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Always-on borrower intelligence
Know what every borrower qualifies for—right now, verified against 5,000+ agency rules—and exactly what to do about it. Deterministic rules and Atlantis AI working together to turn your database into a proactive growth engine.
Deterministic rules and Atlantis AI, working together
Atlantis applies deterministic rules for guidelines, eligibility, and timing together with Atlantis AI for analysis, message drafting, and outreach. Powered by an enrichment engine of real-time credit trending, equity position, income, assets, pricing, and servicing signals, Atlantis keeps each borrower's "possible-to-proceed" status current, 24/7/365.
Deterministic Rules Engine
Over 5,000 agency rules encoding Fannie, Freddie, FHA, VA, and USDA guidelines. Every recommendation is pre-verified against actual eligibility requirements. Thinks exactly like an LO does.
Atlantis AI Layer
Real-time data enrichment from credit, property, employment, and market sources. Natural language summaries and recommended outreach scripts guide every conversation.
The Result
AI surfaces the opportunity. Rules verify it's real. The LO gets an action-ready recommendation with talking points. You're reaching out while competitors wait.
Every path evaluated, every opportunity surfaced
Atlantis evaluates every borrower against hundreds of Goal Type and Strategy combinations spanning the full spectrum of mortgage products.
Goal Types
Strategy Coverage
Loan Qualification Scenarios
AI-powered qualification analysis across data confidence levels
Showing 4 of 4 scenarios Reset
Debt Consolidation
3 scenarios
1 debts eliminated (minimum 2)
Built for speed and value
What makes Atlantis uniquely powerful: deterministic rules for eligibility, AI for insights, and real-time enrichment for every borrower.
Rapid Onboarding
All data ingestion integrations are pre-built for major LOS's, servicing systems, lead systems, MISMO, and other data sources. Set up is fast—bring a new company online within just a few days, getting value within the first week.
Four-Lane Inference Engine
We generate four lanes of data from aggregated source data, distinguishing between source data and inferred data. This allows us to apply various strategies to enriching the data and track separately the outcomes of each lane. Multiple paths to high-confidence insights.
Deterministic Rules, Not Guesswork
We use deterministic rules, not AI, to evaluate every possible goal type and strategy that the borrower and mortgage profile are eligible for. This engine thinks exactly like an LO does, running 24/7/365.
Real-Time Scoring and Prioritization
We apply the Sonar Score to borrower data to help rank and prioritize valid opportunities, in real time, always refreshed and always actionable. LOs see their best opportunities first.
AI Summaries and Gap Analysis
Powerful AI summaries make it super easy for the LO to know what is happening with each borrower profile and what gaps may be missing that could help get the borrower to a qualified goal faster.
AI-Powered Communication Assistance
AI insights assist with communication based on real-time data, providing accurate prompts of information to exchange with the borrower and recommended next-best-actions that make it quick to suggest a next step without digging through the loan file.
How we prioritize every opportunity
The Sonar Score combines three key dimensions to rank every borrower by their readiness to close, giving LOs a clear view of their best opportunities.
Readiness
Primary indicator of opportunity quality
The overall combined score that considers how confident we are in viable goals and strategies we have identified, and how engaged the borrower is in the signals we monitor.
Confidence
Data quality and verification
How confident we are in the data we are using to present the goal and strategy options. Based on data quality, source freshness, and verification status.
Engagement
Borrower interaction history
Shows how engaged the borrower has been interacting with the lender. Historical interaction patterns, response rates, and relationship strength.
Paul Atlan
& Teri Atlan
Comprehensive financial picture available. Strong data signals across all metrics with verified income and property valuation.
Excellent candidate for immediate outreach. Qualifies for premium rate products with strong position for loan processing.
High engagement level. Responds quickly to texts but rarely to emails. Text outreach recommended.
Six steps that run continuously, 24/7/365
Atlantis works around the clock to surface every closeable loan the moment it exists, combining deterministic rules with AI-powered insights.
Data Ingestion
Atlantis connects to your LOS, servicing systems, POS, lead systems, MISMO, and other data sources. Built-in integrations for major platforms mean you can go live within days and get value in the first week.
Data Enrichment
Atlantis generates four lanes of data from aggregated source data, applying various strategies to enrich the data. We call this the Inference Engine—it tracks outcomes separately for each lane of data inference and enrichment.
