chit at work
An AI note taker for loan officers
Who carries it: Loan officer
A pipeline dies quietly — the lock deadline nobody diarized, the condition nobody chased. An AI note taker for loan officers captures borrower consults and rate-lock conversations as they happen, and hands back locks promised, docs needed, and follow-ups queued, every evening.
The rate you quoted is a compliance artifact. Capture it.
When a loan officer presses it
- Borrower consults
- rate-lock conversations
- condition chases
“Retail loan officer; track quoted rates, lock deadlines, and doc requests.”
A context like this — typed once into the app — is how chit stops being a generic recorder and starts being yours.
Locks promised, docs needed, follow-ups queued.
Quoted terms and lock conversations on record, resident in the bank's own VPC.
Quoted-terms record supports compliance; bank VPC.
What you quoted, when you quoted it
A loan officer quotes rates all day, and every quote is a moving number attached to a moment. Borrowers remember the best number they ever heard, which is rarely the number that was live when they called. Recap the call as it ends — rate, points, the lock window, the docs you asked for. It becomes a timestamped transcript, and ask-anything search finds it weeks later when the borrower is certain you said something else. The other half is the condition chase, which is pure attrition: four borrowers, eleven outstanding documents, all requested verbally. The evening digest turns those requests into a list instead of eleven things you are holding in your head between calls.
See the app work
Good questions
How do I keep rate-lock deadlines from slipping?
The daily digest pulls every spoken deadline and commitment into a next-steps list, and calendar connections put lock dates where you'll see them. The deadline stops living in your head.
Can I recall exactly what I quoted a borrower?
Yes. Hold the button and recap the call — rate, points, lock terms — and it becomes a timestamped transcript. Ask-anything search finds the quote weeks later, so your own recollection isn't the only record. It doesn't replace your Loan Estimate or any disclosure your compliance team requires.
Does it work with my email and calendar?
Yes — the $9/month membership connects your calendar and mail, so doc chases and follow-ups arrive as drafted messages and dated events, in the inbox and calendar you already use.
Is it recording my calls automatically?
No. chit records only while the button is physically held — no wake word, no always-on mic. Most loan officers use it for a thirty-second recap the moment a call ends.
Our bank requires control of customer data — can we deploy this?
Yes. Lenders deploy chit as a branded device fleet with data resident in the bank's own VPC, keeping the quoted-terms record inside your environment. See hichit.com/enterprise, and ask us about compliance deployments.
Recording laws differ by state, and several require every party's consent. chit only captures while the button is held — know your state's rule before recording another person.
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