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Your Loan Processors Spend More Time on Paper Than on Borrowers

Loan packages take 5 hours to process. Compliance eats your staff alive. Board reports take two weekends to assemble. DxLogic builds AI workflows that handle the operational burden — so your team can serve members and grow deposits.

Find Your Workflow →
5 hrs → 45 min
Loan Processing
Zero
Missed Filings
60 days
First Workflow Live

AI Workflows We Build for Community Banks & Credit Unions

Purpose-built automation for community banks, credit unions, and mission-driven lenders.

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Loan Document Processor

AI classifies and extracts data from loan application packages — income verification, tax returns, bank statements, collateral documents. Validates completeness, flags missing items, and pre-fills the loan origination system. The 5-hour document review compresses to 45 minutes.

5 hrs → 45 min per loan
See How This Works →
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BSA/AML Report Automation

AI monitors transaction patterns, generates Currency Transaction Reports and Suspicious Activity Reports, and tracks filing deadlines with FinCEN. Your compliance team reviews flagged items instead of hunting through transaction logs manually.

80% less monitoring time
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Member Communication Generator

AI drafts personalized communications for account reviews, rate change notifications, product recommendations, and maturity date reminders based on member profiles. Every member gets proactive outreach, not just the top accounts.

3x more member outreach
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Account Opening Intake

AI processes new account applications from any channel — branch, online, phone. Verifies identity documents, performs OFAC screening, and opens accounts in the core. The 30-minute branch process drops to 5 minutes.

15 min → 5 min account opening
See How This Works →
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Regulatory Compliance Tracker

AI monitors regulatory changes from FDIC, NCUA, CFPB, and OCC. Maps changes to internal policies, generates compliance impact assessments, and tracks remediation. Your compliance officer reads a summary instead of 200 pages of regulatory updates.

Zero missed regulatory changes
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Board Report Generator

AI consolidates loan portfolio data, deposit trends, delinquency rates, capital ratios, and compliance status into board-ready reports and presentations. The CFO reviews and approves instead of spending two weekends assembling.

2 weeks → 2 hours board prep
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Results from Institutions Like Yours

How community banks and credit unions eliminated manual bottlenecks and served more members.

Case Study

From 5-Hour Loan Processing to 45 Minutes — Borrowers Stopped Going Elsewhere

A community bank processing 150 loan applications per month was losing borrowers to faster lenders. Each application required a loan processor to manually review 40+ documents — tax returns, pay stubs, bank statements, collateral appraisals — and re-key the data into the loan origination system. By the time the package was ready for underwriting, borrowers had already received approval elsewhere.

DxLogic built a document processing workflow that classifies incoming documents, extracts key data, validates completeness, and pre-fills the LOS. Loan processing time dropped from 5 hours to 45 minutes per application. Close rate improved because borrowers stopped going elsewhere while waiting.

85%
Faster Processing
5 hrs → 45 min
Per Application
Higher
Close Rate
Get Results Like These →

Want results like these for your bank or credit union?

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"Our loan processors went from buried in paper to actually talking to borrowers. The close rate improved because we stopped losing people to faster lenders."
— VP of Operations, Community Bank

The Day-to-Day Difference

What changes when your banking workflows stop being manual.

Before (Manual) After (DxLogic AI Workflow)
Loan processor manually reviews 40+ documents per application. Takes 5 hours. Borrower waits days for a decision. AI classifies, extracts, validates, and pre-fills in 45 minutes. Loan officer gets a complete package ready for review.
BSA officer manually monitors transactions in spreadsheets. Suspicious patterns found weeks after the fact. AI flags suspicious patterns in real time, generates CTRs and SARs automatically. BSA officer reviews instead of hunts.
Member communication limited to quarterly statements. No proactive outreach on rate changes or product recommendations. AI generates personalized outreach for every member based on their activity, maturity dates, and life events.
New account opening takes 30+ minutes at the branch. ID verification and OFAC screening done manually. AI processes application, verifies documents, screens OFAC, and opens account in 5 minutes.
Compliance officer reads 200+ pages of regulatory updates monthly. Changes missed until the exam. AI surfaces relevant changes with impact assessment. Policy gaps identified before the examiner does.
CFO assembles board packet over 2 weekends. Manually pulling data from core, consolidating in Excel. AI generates board reports automatically from core system data. CFO reviews in 2 hours instead of 2 weekends.

Built for Teams Running These Operations

If any of these describe your day-to-day, we built this for you.

