Replace escrow with a Wells Fargo-custodied clearing account under your EIN. Earn T-Bill yield on every idle dollar. Gate every loan through a 50-state AI compliance engine. Zero fees, ever.
Construction reserves, rehab holdbacks, controlled disbursements — they sit dead in legacy escrow at 0%, exposed to commingling, slowed by manual reconciliation, and accountable to a third party instead of you.
A live compliance engine built for direct & private lenders. Eight automated checks per loan, refreshed daily against state-by-state regulatory changes. Every decision logged, timestamped, and retained for seven years.
NMLS, DRE, DFPI lookups at application and pre-funding. Active sponsorship verified per originator.
FNMA, FHLMC, GNMA, HUD, VA seller/servicer IDs verified for every CRMLA lender.
DFPI floors monitored against quarterly MCRs. Surety bond currency alerts before lapse.
MLDS, TRID, TILA/RESPA/ECOA/FCRA cadence enforced by the engine, not by your paralegal.
Covered-loan thresholds under each state's high-cost code flagged before funding.
Customer Identification Program + sanctions screening at application and pre-funding.
Single point of contact, no dual-tracking, post-sale timing — wired into the workflow.
Timestamped, signed audit artifact per loan. Retained ≥7 years. Export-ready for any regulator.
Not a neobank. Not a fintech wrapper. The same institutional custody trillions of dollars in pension assets sit on, configured for direct & private lenders.
Each loan, each draw, each holdback — its own sub-account under your master EIN. Three clicks to open. Never commingled.
Treasury-backed yield on every idle balance. Daily accrual. Sweep rules configurable per sub-account. Optional yield-share with the borrower.
Initial clearance in two days. Sub-accounts open in under three clicks after that. Wells Fargo custody mechanics, modern UI.
Per lender. A protection layer no other platform in this industry provides. Insurance-carrier-friendly custody posture.
Drag the sliders. The number on the right is the money you're walking away from every month.
"PHOCIS completely changed our post-close capital strategy. We're generating consistent returns on funds that used to sit idle, with zero impact on our lending operations."
"As a direct lender, control is everything. PHOCIS gives us that control while optimizing capital we never thought could work for us. Wells Fargo custody seals it."
"$8K a month in new revenue on capital that was previously earning nothing. Implementation was seamless. The compliance automation is industry-leading."
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