Meet Metuka, the AI-native loan officer
Close more loans. Barely lift a finger.
Metuka reads the documents, clears the conditions, texts your borrowers in your voice, and drives every loan toward the closing table. Fully autonomous, around the clock.
The whole loan, one agent
Metuka carries the file all the way down the line.
See it work
Watch Metuka move a live file.
Metuka texts the borrower for a missing document, verifies it the moment it lands, clears the condition, and moves the loan forward, all on its own.
It never sleeps, never forgets, and never lets a file stall. Metuka runs your entire pipeline autonomously, day and night.
Built for lenders and brokers
How it works
The full working labor of a loan officer. Handled.
From first contact to closing, Metuka does the work and surfaces the few moments that are yours.
Document intelligence
Reads and verifies every document
Paystubs, W-2s, bank statements, tax returns: Metuka ingests each one, extracts the fields that matter, and flags the rare exception. No more squinting at PDFs at 11pm.
Employer
Banner Health
Gross pay
$6,420.00
Pay period
May 16 to 31, 2026
YTD earnings
$32,100.00
Conditions
Chases every condition to zero
Metuka tracks each underwriting condition, requests the right document from the right person, and follows up automatically until the list is clear, so nothing slips between the cracks.
Underwriting conditions
3 / 4 clearedMost recent paystub
Borrower
Homeowners insurance binder
Borrower
Letter of explanation (deposit)
Borrower
- Following up
Updated bank statement
Borrower
Communication
Writes and sends updates in your voice
Loan Status Updates, the LSU forms each state requires, borrower and listing-agent emails and texts, all drafted in your voice. Every outbound message passes a compliance gate before it sends.
Hi David, quick update on your refinance.
We're through underwriting with one condition left. Your loan officer will send your Closing Disclosure for review as soon as it's ready…
NMLS · RESPA · TILA · TCPA · GLBA checked before send
Always on
Answers borrowers 24/7
Borrowers get fast, accurate answers any hour of the day, over the email and text they already use, while you keep the relationship.
Capabilities
One agent. The whole loan file.
The entire administrative load of a loan officer and a processor, handled in the background, so you can focus on relationships.
Takes the whole admin burden
It works every loan end to end on its own: reads the file, clears the conditions, chases every loose end. The paperwork disappears, so your time goes to the relationships that win loans.
Every loan program
Conventional, FHA, VA, USDA and jumbo, plus the niche paths banks won't touch: non-QM, bank-statement, DSCR, construction, renovation, and down-payment assistance.
Reads every document
Paystubs, W-2s, 1099s, tax returns, bank statements and IDs, verified and reconciled to the application.
Conditions to zero
Chases every underwriting condition with throttled follow-up until the list is clear.
Saves the deals that would die
A low appraisal, a tight debt ratio, a lender 'no'. It diagnoses the fix and restructures or re-shops the loan instead of losing it.
In your voice, 24/7
Status updates and answers for borrowers and agents at any hour, written to sound exactly like you, never like a bot.
Feeds your referral engine
Tracks every real-estate partner, attributes every loan, and keeps the right ones warm with outreach in your voice, so the next deal is already on the way.
You hold the license
Pricing, locks, approvals and disclosures are prepared, then staged for your one-tap sign-off. The AI never crosses the licensed line.
Compliance on every message
Nothing reaches a borrower without an NMLS / RESPA / TILA / TCPA / GLBA check, with a full audit trail behind every action.
Autonomous by design
Metuka runs the whole loan. You make three calls.
Metuka works every file end to end, on its own. By law, three moments belong to you, the licensed human: pricing and locking, approving or denying, and disclosures. The underwriting decision belongs to the lender. Metuka prepares each one and keeps going.
Metuka
Runs the work
Works the file end to end, autonomously, around the clock.
You, the licensed LO
Tap to approve
Review what's prepared and make the licensed call in seconds.
Pricing & rate lock
Metuka builds the scenario and stages it. You price and lock the rate.
Approve or deny
The decision to approve or deny a borrower is always yours.
Disclosures
Metuka prepares them. You issue the legal disclosures.
Underwriting decision
The lender underwrites. Metuka drives the file there, it never decides.
Built to a fintech compliance and security bar
- Compliance gate on every message: NMLS · RESPA · TILA · TCPA · GLBA
- GLBA-grade borrower data protection
- Encrypted at rest with KMS, and in transit
- Field-level encryption for SSNs and account numbers
The output of a whole team
Metuka carries the volume of a ten-person team.
Borrower availability
Answers questions any hour, over email and text.
Messages sent without a compliance check
Every outbound message clears the gate first.
Licensed acts, your call
Pricing, approvals, disclosures, underwriting.
Figures describe the product's design, not guaranteed results.
Give every loan an AI-native loan officer.
See Metuka run your pipeline autonomously, from first contact to the closing table.