For Banks · Credit Unions · Alternative Lenders · CDFIs

Policy-bound agentsfor lending.

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.

Underwriter File · Live
Case LX-2418 · $250K Mortgage
POLICY BOUND
Engageactive
Engagement Agent
Borrower intake · live
Originateactive
Prep Agent
File preparation · running
Monitorpending
Portfolio Agent
Risk monitoring · queued
Growqueued
Growth Agent
Cross-sell signals · queued
Policy Citations · Live
  • consumer_dti · within 0.43
  • ecoa_disclosure · sent 03/12
  • kyc_identity · verified · Socure
  • covenant_cash_flow · exception → underwriter
Audit Hash
0x9c4a · f73e · 21bb

Trusted by community banks, credit unions, and CDFIs managing$500M-$5B+in assets.

SOC 2 TYPE IIFFIEC-ALIGNEDCFPB-AWARESR 11-7 MODEL DOCSBANK-GRADE DATA RESIDENCY

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.

24/7
Borrower status updates
and document follow-ups
30 DPD
Delinquency alerts
routed by policy
30 day
Implementation Target*
 with your policy and SOPs
0%
Policy citation coverage
on configured actions

*Illustrative platform capabilities and example workflow thresholds. Results, timelines, and configurations vary by institution.

Enterprise-Grade Security & Compliance

The Audit Trail Is Already Built. Examiner Ready.

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.

SOC 2 certification
Immutable audit logs
Policy citations on every action
End-to-end encryption
Role-based access controls
Examiner-Ready

Every action, policy reference, and human decision is recorded automatically. No reconstruction needed.

Your Team Is Spending Too Much Time on Work That Shouldn't Require a Human.

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.

Without MPWR
With MPWR
Chasing documents over email
Structured intake from day one
Policy checks done differently by different people
Same policy applied to every file, every time
Borrowers waiting days for status updates
Instant, automated borrower communication
Portfolio risk found after a missed payment
Early warning flags weeks in advance
Cross-sell opportunities buried in spreadsheets
Qualified pipeline surfaced to your team
Audit notes pieced together after the fact
Examiner-ready evidence on every file

Intelligence Across the Entire Loan Lifecycle.

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.

ORIGINATION

Clean Files. Fast Decisions. Zero Compliance Gaps.

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.

Automated document collectionPolicy-bound checksException flagging
ENGAGEMENT

Your Borrowers Get Instant Answers. Your Team Gets Their Time Back.

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.

24/7 borrower communicationDocument follow-upsStatus updates
RISK MANAGEMENT

See the Risk Before It Becomes a Default.

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.

Continuous monitoringEarly warning signalsCovenant tracking
GROWTH

Your Best Next Loan Is Already in Your Portfolio.

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.

Eligibility monitoringProduct-fit analysisOpportunity routing

One borrower. One relationship. Multiple agents solving end-to-end solutions.

Scroll through a single borrower's journey. Every step shows the live artifact MPWR produced and the policy rule it followed.

01Day 1 · Engagement
Engagement Agent · running

First Contact

A borrower asks about a $250K mortgage. The Engagement Agent answers inside your policy, captures intent, and books a discovery call.

within policy
Engagement Thread · LX-2418
Live
Borrower
Looking at $250K mortgage approval. What rates can you offer?
Emma
Within your area financing typically runs prime + 1.75-3.25%. I can book a 15-min call with your team.
02Day 3 · Origination
Prep Agent · running

File Preparation

The Prep Agent pulls bank statements, verifies identity, runs structured underwriting checks, and assembles a complete credit memo.

1 exception flagged · within policy
Credit Memo · Assembled
Live
  • Bank statements · 24 mo · Pass
  • Identity · Socure Pass
  • DTI · 0.31 / 0.43 Pass
  • Cash flow trend Exception
03Day 5 · Decision
Your Credit Team · human decision

Credit Decision

Your underwriter reviews the clean file, the exception, and approves with one structured counter-offer. MPWR records the full reasoning.

human final decision · recorded
Decision Workspace · LX-2418
Human
Emma's recommendation
$215,000 · 30 yr · 6.25% APR
Counter-offer prepared
Reasoning, citations, and exception thread attached. Final decision: your underwriter.
ApproveCounterDecline
04Month 6 · Risk
Portfolio Agent · monitoring

Risk Signal Detected

The Portfolio Agent detects a 22% decline in monthly cash flow. It flags the account, routes to the relationship manager, and drafts outreach.

early warning · within policy
Portfolio Signal · LX-2418
Alert
Cash flow
−22%
last 90 days
Routed to relationship manager · outreach drafted · audit logged.
05Month 14 · Growth
Growth Agent · opportunity

Sollution-Sell Opportunity

The borrower's financials have stabilized and grown. The Growth Agent identifies a qualified personal line and routes it to the loan officer.

qualified opportunity · within policy
Growth Pipeline · LX-2418
Live
Qualified opportunity
Personal line · $150K
94% policy fit · routed to loan officer
Eligibility
Pass
Capacity
Pass
Concentration
Within

MPWR's agents runs the full lending lifecycle — engagement, file prep, portfolio monitoring, deepening relationship opportunities, built with compliance frameworks for examinar ready lending.

MPWR Is Not a Chatbot. It Is Not a Dashboard. It Does the Work.

There is a critical difference between a tool that gives you information and a system that completes the job. MPWR does the work.

Outcome-Based, Not Information-Based.

MPWR agents do not surface data for your team to interpret. They complete the job — file prepared, exception flagged, opportunity routed for decisioning.

