Solution
For mortgage lenders, credit unions and servicers: underwriters open a rule-checked, exception-first worklist instead of a raw loan file — every finding cited to its page, every decision theirs.
The problem
Income on the application against the W-2s, deposits against stated assets, appraisal against loan amount — underwriters page-hunt instead of deciding.
The unexplained deposit or the open appraisal condition hides mid-file and surfaces late — sometimes in post-close QC, when it costs the most.
Every file read front to back is turn time; rate locks expire and borrowers wait on work that is mostly verification.
The product, not a promise
How it works
The loan file — application, income docs, bank statements, appraisal — is classified and indexed.
Income, assets, liabilities and collateral details are captured with page-level citations.
Extracted data runs against your underwriting rules; each pass and fail is recorded.
Exceptions, inconsistencies and missing conditions appear as a worklist, ordered for review.
The underwriter clears conditions and rules on the file with the evidence one click away.
Who it's for
Mortgage underwriter
Head of underwriting
QC & compliance
A mortgage file is a few hundred pages that must agree with each other: the income on the application against the pay stubs and W-2s, the deposits on the bank statements against the stated assets, the appraisal against the loan amount. Underwriters spend most of their review locating rather than deciding — paging through documents to verify that the numbers line up and the conditions are met, while the pipeline behind them grows.
This solution reads the complete loan file, classifies every document, extracts income, asset, liability and collateral data, and reconciles it across the package. Your underwriting rules run against the extracted data automatically, and the underwriter receives structured findings: what passed, what failed, what is inconsistent, and what is missing.
The output is built around exception visibility. Instead of reading front to back, the underwriter opens a worklist — an income discrepancy between the W-2 and the pay stub, a large unexplained deposit, an appraisal condition still open — with each item citing the exact page that raised it. Clean files clear fast because there is nothing to hunt for; hard files get the underwriter’s full attention on the parts that are actually hard. The decision remains entirely human: the system prepares and flags, the underwriter rules.
Every extraction, rule check and cleared condition is logged with its source citation, so the finished file carries its own evidence. In post-close QC, an investor review or a regulatory exam, the question “how was this verified?” is answered by the record — which rule ran, what data it saw, which page it came from, and who signed off. That audit trail is the same structure the underwriter worked from, preserved with the file.
Objections, answered
Every finding cites the exact page that raised it — the W-2, the bank statement line, the appraisal condition. The underwriter verifies with a click and rules on the file; the system prepares and flags, and the human decides.
Yours, overlays included. Each pass and fail is recorded per rule, and a guideline change applies to the next file the moment you make it — the checks in production are the checks your credit policy wrote.
The record answers it: which rule ran, what data it saw, which page it came from, and who signed off. The evidence trail is the same structure the underwriter worked from, preserved with the file.
Start with your guidelines and a set of recent loan files. The system classifies standard mortgage document types — applications, income docs, statements, appraisals — so the first exception worklists come from your own pipeline.
Watch a full mortgage package become an exception worklist — income reconciled, conditions cited to the page — live in the demo.
Request a demo