Drop your docs — AI fills the rest in 10 seconds

The smarter way
to get a mortgage.

LoanPilot guides you through your mortgage application step-by-step — like TurboTax, but for home loans. No confusing forms. No endless back-and-forth. Just clear, simple guidance to your keys.

No hard credit pull to start
Bank-level encryption
Free to apply

94%

Application completion rate

18 min

Average time to pre-qual

$2.1B+

Loans processed

4.9/5

Borrower satisfaction

Simple by design

Three steps to pre-approved

We've distilled the mortgage process down to what actually matters — and we explain every bit of it in plain English.

01

Tell us about yourself

Answer simple questions in plain English — no mortgage jargon. Takes about 15 minutes.

02

Upload your documents

We'll tell you exactly what we need. Our AI reads and verifies your docs automatically.

03

Get your results

See your pre-qualification instantly with loan options matched to your profile.

For Borrowers

Finally, a mortgage experience that makes sense.

We've rebuilt the application experience from scratch — designed for real people, not underwriters.

  • Get pre-approved in as little as 15 minutes
  • Plain-English explanations — no jargon
  • Real-time progress tracking
  • Secure document upload and AI verification
  • Compare FHA, Conventional, VA, and USDA options
  • On-demand AI assistant for any question
For Loan Officers

Less chasing. More closing.

Give your borrowers the guided experience they deserve — and get cleaner files, faster.

  • Cleaner borrower data from day one
  • Automated document collection and verification
  • Pre-qualification scenarios in seconds
  • Full pipeline dashboard and CRM
  • AI-generated borrower summaries and follow-ups
  • Reduce back-and-forth by up to 60%

Real stories

What people are saying

I thought applying for a mortgage would be a nightmare. LoanPilot walked me through every step and I got pre-approved in 20 minutes. My realtor was shocked.

SM

Sarah M.

First-time homebuyer, Raleigh NC

As a loan officer, I've tried every platform. LoanPilot is the first one where borrowers actually finish their application without me chasing them.

DC

David Chen

Senior Loan Officer, 14 years experience

Self-employed borrowers always struggle with income documentation. LoanPilot's guided flow made it actually understandable. My wife and I closed in 28 days.

MT

Marcus T.

Business owner, Charlotte NC

Common questions

FAQ

Does applying hurt my credit score?

Checking your pre-qualification through LoanPilot uses a soft credit pull, which does not affect your score. A full application with a hard pull only happens when you're ready to proceed.

How long does the process take?

Most borrowers complete their application in 20–30 minutes. Pre-qualification results are instant. Full loan approval typically takes 21–30 days depending on your situation.

What documents will I need?

For a typical purchase loan: last 30 days of pay stubs, W-2s for the past 2 years, tax returns for the past 2 years, and 60 days of bank statements. We'll guide you through exactly what's needed for your situation.

Is my personal information secure?

Absolutely. We use bank-level 256-bit encryption, SOC 2 Type II certified infrastructure, and never sell your data. Your information is only shared with lenders you explicitly authorize.

What if I'm self-employed?

We have a specialized flow for self-employed borrowers. You'll provide 2 years of tax returns and we'll calculate your qualifying income correctly — including business deductions analysis.

Your keys are closer than you think.

Start your application today. No hard credit pull, no commitments, no jargon — just a clear path to home.