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Mortgage Processing Automation

Borrowers move fast. The loan file should not take three hours.

Tax returns, pay stubs, bank statements and appraisals. Artificio splits the package, extracts the figures, calculates qualifying income under agency rules, and writes verified data into your LOS. Built for Encompass, Byte and MeridianLink.

Book a demoSee the workflow
  • For lenders & processing teams
  • SOC 2 Type II
  • ISO 27001
  • GLBA aligned
LOAN FILE · DOCUMENTS & DATA → LOSlive
  1. 1040Tax returns + schedulesSch C / K-1 / 1120-S → 1084 income worksheetcalculated
  2. W-2Pay stubs & W-2swage income → verified against VOEverified
  3. BANKBank statements12–24 mo deposit analysis → qualifying incomeanalyzed
  4. COLLAppraisal & titlecollateral data → indexed to the loan fileindexed
  5. LOSVerified loan datawriteback → Encompass · Byte · MeridianLinkposted

Loan packageAny source, any formatAI + agency rulesExtract & calculateHuman reviewOnly on exceptionsLOS writebackVerified loan data

  • Splits a 300 page borrower package into named, ordered documents at intake
  • Calculates qualifying income under Fannie Mae 1084 and Freddie Mac Form 91 rules
  • Traces every extracted figure back to its source page for QC and audits
  • Routes exceptions and missing conditions to the right person in one request

The problem

A loan file is read by hand before anyone can underwrite it.

Tax returns, pay stubs, bank statements and appraisals arrive as one long package, and a processor splits it, indexes it, reads the figures out of it and calculates qualifying income before the file reaches an underwriter.

Features

Features of mortgage processing AI & ML Platform, Artificio

Leverage the power of AI & ML mortgage automation with Artificio, your smart solution for effortless loan document extraction, income verification, integration and predictive analytics.

Auto import loan packages, tax returns, pay stubs, bank statements, title documents etc

Auto import or upload borrower documents

Artificio can auto import loan related PDFs, images or other scanned documents from dedicated email inboxes, FTP folders, SharePoint, storage drives (Google, OneDrive etc), via shared URL or AI APP.

Package splitting and page classification

A single 300 page borrower package arrives as one file and leaves as correctly named, correctly ordered individual documents. Nobody sits in a PDF viewer dragging page breaks anymore.

AI-OCR

Artificio platform backed by artificial intelligence models ensures precise and reliable text detection and recognition of words and data from various documents, including tax returns, W-2s, pay stubs, bank statements, VOE forms, appraisals and closing disclosures, allowing efficient processing across loan types and eliminating manual errors.

1 package 1040 + Schedules W-2 / Pay stubs Bank statements Title / Appraisal
Auto extract Key pairs and table Line items from mortgage documents

Key-Pairs values extraction

Artificio uses state of the art AI models to auto extract key pairs such as borrower name, SSN, employer, gross wages, adjusted gross income, net profit, loan amount and appraised value from different structures, formats and layouts across tax returns, pay stubs, VOE forms, title documents or any other loan file documents.

Table-Line items

Artificio can easily auto detect the tables and extract the line items from bank statements, K-1 schedules, rental schedules and settlement statements using artificial intelligence models for different table structures, columns and rows.

Line-level source tracing

Every extracted figure links back to the exact page and location it came from, so a reviewer confirms a number in seconds instead of hunting through the file.

SCHEDULE C Line 31 net profit $142,860 Depreciation $18,240
Income verification - Custom Model Training and Rules set up

Custom Trained Models

Mortgage processing users can create their custom models to extract specific data entities (key pairs or chunks of data) from tax returns, bank statements, VOE forms, lender worksheets etc.

Create agency calculation rules and AI & ML Models

In the Artificio platform, processing teams can set up their own rules to encode Fannie Mae 1084 and Freddie Mac Form 91 cash flow logic, two-year averaging, declining income tests and addback treatment for sole proprietors, S-corps and partnerships. Investor overlays sit on top of the base rule set.

Anomalies detection

Artificio platform can detect anomalies to prevent fraud, altered pay stubs, duplicate deposits or mismatched identity data by using AI & ML models and rules, and send notification with the conflicting evidence attached.

Auto predicting data

Artificio platform backed by AI & ML can predict and fix other relevant data such as entity type, income category and monthly qualifying figures which are not directly available in the documents.

Extracted figures Sch C | K-1 | 1120-S | 12 mo statements Agency rule engine 1084 | Form 91 | addbacks | 24 mo avg Qualifying income + audit trail
AI APPs, Custom forms, and documents (layouts) Creation

Design Mortgage AI Custom APPs

Processing and origination teams can create their own customized AI driven app to collect borrower documents by using drag and drop components backed by AI, and provide access to loan officers, brokers or borrowers. Teams can also create and share a URL for submitting documents for auto processing.

