Product 4 of 4 · Construction-draw review · For community banks + lenders · v4 design phase
Your inspector burns 5–10 days per draw. Our AI burns 5 minutes.
Residential construction loans run 6–10 draws each. Every draw triggers a field inspection — $300–$500 a pop, 5–10 days of float. On a $500k loan, that's $2K–$5K of inspection fees plus a month of borrower frustration. Houseproof Lender Tools puts AI between the contractor draw request and the risk officer's sign-off. 80% of clean draws clear in 24–48 hours; only the actually-suspect ones get a truck dispatched.
How a draw review runs
Four steps. Hours, not days.
01
Contractor submits draw
GC uploads draw request + completion narrative + site photos via the Houseproof Lender portal. Mobile-friendly — foreman can do it from the truck.
02
AI cross-references
Gemini vision compares the new photos against (a) the loan schedule for this draw, (b) photos from prior draws to confirm progression, (c) the engineer-stamped plans on file. Flags discrepancies in plain language.
03
Confidence score + flag
AI returns a 0–100 confidence score plus a structured flag list: "foundation draw approved but slab photos still show wood forms", "framing 60% complete vs. claimed 90%". Each flag links to the specific photo.
04
Risk officer one-click
Lender's risk officer sees the AI report + photos + flags + recommended action (approve / hold / inspect). Single button to approve, send back with comments, or dispatch a field-network inspector for an on-site verify.
The market
The pain is concrete. The numbers come from FDIC + NACHI.
$2K–$5K
Per-loan inspection burn
A typical $500k construction loan does 6–10 draws. Each draw triggers a field inspection at $300–$500. That's $2K–$5K in inspection fees the borrower eats — plus 5–10 days of float per draw.
$500B/yr
US residential construction lending
FDIC residential construction & development loan portfolios ran ~$95B mid-2025; total origination volume crosses $500B/yr counting non-bank lenders. Texas alone has 200+ community banks doing some construction-loan volume.
5–10 days
Draw cycle time
Contractor submits draw → bank schedules inspection → inspector visits → report → underwriter approves → funds release. 5–10 business days end-to-end is normal. With Houseproof: 24–48 hours for 80% of draws; same-day for clean ones.
SOURCES · FDIC Q3 2025 Quarterly Banking Profile (construction & development loan portfolios) · InterNACHI 2024 fee survey (construction-draw inspection median cost) · Mortgage Bankers Association residential construction lending estimates (origination volume).
Why now
Three things had to be true. All three are now.
Vision models are finally good enough.
Two years ago, asking a model to tell foundation pour from framing was a coin flip. With Gemini 2.5 + the Houseproof photo-pipeline tuning, accuracy on construction-phase classification is north of 95% on the test set we built from 200 Texas builds.
Texas has a community-bank wedge.
Texas community banks (~200+ doing construction lending) hate the inspection-cost overhead — it kills their margin on small loans vs. mega-banks. Pitch to a CFO at a $500M-asset Texas community bank is a 20-minute meeting, not 18 months of enterprise procurement.
We already paid for the engine.
Houseproof Insurance Claims uses the same photo-evidence + cross-reference engine. Lender-draw review is the B2B carbon copy. We're not building from scratch — we're re-deploying a stack we already operate.
What this is not
We're tooling. Not a lender, not an insurer, not a servicer.
- → Not a replacement for the human risk officer. AI flags + recommends; underwriter approves.
- → Not for ground-up commercial. Residential construction first (single-family + small multi). Commercial industrial draw review has a different mechanical-systems vocabulary; defer to v2 of v2.
- → Not selling per-loan SaaS-style. Pricing is per-draw ($50–$150 per draw review, vs. $300–$500 current inspection cost). Lenders book transactional spend, not subscription.
- → Not in the loan-servicing business. We don't hold the loan. We don't service it. We're an analysis layer in the workflow.
Texas community bank? Let's pilot.
One bank, 10 loans, 60 days. We split the saved inspection cost 50/50. Risk-free for the bank — if it doesn't beat your current draw review, you owe nothing.
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