFPI New York DFS FTC NIST AICPA SOC
Customers

Trusted by credit unions and lenders

“We are very happy with our MultiModel experience. They have made staying on top of AI easy and simple for our team.”
Marie WhiteCIO, APL Federal Credit Union
“The AI portal allows employees to use and test GenAI capabilities in a sandboxed and controlled space rather than circumventing company policies and controls. Our experience has been fantastic.”
Candice SmartEVP, Information Security, CBS CUSO
“We chose MultiModel for its financial-grade security, prebuilt prompts for financial institutions, and centralized AI portal that lets us safely operationalize generative AI across routine business processes.”
Angie CrosbyVP, PMO, Launch Credit Union
FAQ

AI for lending: FAQ

Straight answers for CIOs, CISOs, and compliance officers evaluating AI.

Talk to us
What lending work can MultiModel help with?

Your lending team can use MultiModel for loan application pre-review, credit memo drafting, financial statement analysis, and borrower and counterparty due diligence, plus the day-to-day work around a loan: loan officer prospecting, relationship management, client reporting and communication, product research, and compliance and audit prep. See loan application summaries for a worked example.

How is borrower data protected when our staff use AI?

Sensitive data such as account numbers, SSNs, and other personal information is detected and redacted on the employee's device, before a prompt is sent to any model. The portal, and where possible the models, can run inside your own network or cloud tenant, and you can apply stricter filtering to external SaaS models than to models you host yourself.

Which regulators is the platform designed around?

MultiModel is built so you can adopt AI in line with the expectations of the CFPB, OCC, HUD, FINRA, DFPI, FHFA, and other regulators: a written AI use policy enforced at the prompt, controlled access, protected customer data, and word-for-word records of AI use.

Can we show examiners and auditors how AI was used on a file?

Yes. Private prompt logs keep historical records for your audits, access to those logs is itself recorded, and prompts are categorized and flagged so your compliance team can focus on what matters. Permissions can be set at user, group, and policy level.

We're a bank or credit union. Is there a broader page for us?

Yes. Lending is one of six departments we cover at your bank or credit union. See AI for banks and credit unions for member service, compliance, operations, and the rest, and start from our AI use policy template.

Which AI models can our loan officers and analysts use?

ChatGPT, Claude, Microsoft Copilot, Gemini, Grok, and Structured AI Assistants, all behind one login. You decide which groups get which models. You can also deploy your own ChatGPT models on Azure.

Talk to an expert on AI in lending.

Bring a credit memo, a due diligence checklist, or your AI use policy. We'll show you how it runs inside your perimeter, with the controls your regulators expect.

Talk to us