Disclosures, sent automatically.
Discloser automates the disclosure desk, initial Loan Estimates and change of circumstance redisclosures, without adding headcount.
30 minuteson every initial disclosure, done by hand, on every loan. Multiply that across your desk.
Right now, every disclosure waits on a person.
Every disclosure starts a clock. The initial LE has to be sent inside the window. Then the loan changes. A rate locks, a fee comes in, the borrower switches product, the appraisal lands differently, and each one starts its own clock and its own redisclosure. Right now a person pulls the file, checks the numbers, rebuilds the package, and sends, over and over, for every loan. Miss a window and you are curing a tolerance or eating the cost. Discloser does that work off the loan data itself, so the send never rides on someone noticing in time.
The disclosures, and the clock behind them.
Everything runs off the data already in your LOS. No re-keying, no side spreadsheet, no rebuilding by hand.
Initial Loan Estimates
The initial LE goes out the same day the file is ready, built straight from the loan, without anyone touching it by hand.
COC redisclosure
Any change, a rate lock, a fee update, a product switch, automatically triggers a redisclosure that goes out the same day.
Closing Disclosures
Coming soonThe same engine that sends your LEs and COCs will build and route the CD when the file is ready.
Every loan on the clock, in one place.
When you need to see where a loan stands, you get an answer in one screen instead of digging through files. Every loan against its clock, initial and redisclosure both, with what triggered it and how much time is left.
Fast, and right.
Every disclosure is checked against the loan data before it goes out, so speed never costs you accuracy. The point is not to send faster and hope, it's to send the moment the numbers are actually correct.
Hours back on the desk, and fewer costly misses.
What took an afternoon now takes minutes
Building, checking, and re-sending a disclosure by hand used to eat real time on every loan. Now the send runs on its own and your team's job shrinks to oversight.
More volume, same team
Take on rising loan counts without adding disclosure staff. The sends and the clock-watching run on their own, so headcount is not what caps your pipeline.
Stop paying for missed windows
Every disclosure and every change is caught before its window closes, so you are not eating the cost of rushed fixes, re-cured files, or a tolerance cure you could have avoided.
It operates inside the systems you already use.
Your LOS stays the system of record. Discloser reads and writes to it directly, so loan data never gets moved or re-keyed by hand. We integrate with nCino too, so disclosure packages reach borrowers through the nCino portal without pulling them into another system.
See how Discloser unblocks your disclosure desk.
Book a walkthrough. We will show you the initial LE and every change of circumstance moving through the compliance clock on loans like yours.