PlatAI Plat LOS

Plat LOS is presented as a cloud-based loan origination system for lenders, banks, and home improvement contractors. It can integrate with an existing underwriting process or be used as a complete solution. The page describes automated underwriting, configurable decision rules, AI-powered verification, real-time CLTV and pricing recalculation, Metro 2 credit bureau file delivery, filter-driven offer generation via API, and end-to-end PII masking with role-based gating. It also mentions SOC II certification, two-factor authentication, role-based access, and integrations with Plaid, data providers, e-signatures, and payment rails. The FAQ section appears to describe a separate predictive analytics and modeling offering from Plat.AI, including a free 14-day trial with 10,000 model requests.

Key features

• Automated underwriting with configurable decision rules and custom rate cards
• AI-powered verification
• Real-time CLTV, APR, payment schedule, and risk tier recalculation
• Automated nightly Metro 2 credit bureau file generation and secure delivery via API or SFTP
• Filter-driven offer generation API returning loan programs while enforcing policy rules
• End-to-end PII masking for Social Security, driver's license, and bank account data with role gating and audit logging
• Dynamic workflow engine across origination, review, stipulations, and funding
• Merchant-level settings, partner-level programs, and multi-tenant controls
• Borrower and merchant portals with email and notification templates
• Two-factor authentication, role-based access, and logging
• Integrations with Plaid for income and bank data, property verification data providers, e-signatures, and payment rails
• Scalable cloud hosting with reliability and monitoring
• SOC II certified

Best suited for

• Lenders and banks financing home improvement projects
• Contractors offering roofing, HVAC, or other home services financing
• Lenders seeking to modernize underwriting while keeping an existing process

Pricing

Not stated on the website