What AI features does CourtImmo offer?

Document extraction, conversational intake, document classification and anomaly detection: AI reads the client documents and pre-fills the file.

Does CourtImmo integrate with banks?

The platform prepares bank-ready files and tracks bank submissions, reducing back-and-forth and speeding up approval.

Do compliance features replace my obligations?

No. They are features that help the broker meet their own obligations (ORIAS, ACPR, GDPR). The obligation remains the broker responsibility.

Feature catalog

The entire mortgage brokerage business, module by module

CourtImmo covers 100% of a French credit professional's activity: CRM, financing cases, simulations, bank placement, compliance, invoicing and connected portals. And in every module, AI speeds up the work without ever replacing it.

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Mortgage broker managing financing files from a digital platform in a Paris office

You are not stitching tools together: you are running a platform

Every module shares the same foundation. Information entered once feeds everything else, with no double entry and no export-import.

A single client repository

Prospects, borrowers, cases and documents live in the same database: every module reads and enriches the same client record.

The same calculation engines everywhere

Capacity, APR, insurance: simulators, case building and documents use shared engines, tested and versioned.

A unified audit trail

Every action is traced in one place: who did what, when, on which case. You are ready for an inspection.

CRM and leads

Every contact becomes a traced opportunity.

Multichannel prospect capture, a 360 client record with household and unified history, and rule-driven lead distribution.

Multichannel capture: web forms, simulators, referral partners, calls and emails, with source and timestamped consent
Duplicate detection (email, phone, identity) with controlled merging
Configurable sales scoring and AI predictive scoring of conversion probability
Rule-based lead distribution: geography, specialization, workload, with automatic reassignment
Compliant email and SMS follow-up sequences, plus online appointment booking

Pipeline and financing cases

From signed mandate to fund release, with no blind spot.

The full case lifecycle, from prospect to fund release, with Kanban boards, regulatory locks and automatically computed legal deadlines.

Kanban pipeline and high-density list view, filtered by broker, bank, deadline and completeness
Computed legal deadlines: SRU withdrawal, suspensive condition, offer reflection period, with early alerts
Locked transitions: no bank submission without a signed mandate, no invoice before funds are released
Stagnation alerts on idle cases or cases without a next action
Immutable audit log: actor, action, values, justification, evidentiary export

Simulations and calculation engines

The same financial engines everywhere, versioned and sourced.

Monthly payments, HCSF borrowing capacity, APR and usury-rate checks, notary fees, PTZ, bridge loans: tested engines with dated regulatory references.

Borrowing capacity under HCSF constraints (35% including insurance, 25 years) with subsidized-loan smoothing
Actuarial APR and systematic usury-rate check per category
Notary fees for existing and new builds with versioned departmental scales
PTZ: zoning, ceilings, shares and deferrals according to the scale in force
Every result references the repository version used: any calculation can be replayed as of a date

Banks and comparison

Bank placement the way the market actually works.

A repository of institutions and agreements, historized rate scales, multi-bank matching with approval probability and a normalized bank book.

Bank agreements: scopes, authorized products and commission tiers
Imported rate scales (Excel, PDF) with history: every simulation references its scale version
Multi-bank matching: per-bank approval criteria and approval probability
Bank book: ordered PDF merge, AI-assisted summary note, case snapshot frozen at every submission
Response tracking: acknowledgments, additional requests, agreements in principle, motivated refusals with rerouting
Guaranteed isolation: a bank never sees the competitive process or internal notes

Document management and supporting documents

No missing document, no expired document.

Document management with OCR, checklists per case type, freshness control and a normalized folder structure ready for banks.

Dynamic checklists per profile: employee, self-employed, SCI, debt consolidation
OCR and automatic classification, detection of unreadable or incomplete documents
Expiry control before bank submission: expired ID, proofs older than 3 months
Normalized folder structure and automatic file renaming
Borrower-side collection with automatic reminders and real-time completeness tracking
Encryption, timestamping and an audit trail on every document

Debt consolidation

Large RAC files, industrialized.

Bank-flow analysis, bulk statement reading, hidden-debt detection and remaining-income computation for files of 60+ documents.

Automatic detection of credit lines and recurring charges in bank statements
Spotting hidden debts and warning signals before structuring the case
Automatically computed consolidation scenarios with quantified monthly savings
Remaining income before and after the operation, ready to present
Automatic sorting and indexing of large files (60+ documents)

IOBSP compliance

End-to-end compliance, not an add-on.

