Skills
Your Agent knows mortgages: extract the terms from a note, reconcile a field against the tape, clear an exception and anything else you want.
Platform
The engine behind every loan decision
Underwriting, QC, correspondent and portfolio teams run faster when every loan file is indexed, structured and source cited.
How it works
From upload to decision in minutes
Every document identified, every data point cited, every guideline checked, every exception explained.
Loan 100482 · Index214 documents · 1,186 pages
Promissory NoteClosingClassified
Closing DisclosureClosingClassified
Uniform Residential Loan ApplicationApplicationClassified
Appraisal Report (1004)CollateralClassified
Paystubs · 2IncomeClassified
Bank Statements · 3 monthsAssetsClassified
Final Title PolicyTitleTrailing
Loan 100482 · Extracted data10,412 fields
Note ratePromissory Note · p.16.500%
Loan amountPromissory Note · p.1$480,000
Appraised valueAppraisal · p.1$600,000
OccupancyURLA · p.2Primary residence
Base monthly incomePaystub · p.1$14,250
Verified assetsBank statement · p.3$96,310
Loan 100482 · Guideline reviewAgency conforming
DTI within guidelineRecalculated 38.2% · max 45%Pass
LTV within guideline80.0% · max 97%Pass
Reserves requirementBank statement p.3 · 6.1 monthsPass
Tape appraised value differs from appraisalTape $612,000 · Appraisal p.1 $598,000Exception
Closing Disclosure missing co-borrower signatureCD p.5Exception
Portfolio · Risk view11,521 loans
60+ day delinquency 1.8%Servicing tapes Sep vs. Oct · up 0.3 ptsWatch
214 loans in wildfire risk zonesHazard policies verified on 201 · 13 missingException
1,284 loans with note rate above 7.5%Prepayment-sensitive if rates fallAnalysis
Loan reported current without paying delinquent balanceCollections file · payment historyException
Concentration: top state 18% of UPBWithin 25% covenant limitPass
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Searched 412 loans7 matches
Loan 100517 · DTI 47.9% · reserves 3.2 monthsCredit report p.2 · Bank statement p.4Match
Loan 100562 · DTI 46.1% · reserves 4.8 monthsPaystub p.1 · Brokerage statement p.2Match
Loan 100598 · DTI 49.3% · reserves 2.1 monthsURLA p.4 · Bank statement p.1Match
Tape vs. files · 412 loans31 disagreements
Loan 100517 · Appraised value: tape $612,000, file $598,000Appraisal p.1Exception
Loan 100533 · Occupancy: tape primary, file investmentURLA p.2 · Appraisal p.1Exception
Loan 100482 · Note rate 6.500% agreesPromissory Note p.1Pass
Loan 1959328 · Property addressMatches in 3 of 3 documents
Note: 1418 Maple Ridge Dr, Austin, TX 78704Promissory Note p.1Match
Mortgage: 1418 Maple Ridge Dr, Austin, TX 78704Deed of Trust p.1Match
Title: 1418 Maple Ridge Drive, Austin, TX 78704Title commitment p.2 · abbreviation onlyMatch
Loan 2915817 · Vacancy overlay1 exception
Subject property is vacantAppraisal p.1 · occupancyVacant
LTV 78.2% ($391,000 / $500,000)Promissory Note p.1 · Appraisal p.1Calculated
Overlay maximum for vacant properties is 75% LTVInvestor overlay §4.2 · exceeds by 3.2 ptsException
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Templates
Create a full review template once, covering document checklists, field mappings and exception rules, then apply it to every loan in the current or future pools.
Memory
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Context
Whether the data came from collateral files, loan tapes, buyer guidelines or correspondence, it is cited back to the source and instantly viewable so that you don’t have to guess where it came from.
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