Mortgage Document Agent
Ingests, classifies and extracts data from the mortgage document pile.
Reads the mortgage 'stack' (pay stubs, W-2s, bank statements, tax returns, appraisals), classifies every page and reconciles the extracted fields against the application. Detects the missing document, chases it over borrower comms, and checkpoints the file so a stalled chase resumes.
Authority
Act within policy
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Home Lending / Mortgage
Desk workflow
Application, then document collection and verification, then processing, then underwriting, then closing, then servicing. Document extraction and reconciliation gate the file's advance through each stage.
Collaboration
Coordinates specialist contributions
Decision boundary
Acts only within an explicit policy, permission and escalation boundary.
Systems and capabilities involved
Document intake + OCR
Loan origination system (LOS)
legacy portal
Income / asset verification
GSE data-standard validator
Borrower comms (document chase)
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Context
What the role needs to do the work
- Current work
- The loan file: documents in, checklist outstanding, discrepancies found.
- Prior interactions
- Earlier touches on this application and the borrower's prior loans.
- Policies and reference
- Document-type schemas, GSE (Fannie/Freddie) data standards, verification rules.
- Working method
- Extraction playbooks per document type and lender format.
Illustrative workflow
How the work moves
Starting point
Borrower uploads a 60-page document package for a refinance.
- 01
Classify every page; extract income, assets and liabilities.
- 02
Reconcile against the application; flag a self-employment income gap.
- 03
Auto-request the missing two years of business tax returns.
- 04
Update the file checklist and the discrepancy notes.
Result
A reconciled, indexed file with the outstanding document requested and income discrepancies flagged for the underwriting agent.
Checks and boundaries
What must be tested or reviewed
- 01Field-level extraction confidence; low-confidence fields flagged for a judge agent to re-extract.
- 02Reconciliation check: extracted income/assets must tie to the application.
- 03Completeness gate against the GSE document checklist before the file advances.
- 04Sampled agent-as-judge review of extraction accuracy vs. source documents.
Human authority
Acts only within an explicit policy, permission and escalation boundary.
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