People + AI: How Consolidated Analytics and loanDNA Empower Lenders Without Losing the Human Touch (Sponsored Content)
(Image courtesy of Consolidated Analytics)
By Arvin Wijay, CEO of Consolidated Analytics and loanDNA
Mortgage banking is evolving faster than ever. Borrowers expect a seamless, personalized experience, while lenders face tighter margins and increasing regulatory demands. At its core, the objective remains the same: making home ownership attainable and sustainable.
The challenge is clear. Lenders need to scale and speed up while keeping relationships personal. At Consolidated Analytics and loanDNA, we believe lenders shouldn’t have to choose. Our vision is simple: AI where it counts, people where it matters most. By pairing intelligent automation with deep industry expertise, we help lenders work faster and more accurately without compromising reliability.
AI to Speed the Process, People to Guide the Outcome
Artificial intelligence can spot patterns and process documents with remarkable speed. But lending decisions are rarely black and white. Borrowers’ income situations vary. Properties don’t always fit standard formulas. Each story is unique.
That’s why our solutions are made to support human expertise rather than replace it. Our technology identifies exceptions, provides actionable insights, and manages repetitive tasks, while mortgage professionals deliver the critical judgment and context. The result is a strategic partnership where AI complements expertise, offering efficiency without diminishing the quality of service.
loanDNA: Tools Built for People-First Lending
The loanDNA suite reflects this philosophy. Each solution is designed to simplify complex tasks while keeping expert oversight at the center:
• Document Automation & Data Extraction
AI organizes and extracts key data quickly, while human reviewers handle the nuances that automation can’t fully interpret.
• Smart Bookmarking
Reviewers jump straight to the most important sections, freeing time for thoughtful decision-making rather than endless scrolling.
• Income Calculator
Numbers are crunched automatically, but the final call remains with the lender’s team.
• Automated Valuation Model (AVM)
Market data is synthesized for fast valuations, with local experts weighing in where context and market feel matter most.
Together, these tools streamline the entire lending lifecycle—from origination through servicing—so lenders can focus on high-value conversations and building business.
A True Partnership—With Clients and Their Borrowers
Technology alone doesn’t build lasting relationships. Our clients, from large national lenders to community credit unions, choose Consolidated Analytics and loanDNA because we work as partners, not just providers.
Every engagement begins with listening. We learn each lender’s operations, risk appetite, and borrower profile. Then we shape automation strategies that fit their culture and compliance needs. And as the market shifts, we adapt together.
Results That Matter
When people and AI work in tandem, lenders see real, sustainable benefits:
• Quicker turn times that keep pace with borrower expectations.
• Lower operational friction, letting teams spend more time with customers.
• Consistent quality and compliance that help prevent costly issues later.
• A better borrower experience, built on transparency and trust.
Looking Ahead: Responsible, People-First Innovation
AI is advancing rapidly—from conversational tools to predictive analytics. We embrace these innovations with a clear principle: responsible adoption with people in the loop.
The Bottom Line
Efficiency and care are not opposites; they are partners. By combining AI’s speed and precision with the discernment of seasoned professionals, Consolidated Analytics and loanDNA help lenders thrive in a competitive, regulated market while keeping the human touch front and center.
Arvin Wijay, CEO of Consolidated Analytics and loanDNA, has 20+ years in real estate finance with proven expertise in growth strategy, revenue optimization, and cost control. He has built and sold multiple businesses, most recently Retreat Capital, and is recognized for his hands-on leadership, financial acumen, and strategic approach to organic growth and acquisitions.
(Sponsored content includes material submitted independently of the Mortgage Bankers Association and MBA NewsLink and does not connote an MBA endorsement of a specific company, product or service. For more information about sponsored content opportunities, contact Bill Farmakis at bill@jlfarmakis.com or 203/834-8832.)