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Community Banks ($100M-$2B Assets)

You compete with big banks on service but can't match their technology. Loan processing takes days. Your compliance team is 2-3 people covering everything from BSA to CRA. You need AI that levels the playing field without replacing your personal touch. The relationship stays human. The paperwork doesn't have to.

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Credit Unions (5,000-50,000 Members)

Member service is your mission, but your staff spends more time on paperwork than on members. Loan decisioning is manual. Board reports take weeks. You need AI that frees your team to do what credit unions do best — serve members. Every hour the AI saves on compliance is an hour your team spends with a member.

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CDFI & Mission-Driven Lenders

You serve underbanked communities with limited staff. Every hour spent on compliance is an hour not spent on your mission. Your loan volume is growing but your team isn't. AI handles the regulatory burden and document processing so your team can focus on the communities you serve.

Common Questions About AI Workflows for Community Banking

Does this integrate with our core (Jack Henry/Fiserv/FIS)?▾
We don't replace your core banking system. We build on top of it. The AI reads data from your core, processes it, and writes back. Jack Henry, Fiserv, and FIS all have APIs and data export capabilities we connect to. Your tellers and loan officers keep using the same screens they use today. The AI handles the work between systems — the document review, the data extraction, the report generation — that your team currently does manually.
We're examined by regulators. Is this compliant?▾
Banking is the most regulated industry we work in. Every workflow includes complete audit trails, version control, and human-in-the-loop review. The AI drafts the SAR — your BSA officer reviews and files it. The AI extracts loan data — your loan officer validates it. Examiners see a documented, auditable process with clear human oversight at every decision point. Most examiners prefer this to the alternative — spreadsheets, sticky notes, and hoping someone remembered to check.
What about data security for financial records?▾
We build within your infrastructure. Your data stays in your environment — behind your firewall, on your servers, under your controls. We follow SOC 2 practices and design every workflow with encryption at rest and in transit, role-based access controls, and complete audit logging. We've worked with HIPAA-regulated healthcare data. GLBA and bank regulatory requirements are well within our security standards. Your IT team has full visibility into everything.
We have 3 branches. Does this work across locations?▾
That's exactly the scenario where it works best. Multi-branch operations have the hardest time maintaining consistent processes. Each branch has slightly different procedures, different skill levels, and different capacity. The AI standardizes the workflow across all locations — same document processing, same compliance checks, same member communication. Your branches run consistently without requiring identical staffing at each location.
Our loan officers won't trust AI with loan decisions.▾
Good — because the AI doesn't make loan decisions. Your loan officers do. The AI handles the work that happens before the decision — classifying 40+ documents per application, extracting income data from tax returns, validating completeness, flagging missing items. Your loan officer gets a complete, organized package instead of a stack of papers. They make the decision faster because the data is already extracted and validated. The AI is a processor, not a decision-maker.
How long until we see results?▾
First workflow live in 60 days. We start with a 2-week assessment where we map your operations and identify the highest-ROI automation. Then we build in 2-week sprints. Most community banks start with loan document processing because the time savings are immediate and measurable — 5 hours down to 45 minutes per application. You'll see the impact within the first 90 days.
We're a credit union — we don't have a big IT budget.▾
You don't need one. The audit costs $5K-$10K. A typical build runs $25K-$75K. The monthly retainer is $3K-$8K. Compare that to hiring even one additional loan processor or compliance analyst at $50K-$70K per year. The AI does the work of 2-3 full-time staff on the tasks it automates. For a credit union processing 100+ loans per month, the loan processing workflow alone typically pays for the entire engagement within 6 months.
What happens during an exam if regulators ask about the AI?▾
Every workflow produces a complete audit trail — what data went in, what the AI did with it, who reviewed the output, and what decision was made. We document the model, the logic, and the controls. When an examiner asks, you hand them a clear, documented process. Most examiners respond positively because they see structured, repeatable processes with human oversight — which is exactly what they want to see. It's a lot easier to examine than "Karen knows how to do this and she's been here 15 years."

Stop Losing Borrowers to Slower Processing

Book a free 15-minute AI Assessment. We'll map your banking operations, identify where manual processes are costing you borrowers and staff hours, and show you the 3 workflows with the highest ROI. No commitment. No generic pitch. Just a clear picture of where your institution is losing efficiency to manual processes.

Schedule Your AI Assessment →

First workflow live in 60 days. Cancel the retainer with 30 days notice. No lock-in.