Policy-Bound, Not Autonomous.

Every action an MPWR agent takes is authorized by a specific rule in your credit policy. No agent improvises.

Action-Oriented, Not Passive.

MPWR agents do not wait to be asked. The Portfolio Agent monitors. The Growth Agent surfaces. The Prep Agent assembles. Continuously.

Compliance-First, Not Compliance-Adjacent.

Compliance is not a feature layer on top of MPWR. It is the architecture. Every action is logged, attributed, and examiner-ready by default.

Meet Emma. The P&L outcomes lenders actually measure.

Each agent is bound to your written policy and delivers a measurable outcome your board can see. Not features. Results.

Prep Agent
Loan file preparation and policy verification
Prep Agent

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

Automated document collectionPolicy checkException flaggingAudit trail
Engagement Agent
24/7 borrower communication
Engagement Agent

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

24/7 borrower communicationDocument follow-upStatus updatesPolicy-bound answers
Portfolio Agent
Active portfolio risk monitoring
Portfolio Agent

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

Continuous monitoringEarly warning signalsCovenant trackingWatchlist routing
Growth Agent
Cross-sell opportunity identification
Growth Agent

"Surfaces qualified opportunities your team diden't have time to find — without a single cold call."

Eligibility monitoringProduct-fit analysisOpportunity routingExisting-borrower pipeline

Every Action. Every Step. Bound by Your Policy.

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.

  1. 1
    Policy-Bound Actions

    Agents only act inside the rules you set. If a step is not authorized by policy, no agent takes it.

  2. 2
    Explainable Steps

    Every action shows the specific policy rule it followed — visible to underwriters, compliance, and examiners.

  3. 3
    Human-in-the-Loop

    Human approval checkpoints are built into the workflow at every credit-impacting decision.

  4. 4
    Full Audit Trail

    A clean, automatic record of every action, document, and decision — exportable on demand.

  5. 5
    Escalation Paths

    Anything outside policy is immediately routed for human review with full context attached.

Emma
Policy Reference · Live
Bound

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

Emma: I am policy-bound here — I will not draft the adverse action notice until your underwriter confirms the exception.

Examiner-Ready Evidence. Not Black-Box AI.

Every case shows what was collected, what was checked, what was missed, and what was escalated — in the format examiners expect.

Report · 01Ready

Compliance Evidence Summary

Case LX-2418 · PDF · CSV · JSON

A case-level snapshot showing consent captured, disclosures sent, policy rules invoked, and exceptions routed for human review.

Consent captured · e-signDisclosures · sent 03/12Exceptions · 1 routed
Report · 02Ready

Regulatory Evidence Mapping Report

Case LX-2418 · PDF · CSV · JSON

The same case mapped to key regulatory review areas: ECOA/Reg B, FCRA, UDAAP, and Section 1071 applicability.

ECOA / Reg B · Mapped · 4 checksFCRA · adverse action · drafted1071 · applicable

These reports show what MPWR surfaced and your recorded workflow status. Final regulatory determinations remain with your compliance team.

Connected to the data and infrastructure you already trust.

Direct integrations keep your core workflows moving. Residency access extends coverage when your policy requires additional providers.

Direct integrations

Equifax logoEquifax
Plaid logoPlaid
MicroBilt logoMicroBilt

Available through Fintech Sandbox Residency

Experian logoExperian
TransUnion logoTransUnion
FICO logoFICO
Pinwheel logoPinwheel
Truv logoTruv
Socure logoSocure
Alloy logoAlloy
Persona logoPersona
Dun & Bradstreet logoDun & Bradstreet
LexisNexis logoLexisNexis
Enigma logoEnigma
ComplyAdvantage logoComplyAdvantage
nCino logonCino
ICE Encompass logoICE Encompass
Jack Henry logoJack Henry
Fiserv logoFiserv
Dow Jones logoDow Jones

Additional 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.

Built for the Lenders Who Cannot Afford to Get It Wrong.

Scale Commercial and Consumer Lending Without Adding Headcount.

Banks face a unique challenge: growing loan volume across multiple product lines while keeping examiner-ready evidence on every file.

  • Every loan file prepared to your exact credit policy
  • Provide OFAC reviews
  • Fair lending checks mapped to ECOA and Reg B
  • Adverse action documentation drafted automatically
  • Section 1071 applicability flagged on every applicable file
  • UDAAP/UDAP compliance monitoring built in
  • Examiner-ready evidence exportable in seconds

The Team Building MPWR.

Lending strategy, AI infrastructure, and operator experience across regulated systems.

Tamara Laine
Tamara Laine
Founder & Chief Executive Officer

Leads MPWR's strategy and vision. She focuses on compliance-bound AI that helps lenders move faster without giving up control.

Shuchi Batra
Shuchi Batra
Co-Founder & Chief Product Officer

Leads product strategy at MPWR. Brings more than a decade across global credit, fintech, and U.S. consumer lending.

Dustin Clarkson
Dustin Clarkson
Chief Technology Officer

Leads MPWR's technical architecture, secure infrastructure, and agent orchestration across regulated financial systems.

Amie Stevens
Amie Stevens
Chief Revenue Officer

Leads revenue strategy and go-to-market. Brings deep experience in fintech sales, banking partnerships, and scaling regulated software.

Pasindu Gunarathne
Pasindu Gunarathne
Lead Engineer

Leads engineering execution and platform delivery. Focuses on building reliable, policy-bound systems lenders can deploy with confidence.

Common Questions From Lenders.

Ready to Ellevate Your Entire Lending Lifecycle?

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