Griffin Funding has launched an internal artificial intelligence-driven platform designed to help loan officers navigate the complex world of non-QM lending. The tool, known internally as “LIA,” pulls hundreds of pages of program guidelines into a single system and uses AI to deliver tailored answers to loan qualification questions, according to Chloe Shubin, vice president of strategy for Griffin Funding. The company partnered with AI engineering firm Cadre to build out the automated underwriting system (AUS. “Instead of flipping through 200 pages of guidelines or relying on tribal knowledge, LIA gives our staff a starting point with qualified answers and flags potential issues upfront,” she added. The platform includes four chat modes: find a product, test a product, chat with a PDF (most likely a credit report, Shubin explained) and 3.4 MISMO upload. Each mode allows users to search loan products, upload credit reports or integrate loan application files to test program eligibility. It also connects with lenders to do pricing checks and is being expanded to pull property profile data directly. As for quality control and compliance, Shubin said that Griffin LOs who use the platform need to perform due diligence as they navigate a loan. For now, LIA is being used internally as part of Griffin Funding University, the firm’s training program for new hires. But the company hasn’t ruled out eventually offering the product more broadly once it has been fully “hardened” against errors. A key feature set to debut later this month is source citations, which will link LIA’s answers directly to the relevant section of investor guidelines. That, Shubin said, should give loan officers and underwriters added confidence in the system’s recommendations.