Mortgage Dictation That Keeps
Borrower Data on Your Device
Mortgage origination involves some of the most sensitive consumer financial data there is: income verification, full asset statements, employment history, credit reports, and Social Security numbers. Using a cloud dictation tool during that process routes borrower details to a third-party server you don't control. VoicePrivate processes every word locally.
Mortgage borrowers share data you're obligated to protect
The 2023 updates to the GLBA Safeguards Rule tightened vendor oversight requirements. Cloud dictation tools used by mortgage teams create obligations you may not have intended.
The Cloud Dictation Problem
- Borrower income, asset, and employment details reach vendor servers
- GLBA Safeguards 2023 requires vendor oversight for all data handlers
- TRID timing documentation accuracy matters for audit purposes
- Conforming vs. FHA vs. VA vs. non-QM vocabulary handled differently
- Loan processor and underwriter workflows each require specific terminology
The VoicePrivate - Finance Edition Solution
- All transcription runs locally - borrower data never reaches any server
- No new GLBA Safeguards vendor relationship created
- Conforming, FHA, VA, and non-QM vocabulary built into the dictionary
- TRID, HMDA, RESPA, and TILA terminology handled correctly
- Works across loan officer, processor, and underwriter workflows
Who uses this across mortgage operations
Mortgage Loan Officers
Pre-approval call notes, rate advisory documentation, and pipeline status updates. The entire mortgage origination conversation happens around deeply sensitive borrower financial data.
Loan Processors
Condition requests, stip documentation, and file status notes. Processors work through the full file - income docs, title, appraisal, insurance - and generate detailed internal documentation throughout.
Mortgage Underwriters
Credit decision documentation, exception justification memos, and condition issuance notes. Underwriting documentation requires precision and accuracy - dictation is faster and produces better results than typing.
Compliance and QC Teams
HMDA data collection notes, TRID timing documentation, and QC review comments. Compliance documentation for mortgage files requires specific regulatory language that the built-in vocabulary handles correctly.
Where mortgage teams actually use it
Documentation across the origination pipeline from application through close.
Pre-approval and application notes
Document qualification analysis, income calculation methodology, and rate advisory discussions. Conforming loan limit references, DU/LP findings summaries, and product selection rationale all come out accurately.
Processor condition documentation
Dictate outstanding condition lists, stip requests, and file status notes directly into your LOS. Processor vocabulary covers appraisal gaps, title issues, VOE requirements, and HOI documentation.
Credit decision and exception memos
Underwriting decision documentation requires specific language for approval conditions, denials, and policy exceptions. Dictate these memos accurately and quickly without the content reaching any external server.
Disclosure timing documentation
Document Loan Estimate issuance, changed circumstance triggers, and Closing Disclosure delivery timing. TRID compliance documentation is audit fodder - accuracy matters and staying on-device is the right architecture.
Non-QM and portfolio loan documentation
Asset depletion calculations, bank statement income analysis, DSCR qualification notes, and non-QM exception documentation. Specialty loan vocabulary that cloud tools struggle with is handled correctly here.
Closing and post-closing notes
Final walkthrough documentation, closing disclosure corrections, and post-closing exception notes. Dictate the details while they're fresh. All of it stays local.
VoicePrivate vs. cloud dictation tools
Mortgage professionals need dictation that handles regulatory vocabulary and keeps borrower data local.
| What matters for mortgage | VoicePrivate | Otter.ai | Dragon (cloud) | Rev | Fireflies.ai |
|---|---|---|---|---|---|
| Borrower data stays on device | ✓ Always | ✗ Cloud | ✗ Cloud | ✗ Cloud | ✗ Cloud |
| No GLBA vendor added | ✓ | ✗ | ✗ | ✗ | ✗ |
| Mortgage vocabulary built in | Conforming, FHA, VA, non-QM | Generic | Some | Custom only | Generic |
| Works offline | ✓ | ✗ | ✗ | ✗ | ✗ |
| Types into LOS directly | ✓ Any field | ✗ | Limited | ✗ | ✗ |
| Local audit log | ✓ SHA-256 | ✗ | ✗ | ✗ | ✗ |
| Annual price per seat | $199/yr | $240/yr | $500+/yr | Custom | $228/yr |
Competitor pricing based on publicly available information. Subject to change.
Works on Mac and Windows
Mortgage teams work on whatever their shop provides. VoicePrivate runs natively on both platforms.
Finance Edition pricing
Try free. No credit card required.
- Full mortgage vocabulary
- On-device processing
- Mac and Windows
- Works offline
- Unlimited dictation
- Full finance dictionary
- Custom vocabulary
- Local audit log
- 99 languages
- Priority support
- Unlimited dictation
- Full finance dictionary
- Custom vocabulary
- Local audit log
- Mac and Windows
- 2-5 floating seats
- Single billing account
- All annual features
- Team management