MPWR's AI agents do 90% of the loan work so that your team can focus on decisions, not paperwork. MPWR runs the full lending lifecycle — engagement, file prep, portfolio monitoring, solution sell, and relationship deepening.
Trusted by community banks, credit unions, and CDFIs managing$500M-$5B+in assets.
Every configured MPWR action includes a policy citation and an auditable trail.
*Institution ranges reflect target customer profile and/or represented organizations. Controls, workflows, and implementation vary by institution.
*Illustrative platform capabilities and example workflow thresholds. Results, timelines, and configurations vary by institution.
MPWR maintains SOC 2 certification, end-to-end encryption, and immutable audit logs that capture every action, policy reference, and human decision automatically. Role-based access controls keep your data in the right hands, and every action ships with a policy citation so your compliance team is never scrambling when regulators arrive.
Every action, policy reference, and human decision is recorded automatically. No reconstruction needed.
Every hour your processors spend chasing documents is an hour they are not spending on borrower relationships, credit decisions, or growing your book. MPWR gives your team back those hours — not by replacing them, but by handling the repetitive prep work inside your policy.
Lending doesn't stop when the loan closes. MPWR runs the full lifecycle — from first borrower contact through deepening of relationships— with a family of specialized agents that share one policy spine.
Every loan starts with a mess of documents, missing data, and policy gaps. The Prep Agent handles intake, verification, and compliance checks — so your underwriters see clean files, not chaos.
Borrowers expect the speed and responsiveness of a fintech. Your team can't be on email 24/7. The Engagement Agent answers borrower questions inside your policy, day or night.
Legacy portfolio management is reactive. You find out a borrower is in trouble after the missed payment. The Portfolio Agent continuously monitors signals and surfaces risk weeks earlier.
Your existing borrowers are your highest-quality pipeline. They are already approved, already serviced, already known. The Growth Agent surfaces qualified opportunities to your team.
Scroll through a single borrower's journey. Every step shows the live artifact MPWR produced and the policy rule it followed.
A borrower asks about a $250K mortgage. The Engagement Agent answers inside your policy, captures intent, and books a discovery call.
The Prep Agent pulls bank statements, verifies identity, runs structured underwriting checks, and assembles a complete credit memo.
Your underwriter reviews the clean file, the exception, and approves with one structured counter-offer. MPWR records the full reasoning.
The Portfolio Agent detects a 22% decline in monthly cash flow. It flags the account, routes to the relationship manager, and drafts outreach.
The borrower's financials have stabilized and grown. The Growth Agent identifies a qualified personal line and routes it to the loan officer.
MPWR's agents runs the full lending lifecycle — engagement, file prep, portfolio monitoring, deepening relationship opportunities, built with compliance frameworks for examinar ready lending.
There is a critical difference between a tool that gives you information and a system that completes the job. MPWR does the work.
MPWR agents do not surface data for your team to interpret. They complete the job — file prepared, exception flagged, opportunity routed for decisioning.
Every action an MPWR agent takes is authorized by a specific rule in your credit policy. No agent improvises.
MPWR agents do not wait to be asked. The Portfolio Agent monitors. The Growth Agent surfaces. The Prep Agent assembles. Continuously.
Compliance is not a feature layer on top of MPWR. It is the architecture. Every action is logged, attributed, and examiner-ready by default.
Each agent is bound to your written policy and delivers a measurable outcome your board can see. Not features. Results.

"Cuts manual file review by up to 70%. Files arrive at underwriting complete, organized, and policy-checked — with exceptions already flagged and documented."

"Reduces borrower drop-off by responding to intake questions in under 60 seconds, any hour."

"Flags at-risk accounts days before a missed payment — when intervention still works."

"Surfaces qualified opportunities your team diden't have time to find — without a single cold call."
MPWR agents work inside your policy — not around it. Every action is traceable to a specific rule, and every exception is routed for human review.
Agents only act inside the rules you set. If a step is not authorized by policy, no agent takes it.
Every action shows the specific policy rule it followed — visible to underwriters, compliance, and examiners.
Human approval checkpoints are built into the workflow at every credit-impacting decision.
A clean, automatic record of every action, document, and decision — exportable on demand.
Anything outside policy is immediately routed for human review with full context attached.

Emma: I only act when your policy says I can. Every exception is routed to your team.
policy "consumer_dti" {
if dti > 0.43 then
flag("Exception: DTI")
route_to("Underwriter")
end
}
policy "ecoa_disclosure" {
on application_received do
send("Adverse Action Notice", within: 30.days)
end
}
Emma: I am policy-bound here — I will not draft the adverse action notice until your underwriter confirms the exception.
Every case shows what was collected, what was checked, what was missed, and what was escalated — in the format examiners expect.
Case LX-2418 · PDF · CSV · JSON
A case-level snapshot showing consent captured, disclosures sent, policy rules invoked, and exceptions routed for human review.
Case LX-2418 · PDF · CSV · JSON
The same case mapped to key regulatory review areas: ECOA/Reg B, FCRA, UDAAP, and Section 1071 applicability.
These reports show what MPWR surfaced and your recorded workflow status. Final regulatory determinations remain with your compliance team.
Direct integrations keep your core workflows moving. Residency access extends coverage when your policy requires additional providers.
Equifax
Plaid
MicroBilt
Experian
TransUnion
FICO
Pinwheel
Truv
Socure
Alloy
Persona
Dun & Bradstreet
LexisNexis
Enigma
ComplyAdvantage
nCino
ICE Encompass
Jack Henry
Fiserv
Dow JonesAdditional provider access is available through Fintech Sandbox Residency and is subject to residency availability, provider terms, and applicable licensing or commercial agreements. All trademarks, logos, and brand names are the property of their respective owners and do not imply endorsement.
Banks face a unique challenge: growing loan volume across multiple product lines while keeping examiner-ready evidence on every file.
Lending strategy, AI infrastructure, and operator experience across regulated systems.




From the first borrower question to the deeper relationship opportunity — MPWR runs it inside your policy, with your team in control.