AI Solutions for Lenders
Deliver faster approvals, smarter risk
assessments, and better customer experiences.
We help lenders adopt secure, scalable AI-powered solutions to streamline loan origination, improve decision accuracy, and enhance customer satisfaction. From automated verification to intelligent scoring models, our team supports you from strategy to execution with a focus on compliance, business impact, and long-term growth.
New for lenders: Celestial Managed Services - Loan Origination
AI that augments your lending process to cut costs, reduce fraud, and speed decisions — without replacing your existing systems.
Use Cases and Outcomes
Automated Income Verification
Manual income verification is often time-consuming and prone to human error, especially when dealing with gig workers…
Manual income verification is often time-consuming and prone to human error, especially when dealing with gig workers or applicants with non-standard pay structures. AI streamlines this process by extracting and validating income data from diverse sources—faster, more accurately, and with built-in fraud checks.
We can help you:
- Analyze statements and detect gig/irregular income
- Extract data from pay stubs, PDFs, and CRA forms
- Cross-verify with payroll and tax APIs
- Flag risks like document fraud or income volatility
- Feed verified data into decisioning engines
Loan Pre-Approval Using AI Scoring
Expand access to credit while maintaining risk controls. By using AI scoring models and alternative data, lenders…
Expand access to credit while maintaining risk controls. By using AI scoring models and alternative data, lenders can assess creditworthiness instantly—even for applicants with thin credit files—while complying with regulatory requirements.
We can help you:
- Incorporate rental, utility, and bank feed data
- Train scoring models using AutoML tools
- Monitor fairness and regulatory compliance
- Offer real-time pre-approvals on digital channels
- Log decisions in an audit-ready format
Document Extraction & Validation
High volumes of mortgage or loan documents can overwhelm teams and delay approvals. AI-based extraction …
High volumes of mortgage or loan documents can overwhelm teams and delay approvals. AI-based extraction and validation tools automate this process, checking for accuracy, consistency, and potential fraud while ensuring regulatory compliance.
We can help you:
- Ingest mortgage documents across channels
- Extract and validate fields using AI
- Detect inconsistencies and anomalies
- Route flagged documents for manual review
- Monitor exception trends and retrain models
SME & Agri Lending Optimization
Small businesses and agricultural borrowers often lack traditional financial records, making underwriting…
Small businesses and agricultural borrowers often lack traditional financial records, making underwriting challenging. AI enables lenders to evaluate these applicants fairly by analyzing alternative data—like satellite imagery or invoice history—and modeling seasonality or risk.
We can help you:
- Score SME cash flow and repayment ability
- Model farm risk using satellite and weather data
- Build fair, explainable underwriting models
- Suggest dynamic loan pricing based on seasonality
- Expand access for non-traditional borrowers
AI-Powered Chatbots
Deliver a better experience for applicants and reduce operational workload. Conversational AI can respond to loan…
Deliver a better experience for applicants and reduce operational workload. Conversational AI can respond to loan status inquiries, application questions, and eligibility requirements while seamlessly routing complex cases to human agents.
We can help you:
- Create bots to answer loan status, eligibility, and FAQs
- Deploy across mobile and web channels
- Connect bots to loan systems securely
- Escalate complex cases to live agents
- Continuously improve based on user feedback
Our Process
Starting with a discovery phase and AI readiness assessment, we prioritize high-value use cases and implement them with secure, scalable integration into your existing systems.