Mandates, DER, advice sheets, activity register and GDPR: the broker's obligations are generated, traced and blocking at the right moment.

Search mandate signed and archived before any bank contact (technical lock)
DER and advice sheets generated, delivered on a durable medium and timestamped
Register of examined banks: proof of an objective market analysis
Firm compliance cockpit: periodic checks, ACPR inspection checklist, ORIAS alerts
GDPR: processing registers, automated retention periods, scheduled purges
10-year legal archiving with tamper-proof storage and full traceability

Borrower insurance

The Lemoine law savings pool, industrialized.

Group contract versus delegation comparison on TAEA and total cost, documented guarantee equivalence and substitution tracking.

Group versus delegation comparison: TAEA, cost over the remaining term, quantified savings
Guarantee equivalence documented against each bank's CCSF grid
Lemoine law thresholds applied automatically, with no medical questionnaire when the law allows it
Portfolio segmentation by outstanding capital for substitution campaigns
No health data processed: medical questionnaires go directly to insurers

Electronic signature

Mandates and advice sheets signed in minutes.

Built-in electronic signature for mandates, DER, advice sheets and firm documents, with timestamped proof and automatic archiving.

Multi-signer flows: borrower, co-borrower, firm
Document templates with fields merged from the case
Timestamped proof of delivery and acceptance
Signed documents automatically archived in the document manager

Invoicing and commissions

Fees and bank commissions under control.

Invoicing triggered only after funds are released, bank commission tracking, agent splits and statement reconciliation.

Fee invoice generated after fund release, never before (regulatory lock)
Commission tracking per bank agreement: expected, received, gaps, reminders
Firm and agent commission splits with configurable rules
Electronic invoicing and accounting export in standard formats
Profitability tables per lead source, broker and bank

Borrower portal

Your clients follow their project without calling you.

A clear space for every borrower: educational case progress, guided document upload, secure messaging and signature, under the firm's brand.

Educational statuses projected from the internal pipeline, with no information leak
Checklist-guided document upload with immediate quality control
Conversational AI intake: the client answers in natural language and the case pre-fills in minutes
Secure messaging and notifications at key milestones
A space in the firm's colors (white label)

Referral partners

Real-estate agencies and partners finally integrated.

A dedicated partner portal: referrals sent with consent, simplified tracking of referred cases and transparent commissioning.

Lead transmission with proof of prospect consent
Simplified statuses: the partner follows progress without seeing financial data
Configurable and traced referral commissioning
Tracked links and QR codes per partner to measure volumes

AI built into every module

The accelerator, not the pilot: you stay in control.

Document extraction, statement analysis, summary notes and smart reminders: AI removes re-entry and prepares the work, the broker reviews and signs.

Automatic data extraction: payslips, tax notices, statements, identity documents
Bank statement analysis: recurring income, charges, outstanding loans, warning signals
Bank presentation note drafted in the format each bank expects
Anomaly and inconsistency detection before bank submission
Daily prioritization: what should I do today?
Guardrails: mandatory human review and usage logging

Automations

Reminders go out on their own, at the right time.

Bank chasing, document reminders, legal deadline alerts and team workflows: the automation engine executes while you advise.

Semi-automatic bank chasing after 7 days without a response
Missing-document reminders on the borrower side with escalation
Deadline alerts configurable per firm
Validation workflows before bank submission (firm quality control)

Reporting and steering

Your firm's performance in real time.

Dashboards per profile: solo broker cockpit, firm workload plan, network benchmark, with profitability per source.

Daily cockpit: appointments, cases to submit, offers to check, probable invoices
Team dashboards: production per broker, conversion rates, average lead times
Per-bank statistics: time to approval, approval rate, additional-request rate
Profitability per lead source, per broker and per bank

Frequently asked questions

A complete platform: CRM, cases, simulations, banks, compliance, invoicing and portals cover 100% of the broker business. AI is built into every module as an accelerator.

The complete mortgage broker platform, designed in France

Every CourtImmo module was built with practicing brokers. One subscription, one client repository, and AI as an accelerator in every screen: your firm runs 100% paperless.

All-in-one platformIOBSP compliantACPR readyORIAS integrationGDPR nativeFrench hostingBank integrations