Lenders and Banks

AI-Powered Property Intelligence for Faster, Better Credit Decisions

ParGo AI is the market-leading property and location-intelligence platform for banks, combining nationwide, parcel-level data and AI to accelerate lending and underwriting decisions while surfacing risk signals earlier across the portfolio.

Give underwriting and credit teams a efficient, defensible view of collateral risk with unified ownership, lien, zoning, permit, and market intelligence, delivered instantly by ParGo AI.

 

BOOK A DEMO
home_collage_app-1-2
POWERFUL FEATURES

“What took us 3 months now takes us 3 minutes.” — Fortune 100 Energy Company

7_hp

Faster underwriting without sacrificing rigor.

ParGo consolidates collateral data that normally requires multiple vendors, ownership, liens, zoning, permits, and market context, into a single, instantly accessible view.

3_hp

Clearer collateral risk visibility.

Surface ownership complexity, permit gaps, land-use constraints, and market changes that traditional appraisal and AVM workflows often miss.

4_hp

Continuous credit awareness.

Move beyond static credit memos with real-time monitoring of collateral and market signals across the life of the loan.

BIG PICTURE

Key Workflows for Lenders & Banks

As a market leader in property intelligence here are some ways that ParGo could assist in existing workflows.

 

BOOK A DEMO LEARN MORE

Collateral Validation & Underwriting

Instantly analyze any property backing a loan.→ Validate ownership, review zoning compliance, identify environmental or land-use risks, and assess recent construction or permit activity before credit committee review.

Ownership & Borrower Validation

Trace through LLCs and layered entities to identify true beneficial owners.→ Reduce borrower opacity and strengthen KYC, guarantor, and sponsor analysis.

Lien, Mortgage & Encumbrance Review

View recorded mortgages, liens, assignments, and releases in one place.→ Quickly confirm lien position and identify competing claims on collateral.

Skip Trace
BIG PICTURE

Key Workflows for Lenders & Banks

As a market leader in property intelligence here are some ways that ParGo could assist in existing workflows.

 

BOOK A DEMO LEAR MORE

Market Context & Comparable Intelligence

Evaluate collateral within its real market environment.→ Review recent sales, lease activity, and development trends to support valuation and risk assumptions.

Construction & CapEx Monitoring

Analyze permit history and ongoing construction signals.→ Understand whether collateral is improving, stagnating, or deteriorating over time.

Portfolio-Level Risk Monitoring

Track your entire loan book for material changes—ownership transfers, listings, permit activity, or local market shifts.→ Identify emerging risk before it becomes a credit event.

Map Extent Query
Enhanced AI Criteria Extraction 10-28-25
HOW IT WORKS

Three Steps

1 - Input the asset or portfolio. Search a single address or upload a loan list.

2 - Assess risk factors. AI highlights anomalies such as ownership changes, zoning conflicts, or permit inactivity.

3 - Monitor continuously. Save assets or portfolios to receive automated alerts.

BOOK A DEMO LEAR MORE
LEARN

Review the latest updates

READ THE BLOG
INCLUDED DATA

Which Data Should I Use?

 

Category Sample Insights
Property & Ownership Current owner, ownership history, LLC resolution
Mortgages, Liens & Encumbrances Recorded loans, lien types, releases, foreclosure indicators
Zoning & Land Use Compliance with current use, entitlement constraints
Permits & Construction Improvement history, renovation gaps, project values
Environmental Layers FEMA flood, wetlands, slope, soil & climate risk
Sales & Lease Comps
 Recent transactions and lease benchmarks

 

BOOK A DEMO
TESTIMONIALS

What our customers say

“Pargo improves speed, efficiency, risk management and monitoring at every step of the lending and collections process.  There is nothing else like it.”

BANK MANAGER Regional Bank >$50B

“What took us 3 months now takes us 3 minutes.”

ACQUISITIONS PRESIDENT Fortune 100 Energy Company

“Our team has been waiting for a platform that could match even a portion of ParGo’s capabilities.”

CREDIT RISK DIRECTOR Regional Credit Union
ParGoAI_Logo_Primary
WHY PARGO
DATA

Unified collateral intelligence: All key property risk data in one platform

DETECTION

GeoAI change detection from imagery for real-time construction insight

IMPACT

AI-assisted risk surfacing: Highlights what matters, not just raw data

Gemini_Generated_Image_q650lhq650lhq650 - Edited
WHY PARGO
ACCESS

Consistency across teams: Standardized views reduce analyst variability

SOLUTION

Efficient scale: Replace multiple vendors with a single intelligence layer

DELIVER

Data updated as frequently as possible ensuring the most relevant models

FAQ

Need clarification?

How does ParGo AI fit into an existing underwriting workflow?

ParGo complements appraisals, AVMs, and third-party reports by providing fast, unified collateral intelligence early in underwriting and ongoing monitoring after close.

Is ParGo a replacement for an appraisal or AVM?

No. ParGo is not an appraisal tool—it is a risk and intelligence layer that helps underwriters validate assumptions, identify red flags, and contextualize valuation inputs.

Can ParGo be used for portfolio risk management?

Yes. Many banks and lenders use ParGo to monitor entire loan portfolios for ownership changes, new construction activity, or market shifts that may affect credit exposure.

How reliable is the data for credit decisioning?

ParGo aggregates authoritative public records and continuously updates them, giving credit teams a current, defensible view of collateral conditions and changes.