Gateless, Inc

Gateless serves mortgage lenders, banks, and credit unions across the U.S. who are seeking to streamline and modernize their mortgage operations through AI-driven automation. Our core audience includes retail and wholesale lenders, independent mortgage banks (IMBs), and regional financial institutions. We support operations leaders, underwriters, processors, and risk/compliance teams focused on increasing speed, consistency, and accuracy across the loan lifecycle.

Our solutions include:

• Smart Underwrite® – a rules-based underwriting automation engine designed to integrate seamlessly with a lender’s POS and LOS. It performs real-time analysis the moment data or documentation is received, automating the work typically done by processors and underwriters. Smart Underwrite reviews, analyzes, and calculates borrower data—including credit, income, and assets—and writes the results directly back to the lender’s system of record. It drives operational efficiency, improves borrower experience through faster approvals, and significantly reduces risk associated with human error, helping lenders avoid costly penalties or investor repurchase requests.
• VeriClear™ – the standalone income analysis and calculation component of Smart Underwrite. VeriClear automates income calculations by extracting key data from borrower-supplied documents such as W2s, paystubs, and tax returns. It provides lenders with an entry point to underwriting automation without the larger process change required by a full Smart Underwrite implementation. VeriClear has also shown potential for use in additional lending verticals outside of home finance.

Geographical Target:
Gateless primarily serves the U.S. mortgage industry. Our clients include lenders in key markets such as California, Texas, New York, Illinois, and Florida, as well as across the Midwest, Northeast, and Southeast regions. We are a remote-first company headquartered in Chicago with a distributed workforce and maintain a strong presence in national mortgage and lending events hosted by organizations like MBA and MISMO. Our technology is built for scale and compliance in the U.S. market, with potential expansion into adjacent lending sectors in the future.