CRE Loan Underwriting Software Compared

MightyBot is a policy-driven AI agent platform, in production at over 30 banks and lenders. On a CRE package, agents extract rent rolls unit by unit and operating statements line by line, classify appraisals and environmental reports, and map every field to a consistent schema whether the file is a Yardi export, a scan or a typed PDF.

Your credit box is written as plain-English policies by property and loan type. DealScreen runs knockout rules first, cross-checks the package and, on multifamily deals, ties the rent roll to the T12.

MightyBot's CRE workflows size loans on DSCR, LTV and debt yield, with the most restrictive metric binding. SponsorCheck reconciles each principal's PFS to the real estate schedule and records every sanctions or public-record hit with its source.

ValueCheck tests the appraisal against the engagement letter and recomputes the income approach.

Every figure links to the page and line it came from, and anything outside policy routes to a person with the context attached. Each screening memo lists every test, exception and source page, and every submission runs under the same policy version.

Pursue or decline stays with your credit team. The same platform carries the loan through boarding, insurance compliance and maturity risk, so intake, committee and loan review work from the same data.

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Blooma's Origination Intelligence module says "Blooma supports parsing of offering memorandums, rent rolls, operating statements, construction budgets," personal financial statements, real estate schedules and tax returns, and lets teams "Analyze borrower data, loan metrics, and criteria in seconds" to "Get an early, accurate view of each deal's risk profile."

"For small teams, Blooma Pro delivers essential tools that can be quickly set up," and "For larger institutions, Blooma Enterprise offers a fully customizable solution." The company says it "partners with many of the leading commercial real estate data providers" for comparables and submarket data, and claims to be "20x faster than manual processes."

On its home page Blooma positions itself as an insights engine that augments the lender's existing stack and says it is not an LOS, CRM or data provider. Blooma also describes continuous portfolio monitoring and risk alerts.

The pages do not state sponsor reconciliation, appraisal review, source-level links from each figure to its page, named LOS integrations, or pricing.

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Docsumo says "Underwriters get a checked property file and only the exceptions." It reads "Rent rolls, T12 operating statements, leases and offering memorandums, read line by line and tied out against each other," with "Every unit row and statement line, each with a confidence score."

The rent roll is checked "against the T12, the leases and the OM, under your rules," and the tool "Flags a gap above your threshold." A reviewer can "Click a value to see the line on the rent roll or T12 it came from."

Docsumo publishes "99% field-level accuracy on 250+ document types" and "95%+ of documents processed straight through, no manual review." Cross-document validation "and case management, which tie out a whole property file, are on the Enterprise plan," and a free trial covers "1,000 pages over 14 days."

The page does not state sponsor or guarantor checks, appraisal review, credit box tests beyond the rent roll and T12 tie-out, or plan prices. Docsumo prepares and checks the documents; sizing and the credit decision happen in your model.

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Smart Capital Center's lender page says "Lenders size loans and flag risk faster, with AI-powered speed and clarity across CRE origination." It "extracts and structures data from OMs, rent rolls, financials, leases, appraisals, inspections" and maps rent rolls, leases and financials "into your model."

"AI agents handle borrower screening, property valuation, and market analysis," and "Lenders see DSCR, LTV, and cash flow instantly, with anomalies and risks flagged across hundreds of variables." For insurance review it says "Every finding links to its source page," and underwriting metrics are evaluated "with source-backed data."

The same platform offers "Real-time loan and covenant monitoring." The page says "leading banks, insurers, and investors trust the platform" and cites a customer that "cut financial model prep time by 40%."

The page does not state a page link for every underwriting figure, how the credit box is configured, or prices; its pricing page lists a free Starter plan, a Professional plan priced per property and custom Enterprise pricing.

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Rockport's feature overview says "Rockport CORE centralizes the full CRE loan lifecycle, from pipeline and integrated Excel underwriting through securitization, asset management, reporting, and governance," in a platform "built specifically for commercial real estate lenders."

Underwriting features include "Loan Sizing: Efficient, Quick Sizing feature integrated with Excel underwriting models to streamline early-stage deal evaluation," "Detailed Rent Roll Ingestion & Analysis: Structured capture and evaluation of tenant-level income data," "Lease Rollover Modeling" and "Third-Party Report Integration: Incorporation of appraisal, PCA, environmental, and other external data."

Asset management adds "Operating Statement & Rent Roll Ingestion" for "performance comparisons to underwriting" and "Covenant Tracking & Compliance Monitoring" with "threshold testing, exception tracking and integrated tickler notifications." The platform keeps a "Field-Level Audit Trail."

Rockport's home page says CORE "enables all types of CRE Lenders," B-piece buyers and rating agencies.

The overview does not state automated extraction from PDF rent rolls or offering memorandums, credit box knockout tests, sponsor financial review, appraisal review against the engagement letter, links from figures to document pages, or pricing. Sponsors appear in the CRM as tracked relationships.

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Abrigo's credit risk page says "We streamline credit spreading, risk rating, pricing, and servicing" and promises to "Spread loans quickly to understand borrower's global cash flow and credit risk compared to industry peers."

Teams can "Leverage global cash flow analysis to assess complex entities' income and debt compared to industry peers" and "Leverage projections and proprietary industry data to make more informed C&I, CRE, and MBL loan decisions."

