> ## Documentation Index
> Fetch the complete documentation index at: https://docs.getpathpilot.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Loan Origination: WhatsApp Agent for Applications

> PathPilot Loan Origination is a WhatsApp AI agent that collects applicant data, validates documents, and integrates with your decisioning engines.

PathPilot Loan Origination is a WhatsApp-first agent that walks applicants through a complete loan application. It collects the data and documents your product requires, validates them, calls your decisioning engines, and communicates the outcome, all inside the applicant's chat.

## What it does

* Guides applicants through a customer-configurable application flow.
* Collects required data and documents through native WhatsApp components, buttons, list messages, and Flows.
* Validates fields and documents for completeness, readability, expiration, applicant match, and consistency.
* Integrates with your pre-approval and approval engines and normalizes outcomes into a standard set of decisions.
* Communicates status, missing requirements, and final outcomes back to the applicant in plain language.
* Escalates to a human when policy, compliance, or applicant frustration requires it.

## Who it is for

* Consumer and SMB lenders originating loans through WhatsApp instead of web forms.
* Fintechs that already have decisioning engines and want a conversational front door.
* Teams in Latin America and other WhatsApp-first markets where chat is the primary channel.

## Core capabilities

<CardGroup cols={2}>
  <Card title="WhatsApp Conversation Interface" icon="whatsapp">
    Inbound and outbound conversations on each customer's own WhatsApp Business number, with buttons, list messages, Flows, and templates.
  </Card>

  <Card title="Account Connection" icon="link">
    Meta Embedded Signup so customer admins connect their WhatsApp Business Account and phone number from your dashboard.
  </Card>

  <Card title="Application Data Collection" icon="clipboard-list">
    Configurable schemas for required fields, conditional fields, consent copy, and disqualifying criteria, with progressive save and resume.
  </Card>

  <Card title="Document Validation" icon="file-shield">
    Checks for readability, supported file type, expiration, applicant match, tampering signals, and required content, with an audit trail.
  </Card>

  <Card title="Qualification & Decisioning" icon="scale-balanced">
    Pre-approval and approval engine integrations with normalized outcomes: approved, conditionally approved, declined, pending review, or needs more information.
  </Card>

  <Card title="Human Handoff" icon="user-headset">
    Escalates to a human agent on policy, compliance, ambiguity, or applicant frustration, with full context preserved.
  </Card>
</CardGroup>

## Applicant experience

<Steps>
  <Step title="Applicant starts or resumes on WhatsApp">
    The agent identifies the customer, product, locale, and applicable application flow.
  </Step>

  <Step title="Agent asks only for what is missing">
    Data is collected through native WhatsApp components. Progress is saved so applicants can resume later.
  </Step>

  <Step title="Documents are collected and validated">
    Uploads are checked automatically. Mismatches trigger corrections in plain language, without exposing internal rules.
  </Step>

  <Step title="Decisioning runs">
    Once minimum data is available, pre-approval runs. On completion, the final approval engine is called and the response is normalized.
  </Step>

  <Step title="Outcome is communicated">
    The applicant receives an approval, conditional approval, decline, or next-step message, or is handed to a human when needed.
  </Step>
</Steps>

## Multi-tenant by design

Each customer connects their own WhatsApp Business number and account. PathPilot handles onboarding, webhook routing, credentials, agent orchestration, and validation, but the applicant-facing sender identity stays as your customer's approved number.

## Get access

<Card title="Request access at getpathpilot.com" icon="arrow-up-right-from-square" href="https://getpathpilot.com">
  Contact us to enable Loan Origination for your organization and receive onboarding, credentials, and full technical documentation.
</Card>