Loan Application Processing Agent

Problem

An underwriter opens twelve PDFs to answer one question: does the stated income hold up. Payslips, bank statements, tax returns and identity documents all arrive in different formats, and the check is retyping numbers into a spreadsheet and comparing them by eye.

Solution

An agent that extracts figures from every supporting document, reconciles them against what the applicant stated, tests the file against your written lending policy, and hands the underwriter a recommendation where each number links back to the page it came from.

Tech stack

Required integrations

• Loan origination system (Encompass, MeridianLink, or in-house)
• Document storage and applicant upload portal
• Credit bureau and bank verification providers

Key features

• Extraction from payslips, statements, tax returns, and identity documents
• Reconciliation of stated against evidenced income
• Policy checks with the specific rule quoted
• Every figure linked to its source page
• Recommendation with exceptions listed, never an automated decline