Design emails and transmission to borrowers and brokers

Processing teams can create their own custom static or dynamic email message, or AI can generate the dynamic text based on the file data, so a conditions request lists exactly what is missing rather than a generic checklist.

PDF Design

Using our PDF design application, processing teams can auto design and auto generate income worksheets, condition sheets or fillable PDFs and share or print the same with underwriters and investors.

Drop documents Submit INCOME WORKSHEET $11,905 / mo
Data views - Daily, weekly, Monthly, Yearly pipeline and production reports

Predictive Data Analytics

Our inbuilt data analytics tool can show trends and charts for faster analysis on the loan files processed. Teams can also perform predictive analytics backed by AI & ML on turn times, condition volume and fallout risk by week, month, branch or channel.

DataGrid Features

Cell editing, row grouping, export to Excel, pivoting, column filter, header and line items view, clipboard, chart integrations, hide and show columns, pin down, sum or total for columns.

Multiple views

Processing teams can join multiple document data in a single view and process millions of rows, so a portfolio-level question does not require a data request.

Avg hours to clear income conditions JAN FEB MAR APR MAY JUN
Better borrower, broker and investor communication and collaboration

Exceptions handling via email notifications

As soon as Artificio sees any exception in the extracted data, it can send the auto email notification to the borrower, broker, processing team, underwriters or any other third party for their approval.

Single conditions request

Because the platform reads the full file at intake, missing items surface together in one request rather than across three separate rounds of back and forth.

Exception detected Borrower Processor UW
Smooth Data Integration (Encompass, Byte, MeridianLink, SAP, Web portals and databases)

Integration

Artificio can also easily integrate the verified data with Encompass, Byte, MeridianLink, Salesforce, SAP and other LOS or servicing systems via API calls. Users can also download the data into XLS, CSV or JSON formats, or receive a MISMO-aligned payload where the receiving system requires it.

Deployment that fits your risk posture

Run Artificio in your own environment as a private cloud or on-premise container when borrower data cannot leave your perimeter. A SaaS option covers brokers and smaller shops.

Artificio Encompass Byte MeridianLink Data warehouse

How it works

Unlock the mortgage processing solution in 5 simple steps

  1. 1

    Importer

    Artificio imports an array of structured and unstructured data from all sources such as borrower portals, documents, drives, websites, emails, databases, etc.

  2. 2

    Classifier

    Artificio splits the package and classifies the collected data into individual categories such as tax returns, pay stubs, bank statements, title documents or any customised categories by lenders.

  3. 3

    Extractor

    Artificio is known for taking a step further by extracting user-specific data fields, table line items or entities supported by deep-learning custom models.

  4. 4

    Validator (Notifier)

    Artificio verifies and validates each data entity by running AI & ML models and agency rules, calculates qualifying income, and sends notifications for approvals.

  5. 5

    Integrator

    Artificio integrates data into LOS platforms, cloud, database or any other portals via APIs, JSONs, XLS and CSV.

Why Artificio?

Why Artificial intelligence and Machine learning (AI & ML) driven Mortgage Processing is important?

Automate manual data entry, boost processor productivity and time savings, reduce cost per loan, improve income calculation accuracy, speed up underwriting and closing, scale with smooth integrations, stay investor compliant, and unlock better pipeline insights and predictive analytics.

  • 1

    Unlock Efficiency

    Transforming manual loan file indexing and data entry with AI & ML automation

    Unlock Efficiency
  • 2

    Streamline operations

    Cut cost per loan and boost efficiency with automated document processing solutions.

    Streamline operations
  • 3

    Effortless income analysis

    Harness the power of AI OCR for accurate data extraction and agency-aligned income calculation.

    Effortless income analysis
  • 4

    Accelerate closings

    Shorten cycle times with faster condition clearing and smooth approval routing.

    Accelerate closings
  • 5

    Effortlessly integrate

    Automate and eliminate manual rekeying with AI & ML-powered mortgage processing solutions.

    Effortlessly integrate
  • 6

    Stay investor ready

    Delivering traceable calculations, strong controls, and hassle-free QC and audits.

    Stay investor ready

Benefits

Benefits of mortgage processing automation Software

Enjoy the benefits of automating your loan file workflow with Artificio

  • Accurate Processing

    Eliminates the human oversight error in income calculation worksheets.

  • Real-Time Monitoring

    Processing managers and underwriting leads can know the status of every file at any given time.

  • Transparency

    You can use real-time dashboard reporting and traceable source references, and share access to the same.

  • Integration with LOS

    You can integrate it with loan origination systems, point-of-sale platforms, databases, etc.

  • Better Business Relationships

    It helps in maintaining long-term meaningful relationships with brokers and borrowers.

  • Utilisation of Talent

    It makes the operation flexible to restructure processing and underwriting staff.

