About Sonar
What is Sonar?
Sonar is an AI agent platform for mortgage lenders. Our Apex AI Agents automate loan work across your operation—handling tasks for loan officers, processors, underwriters, closers, and compliance teams. We work seamlessly with your existing LOS, transforming 2-hour tasks into 15-minute reviews.
For mortgage brokers, we offer a complete all-in-one platform with POS, LOS, CRM, and PPE functionality.
Who is Sonar for?
For Enterprise Lenders:
Sonar Apex is built for high-volume mortgage operations looking to deploy AI automation without replacing their existing systems. If you want intelligent agents that work with your current LOS, Apex is for you.
For Brokers:
Sonar’s all-in-one platform gives brokers everything needed to originate loans—POS, LOS, CRM, and pricing engine in one system.
Why choose Sonar?
Unlike generic AI tools, Sonar is built by mortgage professionals who understand your workflows. Our AI agents actually do the work—reviewing documents, generating conditions, verifying data, and coordinating tasks—while your team focuses on judgment calls and customer relationships.
What makes Sonar different from other mortgage AI?
Sonar is entirely configurable and customizable to your operation. Our AI agents can process and underwrite all types of mortgages—conventional, FHA, Non-QM, fix-and-flip—because they learn your specific guidelines and requirements.
We offer both off-the-shelf agents for fast deployment and completely custom agentic workflows for teams that want full control over how AI operates in their business. Most importantly, our agents can control the entire platform: almost anything a human would do in their LOS can be done by the agent—reviewing loans, updating data, generating documents, ordering services, and managing workflows end-to-end.
About Apex AI Agents
What are Apex AI Agents?
Apex AI Agents are intelligent assistants that handle mortgage work across all roles. They review documents, extract data, verify information, generate conditions, identify issues, and automate repetitive tasks. Think of them as your mortgage expert team that works 24/7.
Do I need to replace my LOS to use Apex?
No. Apex works with your existing LOS. We integrate seamlessly so your LOS remains your system of record while Apex becomes the intelligent workspace where your team actually works. No rip-and-replace required.
What tasks can Apex AI Agents handle?
- Instant document and data analysis
- Income and asset verification
- Compliance checking and condition generation
- Loan file completeness review
- Borrower communication and updates
- Issue identification before they become problems
- And much more—just ask the AI what you need
How do I interact with Apex?
Two ways: natural language commands and automated triggers.
Natural Language: Just tell the AI what you need: “Please change loan amount to $425k” or “Can you resend the updated pre-approval letter?” You can also ask questions: “Give me a quick overview of this loan” or “What’s missing for clear to close?”
Automation Platform: Set up triggers so Apex works automatically. For example, when certain documents are uploaded, Apex can immediately start a full loan analysis. By the time a loan officer or processor checks the file, they already know exactly what’s important and what needs to be done to move the loan to underwriting.
What's the difference between Sonar Core, Plus, and Custom?
Core: Out-of-the-box AI agents that integrate with your existing LOS. Fast deployment, proven workflows.
Plus: Everything in Core plus our modern Point of Sale interface for a premium borrower experience.
Custom: Everything in Plus plus fully configured agents tailored to your unique workflows. Perfect for specialized lenders (Non-QM, fix-and-flip, etc.) and large-scale enterprises that want full control over their AI automation.
How long does it take to deploy?
Core tier: Days to weeks
Plus tier: Days to weeks
Custom tier: Customized timeline based on your specific requirements
We handle implementation and training to ensure your team is set up for success.
About the Point of Sale (POS)
What is Sonar's Point of Sale?
A modern, AI-powered borrower interface included in Sonar Plus and Custom tiers. Borrowers can apply, compare rates, lock rates, upload documents, track loan status, and schedule closing—all in one beautiful, white-labeled experience.
How does the POS work with AI agents?
Documents uploaded by borrowers are instantly analyzed by Apex AI Agents, who provide real-time feedback on requirements and quality. Status updates happen automatically. It extends AI intelligence all the way to your applicants.
Can I white-label the POS?
Yes, fully customizable with your branding, colors, and identity throughout the entire borrower experience.
Integration & Technical
What systems does Apex integrate with?
Apex integrates with major LOS platforms, credit and verification providers, and product pricing engines. We’re designed to work seamlessly with your existing tech stack.
Do you have an API?
Yes, full API access is available in the Custom tier for high-volume operations that want to build custom automations and integrate Apex into their existing workflows.
Can Sonar work with my CRM?
Yes, we can integrate with existing CRM systems through our API. Custom tier customers get dedicated support for custom integrations.
Do you help with implementation?
Yes. We take time to understand your workflow and configure Apex to fit your organization’s needs. Our onboarding includes training to ensure your team is set up for success.
Security & Compliance
How do you keep our data safe?
We’re SOC 2 Type II certified with end-to-end encryption (HTTPS in transit, AES-256 at rest). Each customer’s data is stored in dedicated databases—never co-mingled. We conduct regular penetration testing with top-tier cybersecurity experts.
Is Sonar compliant with mortgage regulations?
Yes, our platform is built with compliance in mind, including audit trails, disclosure tracking, and regulatory requirement monitoring.
For Mortgage Brokers
What does Sonar offer brokers?
A complete all-in-one mortgage origination platform: POS, LOS, CRM, and product pricing engine functionality. Everything you need to originate and close loans in one system.
How is the broker platform different from the enterprise offering?
The broker platform includes all the LOS functionality needed by mortgage brokers, along with POS, CRM, and PPE capabilities—everything in one system. Brokers can also use Sonar’s Apex AI agents for intelligent automation.
The enterprise offering (Apex AI Agents) is designed to work alongside existing LOS systems as an intelligent AI layer. Enterprise lenders keep their current LOS while adding AI automation on top.
Pricing & Getting Started
How much does Sonar cost?
Pricing varies by tier and deployment. Contact us for a custom quote based on your operation’s needs.
How do I get started?
Schedule a discovery call. We’ll learn about your operation, show you a custom demo, and create a tailored deployment plan.
Can I try Apex before committing?
Contact us to discuss pilot programs or proof-of-concept deployments for your operation.
Still have questions?
