That’s why we built 
the private AI platform that runs on your own servers, answers from your own documents, and points to the exact line behind every answer. Your team can be using it in four weeks, at one fixed cost.
Runs onYour serversYour cloud accountAir-gapped networks
What do we require from third-party originators?
Searching your documentsSearched Lending Policy Generic Bank MI.pdf
Based on your lending policy, third-party originators on indirect home equity lines must meet these terms:
3 sourcesLending Policy Generic Bank MI.pdf, p. 37
Cited passage
All participating third-party originators will sign a Sales Contract and Originator Agreement.
| Rate Change Frequency: | Monthly. |
| Interest Rate Ceiling: | Maximum rate permitted by applicable law. |
| Interest Rate Floor: | 2.99%. |
| Maximum Full Plan Term: | Twenty (20) years. |
| Maximum Draw Period: | Ten (10) years from plan establishment. |
| Minimum Payment: | Interest only during the draw period; amortizing during repayment. |
| Maximum Credit Limit: | $250,000. |
| Maximum LTV: | 95%. |
| Appraisal: | Full appraisal required. |
| Lending Area: | Contiguous United States, subject to the bank’s state licensing and applicable restrictions. |
General Guidelines
37
Ask in plain words. Every answer links to the line it came from.
See how it works →Jobs run on a schedule, or when an email, file, or message arrives.
See an agent →Live transcripts with consent tracking, then minutes, a deck, or a tracker.
See meeting notes →Chats, agent runs, and admin changes, searchable for your examiners.
See the portal →How it works
Private AI keeps the model, your files, and every answer on servers you control.
Point Lumen at SharePoint, Confluence, Salesforce, NetSuite, or a file share. Each person gets answers from the files their login can already open.
Type the question the way you'd ask a colleague. Agents can ask on a schedule too, every night if you like.
Every answer links to the passage it used, highlighted in the original file. When your files have no answer, Lumen says so.
Ask in plain words. Every answer links to the line it came from.
What insurance must a borrower carry on a direct vehicle loan?
Searched Lending Operations Manual
Comprehensive and collision coverage for the life of the loan, with the bank named as lienholder [1].
The bank must also hold a first and exclusive lien on the vehicle [2].
1 Lending Operations Manual, p. 142 p. 14
Describe a job once. It runs on a schedule or when an email, upload, or message arrives.
Runs whenSchedule · Weekdays at 7:00
Run finished at 7:01 AM
Shared assistants your admins set up, each with its own instructions and tools.
Each persona sees only the files you can already open.
Check this vehicle loan file against our insurance rules.
Searched Lending Operations Manual
One item is missing: the policy must name the bank as lienholder [1]. Coverage type and term meet the rules.
1 Lending Operations Manual, p. 14
Live transcripts with consent tracking, then minutes, a deck, or a tracker in one click.
Dana Whitfield AllowedMarcus Lee AllowedPriya Shah Allowed
Dana Coverage drops to 1.06x on the tax returns.
Marcus Then we need a guarantor before committee.
Priya I’ll draft the conditions by Thursday.
Minutes (DOCX)Deck (PPTX)Tracker (XLSX)
Three questions from our demos, answered from sample documents. Each citation links to the exact passage behind it, highlighted in the original file.
Commercial lending
Get me up to speed on this loan package and check it against our loan policy.
Tollard wants a $4.4M equipment loan and a line raised to $3.0M. Debt service coverage is 1.38x on the financial statements and 1.06x on the tax returns, against a 1.25x minimum [1].
2025 revenue differs by $1.5M between the two [2].
2 sources1 Loan Policy §4.22 1120-S, 2025
Sample loan package and bank policy
Family office
What's our total exposure to Vellacourt across every entity?
$22.7M across four entities, counting NAV plus unfunded commitments. That includes a Birchline Topco co-investment the holdings report lists without a Vellacourt tag [1].
A $10M Fund IV commitment would reach 5.45%, over the 5% cap [2].
2 sources1 Co-invest §6.12 IPS §3.4
Sample fund documents and investment policy
Anti-money laundering
Nine $9,500 cash deposits this week. What's our deadline to file a suspicious activity report?
File within 30 calendar days of first detecting the activity. If no suspect is identified, you can take up to 30 more days [1].
Send the pattern to the anti-money laundering team for review within 2 business days [2].
2 sources1 BSA/AML Policy §6.22 BSA/AML Policy §6.1
Sample BSA/AML policy
Models, documents, and audit logs run on servers you control, inside your network.
The platform arrives built, with the parts your team would otherwise spend months on. Then a 90-day pilot on your documents.
The price stays the same however much you use it, so agents can run on every file, every night.
A 30-minute live demo. We reply within 24 hours.
See it in action