Ocrolus adds automated conditioning to mortgage tools

Ocrolus, an AI-powered data and analytics platform for credit decisioning, recently announced it’s adding automated conditioning to its suite of products. The new solution allows mortgage lenders to move faster, increase loan quality and reduce compliance risk.

The new capabilities, announced at the Mortgage Bankers Association’s Annual Convention and Expo in Las Vegas in mid-October, automatically surfaces underwriting conditions within a structured, auditable system and manages their full lifecycle from identification through resolution.

Traditionally, conditioning has been a manual and inconsistent process that requires underwriters and processors to review documents, interpret guidelines and enter conditions manually into loan origination systems, such as ICE Mortgage Technology‘s Encompass.

The new feature builds on existing functionality in Ocrolus Inspect, helping lenders accelerate clear-to-close conditgions, reduce human error and create a faster, more predictable borrower experience.

With the launch, Ocrolus has automated identification and management of conditions in three key categories — asset, income and credit — while clearly displaying the origin and rationale for each. The company plans to expand the product in later phases to include lender controls, Encompass synchronization and full-loop automation.

“Automated conditioning eliminates one of the biggest bottlenecks in mortgage origination,” said Nadia Aziz, general manager of mortgage at Ocrolus. “By applying AI to one of the most complex parts of mortgage underwriting, we’re helping lenders move from reactive checklists to proactive intelligence — ensuring every loan is reviewed faster, more consistently, and with greater confidence. It’s a leap forward for lenders and a better experience for borrowers.”

The new feature allows lenders to edit, waive or mark conditions with full visibility and control, as well as customize condition templates to match internal processes. It also integrates with Encompass, enabling conditions and document placeholders to be imported directly.