Solution
For mortgage lenders, servicers and capital-markets teams: complete loan files turned into validated data — stacking, income analysis, TRID checks and pre-fund QC on every loan.
The problem
High-cost staff stack loan files by hand, re-type figures from pay stubs, and validate documents against the LOS by eye — loan after loan.
Pre-fund QC covers a fraction of the portfolio, so repurchase risk lives in the loans nobody checked.
Every manual check adds labor to every loan, so cost per file rises with volume instead of flattening.
The product, not a promise
How it works
Splits mixed loan files into discrete, named documents — 1003s, appraisals, title policies — in your stacking order.
Captures borrower intent, income figures, appraisal values and title exceptions from any provider's layout.
Cross-references extracted data against LOS records and investor guidelines, including Fannie Mae and Freddie Mac.
Runs pre-fund checks on the whole file — required disclosures, income math, fraud markers — and flags discrepancies for underwriters.
Delivers validated data tapes for servicing boarding or secondary trading, every field traced to its document.
Who it's for
Underwriter
Head of operations
QC & capital markets
Mortgage margins die by a thousand manual checks. High-cost staff spend their hours stacking loan files, re-typing figures from pay stubs, and “stare-and-compare” validating documents against the LOS — while QC samples a fraction of the portfolio and hopes the rest is clean. The result is a cost to originate that keeps climbing and a loan file whose quality is assumed more than verified.
The hub ingests complete loan files — hundreds of pages in arbitrary order — and separates them into discrete, named documents. Specialized agents extract the data that drives the loan: borrower intent from the 1003, income from pay stubs and bank statements, appraisal values, title exceptions. Extraction is provider-agnostic; a new appraisal layout or document vendor requires no setup.
Validation replaces the manual comparison work. Extracted data is cross-referenced against LOS records and investor guidelines, including Fannie Mae and Freddie Mac requirements. TRID compliance is checked directly: the platform verifies the presence and accuracy of LE and CD disclosures before closing. Discrepancies — missing signatures, expired documents, income math that does not reconcile — route to an underwriter with the evidence attached. Fraud markers, from doctored bank statements to undisclosed debts, are flagged the same way.
Because extraction covers the whole file, pre-fund QC runs on every loan at the same depth, and repurchase risk stops hiding in the unsampled majority. The same validated data serves the capital side of the business: boarding a purchased portfolio into servicing, or validating an MSR data tape against source documents before a trade, runs on the pipeline you already have — with every field on the tape linked to the page it came from.
Decisions stay human. The hub hands underwriters and QC reviewers a file where the reading, matching and arithmetic are already done, cited, and ready to check.
Objections, answered
Every figure links to the page it came from, so verifying a number is a click, and every discrepancy the hub raises arrives with its evidence attached. Underwriters check the flagged items; they do not re-derive the file.
Yes. Validation runs against your LOS records and the investor guidelines you designate, including Fannie Mae and Freddie Mac requirements, and stacking follows your order. The rules are your rules, applied to every loan.
Missing signatures, expired documents, income math that does not reconcile, and TRID issues — the presence and accuracy of LE and CD disclosures are verified before closing. Fraud markers, from doctored bank statements to undisclosed debts, are flagged with the same cited evidence.
Extraction is provider-agnostic — a new appraisal layout or document vendor needs no template setup. Connect the LOS, run a real batch of loan files, and review the flagged output with your own underwriters.
Watch hundreds of pages get stacked, extracted, TRID-checked and QC'd — with every figure linked to the page it came from.
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