What is Copperlane?

Copperlane is an AI-native loan origination system built specifically for mortgage lending. Instead of relying on manual back-and-forth between loan officers and borrowers, Copperlane uses an AI agent named Penny to handle document collection, rate pricing, and verification — cutting loan processing time from hours to seconds.

Who it's for

• Loan officers — who want to stop chasing paperwork and focus on closing loans instead of managing inboxes.
• Mortgage lenders and banks — looking to reduce processing time and catch document issues before underwriting reviews the file.
• Borrowers — who expect a fast, guided application experience with instant answers and auto-filled forms.

Key features

Penny AI agent

Penny acts as an intelligent assistant that collects documents, asks the right follow-up questions, and verifies information in real time. Borrowers interact with Penny naturally — she can even flag large deposits or income gaps before the file reaches underwriting.

Borrower experience

Borrowers see only the fields that matter to their specific loan type. Forms auto-fill from uploaded documents, and Penny answers questions like “What’s the difference between FHA and conventional loans?” — reducing abandoned applications.

Loan officer dashboard

The dashboard shows every active application, document status, and flag in one screen. Loan officers can see Penny’s activity — like asking about an employment gap or verifying bank statements — without hunting through multiple tabs.

Multilingual voice support

Penny converses with borrowers in English, Chinese, and Spanish. She can speak naturally, guide uploads, and confirm next steps — making the process accessible to a wider range of borrowers.

What stands out

“Stop chasing documents. Start closing loans.”

Copperlane’s edge is that it doesn’t just digitize paperwork — it replaces the entire back-and-forth loop with an AI agent that handles collection, verification, and borrower communication. Loan officers get a complete applicant profile without ever asking for a resend, and borrowers finish applications instead of abandoning them.

Worth checking out if…

You’re a mortgage professional tired of manual document chasing, or a lender looking to cut processing time from hours to seconds. Copperlane is especially relevant if you want an AI-native system that works across English, Chinese, and Spanish — and if you’re ready to let an agent handle the busywork so your team can focus on closing loans.