Theia Vault for lending
Hand it a full loan file.
Get your afternoon back.
Theia reads the whole package — classifies every page, calculates income, cross-checks the file, hands you the condition list. What used to eat an afternoon takes minutes.
Free trial · No credit card · Cancel anytime
Qualifying income — Borrower 1
Cross-document checks
Conditions
Export as PDF report · Email from the app · Ask Theia about this file
The problem
Where your week actually goes.
You didn't get into lending to be a document sorter. But that's where the hours disappear — and it's the hours that were supposed to grow the book.
Sorting, splitting, and labeling a doc package by hand.
Handed backTheia classifies every page, groups the documents, and assigns each one to the right borrower — minutes after upload.
Digging through agency PDFs for one scenario answer.
Handed backAsk the question in plain English. FHA, VA, USDA, Fannie, Freddie — answered with the source cited.
Income calcs on the self-employed borrower, again.
Handed backBase, YTD pace, and variable income averaged across years, the way underwriting does it — cross-checked against the rest of the file.
Nothing — which is what your referral partners get.
Handed backThe fleet keeps partner and borrower touches going out in your voice from your own address, and live scoring shows which relationships are drifting before they're gone.
Document intelligence
A product in its own right.
Most CRMs bolt on a document folder. Theia Vault ships a full document-intelligence engine — this alone is worth the seat.
Hand it the whole package
Upload the file as-is — PDFs, scans, even phone photos. Paystubs, W-2s, bank statements, tax returns, credit reports, gift letters. No pre-sorting.
Every page classified & split
Every page identified, grouped, labeled, and assigned to the right borrower — even in a multi-borrower file.
Income calculated, cross-checked
Base, YTD pace, and variable income averaged the way underwriting does it — then every document checked against the others, down to matching bank transfers.
Conditions listed for you
What's missing, what conflicts, what underwriting will ask for — severity-tagged, validated against the actual documents.
Export it as a PDF report, email it from the app, or pull it up in chat and reason over the file together.
The rest of the machine
Built for how LOs actually win business.
The doc engine saves your afternoons. The system underneath it — partners, pipeline, follow-up, all worked by AI — is what grows the book.
01 — Guideline intelligence
Scenario questions, answered with citations.
FHA, VA, USDA, Fannie, Freddie — ask a scenario question and get the answer with the source cited. No more digging through PDFs between calls.
Minimum reserves on a 3–4 unit FHA purchase?
Three months PITI, from the borrower's own funds — gift funds can't be used to meet the reserve requirement.
Source cited: HUD Handbook 4000.1 — Reserves
02 — Partner engine
Your referral partners, worked like the pipeline they are.
Your business runs on agent relationships. Touches go out in your voice from your address, and live scoring shows which relationships are drifting.
03 — Volume pipeline
Every loan on one board, moving or flagged.
Drag files through stages, automations fire behind you, and the file that's gone quiet gets flagged before the borrower calls asking why.
FILE #1042 · REFI · PROCESSING
Quiet for 8 days — borrower hasn't replied to the conditions request. An update in your voice is drafted and ready.
Pricing
Solo $149/mo · Team $129/user/mo
Doc analysis, guideline answers, and the whole AI-worked system — one seat, one price.
Start now
Put your book of business
to work tonight.
Import your contacts today. Wake up tomorrow knowing exactly who to call.
Free trial · No credit card · Cancel anytime