Unlimited document analysis. Instant guideline search. Income calculation in seconds. All running locally on your hardware, so it's faster than cloud, never throttled, and your borrower data never leaves the building.
The Problem
Digging through 1,000+ page FHA, VA, and USDA handbooks for one specific rule. Every time. On every file.
Processors spending 30+ minutes per file calculating borrower income from paystubs, W2s, and bank statements. Errors cost deals.
Your team is using ChatGPT, Copilot, and other AI tools — uploading borrower SSNs, income docs, and financial records to third-party servers.
Loan officers waiting hours for answers to guideline questions that should take seconds. Every delay risks losing a borrower to a competitor.
The Solution
Theia Vault runs on a server inside your office. Your team gets AI-powered tools built for mortgage — without any data ever leaving your network.
Theia scrubs every document and flags what matters: buy now pay later accounts, large deposits, recurring debts, missing docs, and potential conditions. Think of it as working the file and conditioning it before it ever hits underwriting. Problems surface on day one, not day thirty.
Upload paystubs, W2s, 1099s, tax returns, or bank statements. Theia extracts the data, calculates qualifying income, and shows the math. Overtime, variable income, self-employment, gaps in employment. Your team verifies in seconds instead of calculating for thirty minutes.
A senior underwriter in your pocket, available any time. "Can this borrower qualify without overtime?" "What if we switch to FHA?" Real answers grounded in actual guidelines, not guesswork. Nights, weekends, holidays.
Ask plain-English questions and get answers pulled directly from the most recently published FHA, VA, USDA, Fannie, and Freddie handbooks. Every answer cites the exact source. Theia never guesses from its training data; it searches the actual guidelines every time.
No per-file fees. No usage caps. Paystubs, bank statements, tax returns, VOEs, asset statements, credit supplements. Run every document on every file through the system without watching a meter tick.
Upload your overlays, SOPs, compensation plans, and internal guidelines. Theia learns how your shop operates, not just industry standards. New hires get answers without bothering managers. Experienced staff move faster.
Every user gets their own secure workspace, fully isolated. But more than that, Theia adapts to each role. Your processors, underwriters, and loan officers each get a system that fits how they work. Make your newest LO as knowledgeable as your most experienced one.
Why Private
Other AI platforms send your loan files to their servers. Theia Vault keeps everything inside your building.
| Cloud AI Platforms | Theia Vault | |
|---|---|---|
| Borrower data location | Their servers | Your office |
| Data used for AI training | Possibly | Never |
| Works without internet | No | Yes |
| Per-file or usage fees | Yes | Unlimited |
| Your overlays & SOPs built in | Limited | Fully customizable |
| Third-party vendor risk | Always present | Eliminated |
| You own the system | Subscription only | Hardware is yours |
Built by a Loan Officer
Theia Vault wasn't built by a team of engineers who Googled "what is a mortgage." It was built by a working loan officer with 8+ years in the industry who got tired of the same problems every shop deals with — hold times, manual calculations, buried guidelines, and compliance headaches.
Every feature exists because it solves a real problem that costs mortgage companies time and money. The income calculator follows agency guidelines because we've actually underwritten files. The guideline search works because we've actually read the handbooks. The system is private because we know what's at stake when borrower data gets mishandled.
This isn't a tech company trying to break into mortgage. This is mortgage building its own technology.
Book a 15-minute demo. Bring a paystub if you want — we'll analyze it live.