The property analysis part can fit inside one day: Titleman underwrites the collateral from a complete loan request package in a measured median of about 58 minutes. Whether the whole review drops from 5 days to 1 depends on what AI does not touch, namely missing documents from the borrower, the borrower credit review, the credit memo and approval, and Titleman has not measured any bank's end-to-end review time.
Updated 19 October 2026. Published by Titleman, which makes one of the tools compared.
Where 5 days go
| Step | Who does it | Titleman measured median |
|---|---|---|
| Read the OM, T-12 and rent roll and tie them together | Analyst | part of the underwriting run |
| Comps | Analyst | about 19 minutes |
| Value | Analyst or appraiser | value opinion about 45 minutes (not an appraisal) |
| Coverage, debt yield, model | Analyst | underwriting run about 58 minutes |
| Owner of record, recorded mortgages and liens | Analyst | property passport (one per address; coverage of recorded debt depends on the county) |
| Borrower and sponsor credit | Credit team | not done by Titleman |
| Chasing missing items | Relationship manager | not done by Titleman |
| Credit memo and approval | Credit team, committee | not done by Titleman |
Medians from production runs in the 30 days to 18 October 2026, not promises.
How the run works
The run checks the OM, T-12 and rent roll against each other and the market, pulls comps, forms a value opinion, and builds coverage and debt yield in a live Excel model. Every figure is traced to its source or formula and gaps are named, so the relationship manager knows on day one what to ask the borrower for. Runs are not deterministic, so a credit officer reviews each draft. No loan amount is given; sizing stays with the bank.
Options compared
Ways banks shorten review, and what each leaves.
| Option | Best for | What it does | Where it stops | Pricing model |
|---|---|---|---|---|
| Analyst by hand | Complex or relationship loans | Full review and memo | Days per package | Salaried time |
| Spreading software | Standardizing financial statements | Enters statements into a template | Does not check documents against the market | License |
| Third-party review | Loans needing an independent signature | Independent property review | Turnaround adds days | Per loan |
| Titleman | Property side of each request | Collateral underwriting, value opinion, liens, gaps named, live Excel | No borrower credit, no loan amount, not an appraisal | Credits per run; ask on a demo |
Where policy requires an appraisal or an independent review, that step keeps its own clock; Titleman is not an appraiser.
FAQ
How long does Titleman take on a loan package?
The measured median for underwriting runs on production in the 30 days to 18 October 2026 was about 58 minutes.
Can AI cut a 5-day review to 1 day?
The property analysis can fit in a day. The full review also depends on missing documents, borrower credit, the memo and approval, which Titleman does not do and has not measured.
Does Titleman review the borrower?
No. It underwrites the property only: no borrower credit check, no sponsor underwriting, no default prediction.
Does it give a loan amount?
No. Coverage and debt yield sit in the live Excel model; the loan amount and decision stay with the bank.
Is the run final?
No. It is a draft for a credit officer to review. Runs are not deterministic, so a repeat can differ.
The pillar is the best AI tools for commercial real estate lenders. Related: how fast a lender can screen a loan request, AI loan file analysis cost versus a third-party review and how a lender checks a loan file rent roll and T-12. Product page: real estate due diligence software. To test on a closed package, request a demo.