The platform "generates standardized credit memos, risk rating documentation, and supporting reports within a controlled workflow," which "creates a clear audit trail and consistent credit presentation." Governed AI agents in Abrigo APX handle "follow-ups, ticklers, and covenant/document exception routing." The page addresses community banks and credit unions.

The page does not name rent rolls, T12s or other CRE property documents, credit box knockout tests, appraisal review, links from figures to source pages, or pricing. CRE appears as a loan type among others inside a bank-wide credit platform.

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Clik.ai offers "AI-powered spreading of T12s, rent rolls, and operating statements into production-ready financial models" and lists "Automated Underwriting" as a product area. Its lease service will "Extract and audit critical lease data with expert-driven review and validation at portfolio scale," and a data service will "Convert legacy loan data from documents into structured, reliable records at scale."

It says "Clik AI powers the underwriting, servicing, and data operations for the institutions that move capital" and claims "99% accuracy across every document and workflow." Salesforce customisation and integration is listed as a service. Clik.ai also describes portfolio analytics, reporting and performance tracking.

The page does not describe credit box tests, sponsor checks, appraisal review, per-figure source links, the basis of the accuracy figure, or pricing.

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Lev's financial spreading page describes uploading T-12s, rent rolls and statements into a review-ready model. In its words, "Lev Index normalizes the package, and the underwriting agent turns it into a review-ready model."

Lev Index will "Classify and extract financial packages into structured, comparable fields," and "Source links stay attached so every number can be audited." A document extractor agent will "Extract key CRE facts from uploaded documents and route exceptions to reviewers," and the output is meant to "Give credit and investment teams a consistent output."

Lev's underwriting agent page says the agent will "Analyze rent rolls, operating statements, comps, and assumptions into a review-ready underwriting view" while "surfacing risks, diligence questions, and source-backed checks," with "Observations stay tied to the documents behind them."

The pages do not state credit box tests for a lender's own criteria, sponsor or appraisal review, or pricing. Lev's wider product system covers CRM, pipelines, data rooms and lender search for sponsors, brokers and capital markets teams as well as lenders.

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nCino says "With nCino, you can efficiently and proactively originate, analyze, and monitor Commercial Real Estate (CRE) loans," and that the module "supports the full CRE lending lifecycle, from origination and underwriting to analysis and ongoing monitoring."

Teams "Manage units, tenants and leases alongside property collateral" with "automatically calculated occupancy, lease expiry and income insights," can stress-test up to 7 variables aligned to credit policy, and "Monitor lease rollover, vacancy and tenant concentration with automated early warnings."

The page does not state extraction from rent roll or T12 documents, sponsor checks, appraisal review, source links, or pricing. nCino's site rate-limits direct fetches; the quotes were checked on a rendered copy of the page on the verified date.

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Moody's says "Commercial real estate (CRE) lending requires more than evaluating a borrower" and that "Moody's Lending Suite for CRE brings together property, borrower, market, and financial data." The suite will "Support activities such as financial spreading, credit memo preparation, covenant monitoring."

Its underwriting and decisioning page says "our coordinated AI agents generate transparent, structured memos ready for expert review in minutes" and "GenAI assists in the underwriting process, extracting and synthesizing information from various sources."

Moody's separate commercial real estate page says its tools "support every stage of the CRE lifecycle," including lending, underwriting and data ingestion, with data on "8+ million" commercial properties; that is the breadth of Moody's CRE data, not a description of a single Lending Suite module.

The pages do not state rent roll or T12 extraction, credit box screening, appraisal review, per-figure source links, or pricing.

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Archer promises to "Automate underwriting, analyze deals, and track your deal pipeline - all in one place," and says "Archer's platform powers multifamily professionals by automating CRE," with "Rent roll and T12 parsing in under 10 seconds" and "your own model loaded in about a minute."

Its lender line reads "Consistent spreading into your template, portfolio monitoring on autopilot." Investors get "End to end RE investment analysis and deal management for your whole team," and brokers can "generate BOVs automatically."

An Excel integration saves parsing and underwriting details to the customer's own cloud.

The page does not state credit box tests, sponsor or appraisal checks, source links from figures to pages, or pricing. Parsing times are the vendor's own figures.

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Dealpath's lending page says "Dealpath enables CRE lenders and debt investors to manage their loan and origination pipelines, execute on complex debt deals, and track their loan portfolios." Origination teams can "Screen incoming debt deals and track your origination pipeline," and the platform will "Extract data from broker listings and incoming debt opportunities" and "Ingest new loan requests via automation, combined with human review."

Underwriters can "Drag and drop models and pro formas into Dealpath" and "Compare underwriting models for different scenarios," approvals "Generate credit memos and record closing details," and portfolio dashboards "monitor covenants including DSCR, debt yield, and LTV ratio."

The system will "Create an audit log of who made changes when," and an agency lending section covers Fannie, Freddie and HUD diligence items.

The page does not state extraction from rent roll or T12 documents, credit box knockout tests, sponsor financial review, appraisal review, links from figures to document pages, or pricing. Dealpath describes uploading models and pro formas, comparing underwriting scenarios, and managing the surrounding loan workflow.

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