Questions mortgage processing teams ask

FAQs

What is Artificio AI & ML platform?
Artificio AI & ML platform is an advanced artificial intelligence and machine learning-powered solution designed to automate the mortgage document process. It streamlines loan package intake, document classification, data extraction, income calculation, exception routing and reporting, providing lenders with increased efficiency and accuracy.
How does Artificio AI & ML platform automate the mortgage processing workflow?
Artificio AI & ML platform uses cutting-edge technologies such as OCR and intelligent data capture to extract data from loan documents accurately. It splits and classifies the package, applies agency and investor rules to calculate qualifying income, routes exceptions for approval, and writes verified data into your loan origination system, all while minimizing manual intervention.
Which mortgage document types does the platform handle?
The platform processes personal 1040s and all relevant schedules, Schedule C, Schedule E, K-1s, 1120-S and 1065 returns, W-2s, pay stubs, VOE forms, 1099s, business and personal bank statements, profit and loss statements, appraisals, title commitments, closing disclosures, and UK SA302 tax calculations for borrowers with international income history.
Can Artificio AI & ML platform integrate with our existing LOS?
Yes, Artificio AI & ML platform is built to integrate smoothly with Encompass, Byte, MeridianLink, Salesforce and other origination and servicing platforms. This ensures smooth data flow, eliminates the need for manual rekeying, and maintains consistency across systems. Structured exports in XLS, CSV and JSON are available where an API connection is not practical.
How does Artificio handle exceptions or missing documents?
Artificio AI & ML platform includes intelligent exception handling. When a page is missing, a document is stale, or two sources disagree, the platform identifies the issue and routes it to the appropriate stakeholder with the conflicting evidence attached. Conditions surface together at intake rather than across several rounds of borrower follow-up.
Does Artificio calculate qualifying income, or only extract data?
Both. Extraction is the first half. The calculation layer applies Fannie Mae 1084 and Freddie Mac cash flow analysis, handles addbacks, two-year averaging, declining income tests, and entity-specific treatment for sole proprietors, S-corps and partnerships, then produces a pre-filled worksheet with every figure traced to its source page.
Does automation replace our underwriters?
No. The system does the extraction and calculation work, then surfaces only the items that need human judgment. Underwriters review a completed, traceable output instead of building the calculation from scratch. Review time drops from hours to minutes, and the judgment stays with your team.
Is Artificio AI & ML platform scalable for growing lenders?
Absolutely. Artificio AI & ML platform is designed to scale with your volume. It can handle increasing loan counts and seasonal surges without requiring additional resources, which matters most when a rate move doubles your pipeline in a single quarter.
How does the platform enhance borrower and broker management?
Artificio AI & ML platform offers borrower and broker management AI driven applications created by the user, such as upload portals and self-service options. Brokers and borrowers can access the platform to view file status and submit documents through one link, which improves relationships and reduces inbound status calls.
Does Artificio provide analytics and reporting capabilities?
Yes, Artificio AI & ML platform includes strong analytics and reporting functionalities. It offers real-time dashboards, customizable reports and key performance indicators covering turn times, condition volume, exception rates and production by branch or channel. This data supports staffing decisions and helps locate the real bottleneck in your process.
How secure is the platform for handling borrower financial information?
Artificio AI & ML platform prioritizes the security of your data. It employs encryption techniques, access controls and adheres to industry-standard security protocols. The platform aligns with GLBA and GDPR requirements and can be deployed as an on-premise or private cloud container when borrower data cannot leave your own environment.
What kind of support and training does Artificio offer?
Artificio AI & ML platform provides complete support and training resources. This includes onboarding assistance, user guides and ongoing customer support. Training sessions can be arranged for processing, underwriting and QC teams so each group works with the parts of the platform relevant to their role.
How does mortgage automation work at Artificio.ai?
Our algorithm is the formation of a 5-tier configuration namely Importer, Classifier, Extractor, Validator and Integrator. The import of structured and unstructured loan documents takes place, classifies itself into segments and then extracts to the needed juncture. Further, the information validates by machine learning and lender rules. Finally, it integrates with your systems to show the result.
How can I get started with Artificio AI & ML platform?
To get started, you can request a demo or consultation through our website. Our team will guide you through the implementation process, discuss your loan types, investor overlays and volume, and tailor the solution to meet your business needs.

Use cases

Use Cases & Blogs

Democratizing Artificial Intelligence and machine learning, enabling innovation

Security & compliance

Enterprise security across every solution

ISO 27001:2013 certified, SOC 2 Type 2 compliant, GDPR and HIPAA ready. Every agent action is logged, auditable, and runs in isolated environments.

  • ISO 27001:2013
  • SOC 2 Type II
  • GDPR ready
  • HIPAA ready

See the workflow live

Say goodbye to manual stare-and-compare, automate your loan file with Artificio

  • Make your income calculations accurate and defensible
  • Reduce your cost per loan and improve compliance
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