The AI operations platform
for mortgage.

Hamco runs your back office with AI agents — clearing conditions, supporting underwriting, and auditing files inside your LOS. A replacement for offshore operations, not another tool on top of them.

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Purpose-built for mortgage lending

Back-office operations, run by agents — inside your LOS, to your guidelines.

  • Priced on finished files, not hours or seats
  • Underwriter-grade oversight on every decision that matters
  • Every action logged at the file level, with the evidence attached
Built by a team from
Palantir Balyasny Asset Management PJT Partners The Wharton School
The platform

From intake to investor delivery, on one platform.

What we automate, we operate.

Intake — your systems, not ours
Your LOS Document vault Email & borrower follow-up Investor portals
Processing

File № 2841

  1. Pull outstanding conditions
  2. Chase & clear documents
  3. Calculate income to guideline
  4. Write findings, move to clear-to-close

Every file worked end-to-end by agents — to your guidelines and your overlays, not a generic playbook.

Your guidelines Your overlays Evidence attached
Oversight
Underwriter review
Guideline checks
File-level QC
Audit trail
Workflows

What we run.

The operations you staff offshore today, run by agents — from the first document in the file to investor delivery.

Condition & stip clearing

Outstanding conditions worked, documents chased and cleared, files moved to clear-to-close.

Income & asset analysis

Income calculated to guideline, employment and assets verified, findings written to your overlays.

Document indexing & review

Every incoming page classified, indexed, and checked for completeness the moment it hits the file.

Pre-close QC

Data-integrity and compliance checks run before docs go out, findings dispositioned with citations.

Post-close audit

Full-file audits run and trailing documents resolved — every finding documented, with evidence attached.

Investor delivery

Files stacked and certified, packages prepared and shipped investor-ready, exceptions worked to clearance.

Across conventional, FHA, VA, USDA, jumbo, and non-QM. Running a workflow you don't see here? We build to your operation.
Why Hamco

Built to replace offshore capacity, not to assist it.

Most lenders rent their back office by the hour — offshore teams working conditions, audits, and income calculations in queues you can't see. Adding a copilot doesn't change that model. You still pay for seats, and you still wait.

Hamco replaces the seat itself. Agents work each file inside your LOS, underwriters oversee the decisions that matter, and you pay for finished files — with the same accountability you'd demand of any vendor, and an audit trail no offshore team can match.

Find out what your back office actually costs.

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