Intelligent Signals Trigger Actions
Using deterministic rules (not AI), Atlantis evaluates every possible goal type and strategy that the borrower and mortgage profile are eligible for. Changes in data through the Enrichment Engine trigger immediate updates to Goals.
Intelligent Engagement
AI generates powerful summaries that make it easy for the LO to understand what's happening with each borrower. AI insights assist with communication, providing accurate prompts and recommended next-best-actions.
Market-Driven Insights
Real-time market pricing data using your specific rates and products enhances awareness of intra-day changes, detecting the moment someone is able to move forward before anyone else—including the customer—would know.
Automated Re-Engagement
Borrowers who need one more trigger go on watch lists. Atlantis monitors continuously and alerts you the instant they're ready, with refreshed scores and actionable recommendations.
Turning static data into dynamic intelligence
Atlantis continuously enriches borrower data from multiple sources to maintain high-confidence insights.
Credit Trending Without Hard Pulls
We leverage soft pull and credit trending data to add behavioral indicators that build a reliable credit profile that is not static—it evolves with the journey of the borrower, between credit pulls.
Income Confidence
We use additional inputs from the borrower and LO, along with external enrichment data providers, to bring income ranges into high confidence, filling gaps and reducing uncertainty.
Property Intelligence
Listing changes, value changes, and other property data are brought into high confidence through external enrichment, giving you up-to-date equity positions without waiting for appraisals.
Real-Time Market Pricing
We bring in real-time market pricing data using your lender-specific rates and products to enhance awareness of any intra-day changes and detect the moment someone is able to move forward on a goal type and strategy.
Profile Intelligence
Real-time enrichment service
Paul Atlan
Primary
MID FICO
685
Teri Atlan
Coborrower
MID FICO
685
AI Credit Score Prediction Model
85% confidence
AI Payment History Projection
92% confidence
Actionable intelligence for every conversation
The AI Insights panel automatically surfaces key changes and opportunities for each borrower.
Trend Detection
"Credit trending upward - 3 goals unlocked this month"
Opportunity Alerts
"Property appreciation opened new HELOC capacity"
Near-Miss Analysis
"4 more goals within 5% of qualification"
AI Insights
1Comprehensive financial picture available. All key data points confirmed through recent enrichment processes. Strong data signals across all metrics with verified income, employment, and property valuation.
Excellent candidate for immediate outreach. Profile meets or exceeds requirements for multiple loan scenarios. Scenario analysis shows qualification for premium rate products with strong position for immediate loan processing.
This borrower shows a high engagement level. Their response history indicates they reply quickly to text messages but rarely to emails. Based on this pattern, text outreach is the most effective way to connect with them right now.
Paul Atlan
(555) 555-5555
paul.atlan@demo.com
$11,249.00
What Atlantis delivers
The mortgage growth engine advantage: always-on intelligence, verified recommendations, and lifetime monitoring.
Proactive
Detects changes before borrowers shop elsewhere
Verified
Real recommendations from deterministic rules, not AI guesswork
Complete
Evaluates every path across 21 goal types for every borrower
Transparent
Explainable qualification logic builds borrower trust
Continuous
Lifetime monitoring for lasting relationships
Fast
Go live in days, value in week one
The complete mortgage intelligence platform
We're expanding Atlantis to cover the full mortgage intelligence lifecycle.
Interactive AI Assistant
Ask questions about any borrower: "Why doesn't this borrower qualify for cash-out refi?" Get instant answers powered by the Goal Engine.
Predictive Intent Scoring
Go beyond qualification to predict borrower behavior: Likelihood to Refinance, Flight Risk, and Timing Confidence scores.
Enhanced Alert Taxonomy
Life event detection, product-specific alerts, and competitive threat monitoring with qualification context and next best actions.
Borrower Intelligence Portal
Give borrowers visibility into their own qualification status with interactive scenario builders and opportunity notifications.
Sales Manager Intelligence
Help branch managers track opportunity conversion, LO performance, and pipeline forecasting based on Atlantis data.
Marketing Orchestration
Trigger campaigns based on qualification changes—not just behavioral signals—through integrations with leading marketing platforms.
Ready to accelerate your growth?
Join the mortgage teams using the Growth Engine to convert more leads, close more loans, and outperform the competition.