Borrower applies
Your branded application wizard walks them through the URLA and tells them exactly which documents to upload. Clean, guided, compliant.
The loan file
that works itself.
Foosy is a white-label, AI-driven mortgage POS built native on MISMO 3.4. It takes the application, reads the documents, calculates the income, and keeps every party moving — under your brand, feeding your LOS.
Built by a 30-year mortgage lender · Not a software company guessing at guidelines
010203040506
AI Processing Core
Your loan file, alive
Scroll to explore
MISMO 3.4 nativeWhite-label readyMulti-tenantDU-ready exportBuilt by lendersDKIM · SPF · DMARC
The old way
Loan files don't close slow. People re-keying them do.
The average loan passes through four systems before it closes. Each handoff means a processor manually re-entering data the borrower already provided — introducing errors, adding days, and consuming hours that should go toward closing loans.
Typical file path
Re-keying income…POS
→LOS
→DU
→Investor
0days
average time to close
0+
processor time per file
0×
the same data re-keyed
There is a better way to work a file.
Flagship product
Meet Foosy.
Most point-of-sale systems collect documents and stop. Foosy actually works the file — the classifying, extracting, calculating, and chasing that eats your processors' day.
Everything is stored and transmitted as MISMO 3.4, so your LOS, your investors, and DU get clean data instead of re-keyed data.
See Foosy on your loans →foosy · loan #4402188 · Dawson, M.
INTAKE
Loan stages
Application
Documents
Income
Conditions
Approval
CTC
Documents
URLA (complete)
Paystubs (2)
W-2 2025
Bank statement — p.3
Tax returns (1040)
Income analysis
QUALIFYING INCOME
— — —/mo
Base salary—
OT avg (24-mo)—
Method—
Live activity
›Borrower submitted URLA · awaiting docs
01
IntakeGuided URLA application
A borrower-friendly wizard that produces a complete, compliant 1003 — not a PDF to re-type.
02
DocumentsAI document intelligence
Paystubs, W-2s, bank statements, and tax returns classified and extracted on arrival, flagged when something's off.
03
IncomeDeterministic income engine
AI extracts the data; a rules-based engine calculates qualifying income the same way every time. No black-box math.
04
Pipeline13-stage loan tracker
Every party sees where the file stands, from application through clear-to-close, in plain language.
05
DataMISMO 3.4 at the core
Native MISMO storage with clean export and DU file round-tripping. Your data leaves the way investors want it.
06
IntegrationsCredit & vendor ready
MISMO-aligned integration layer for credit and verification vendors, designed to plug in — not bolt on.
How it works
Four steps from application to your LOS.
Foosy reads everything
Documents are classified and extracted the moment they arrive. Missing pages and mismatches get flagged immediately — before a human ever looks.
The file works itself
Income is calculated, conditions are tracked, and follow-up requests go out automatically from a dedicated, verified sending domain.
You deliver clean data
A complete MISMO 3.4 file flows to your LOS and DU. No re-keying, no stare-and-compare. Clean data in, clean data out.
White label
Your brand on the front. Foosy under the hood.
Foosy is multi-tenant by design. Borrowers see your name, your colors, and your loan officers — not ours.
- 01Portal
Your colors, your officers
Application flow, status tracker, and borrower messaging carry your identity. Foosy stays invisible unless you choose otherwise.
- 02Trust
Verified sending domain
Document and condition requests leave from an authenticated domain — SPF, DKIM, and DMARC enforced — so they land in the inbox and feel legitimate.
- 03Tenant
Multi-tenant by design
Each lender runs as an isolated brand surface on the same platform. No shared chrome, no Foosy watermark by default.
apply.premierhomelending.com
PH
Premier Home Lending
Borrower portal
ApplicationStep 2 of 6
Borrower profileDone
Employment & incomeDone
Assets to uploadActive
Powered silently by Foosy · MISMO 3.4
What's next
Foosy is the first. Not the last.
Loan AI Products is building a family of tools around the same core: deterministic mortgage math, MISMO-native data, and AI where it actually helps.
- In developmentAPI · 01
Income Engine API
The same deterministic income calculation that powers Foosy, as a standalone API for your existing stack. Send documents, get underwriter-grade qualifying income back.
Deterministic mathQualifying incomeDrop-in API - In developmentAPI · 02
Document Intelligence API
Classification and extraction for mortgage documents, returned as structured MISMO-aligned data. Built for lenders who want the brains without the portal.
Classify + extractMISMO-alignedPortal optional
Same core math. More surfaces. Early partners help shape the API surface before general availability.
Talk to us about what's nextClient stories
Voices from the loan floor
Early-access partners on how Foosy changes the way files move — and how underwriters trust what they see.
Foosy cut our average processor time per file from 11 hours to under 4. The income engine alone was worth the switch — it calculates the same way every time, which is what underwriters actually need.
MR
Maya Reynolds
VP of Production, Heritage Credit Union
5.0 · Early access partners
Activate Foosy
Turn hours of file work into minutes.
Thirty minutes. Your loan scenarios. Application, document engine, and MISMO output — then white-label for your shop.
- Intake
- Extract
- Income
- Conditions
- MISMO