Mortgage document review
Payslips, social security records and appraisal read automatically; income, LTV and missing documents checked.
Mortgage document review is an agent scenario in the Banking sector running on the web, email, branch channels. Trigger: Documents uploaded to the loan file (web, email or branch). The Loan File Supervisor coordinates 3 specialist agents (Extraction Agent, Income Agent, Valuation Agent) across 4 systems (Loan Origination System, Document Store (S3), Credit Bureau (KKB), Email (Exchange)); of 10 steps, 1 write to systems and 3 are checks or approvals. Outcome: File pre-approved, missing-document list with the customer, income and LTV evidence on file. Approval rule: Loan > 3,000,000 or DTI > 45% → underwriting officer approval.
Mortgage document review
- File #ML-7731: 9 documents uploaded (payslips, social security record, appraisal, deed)
- Documents fetched from S3 and classified; fields extracted from 3 payslips and the record
- Plan: income check → appraisal/LTV → missing docs → update file
- Credit bureau report: score 1,612, existing instalments 9,800/month
- Net income 68,500, within 2% of the social security record, DTI 41% → eligible
- Appraisal 6,400,000, requested 4,800,000 → LTV 75%, limit 80%
- Missing: compulsory earthquake policy and last 3 months' statements → 2 documents
- Loan > 3,000,000 → underwriting officer pre-approved the file
- LOS file set to "pre-approved – awaiting documents", checklist attached
- Missing-document email sent to the customer and branch advisor
- ■completed
Simulation · derived from real agent definitions · every agent can be built by dialogue with the Autonomous Agent and validated with a test corpus
Documents uploaded to the loan file (web, email or branch)
File pre-approved, missing-document list with the customer, income and LTV evidence on file
Agents
Loan File Supervisor
Decomposes the objective, delegates to agents, manages approval points, merges the result.
Extraction Agent
Classifies documents, extracts fields and tables
classify_documentextract_fieldsocr_pageIncome Agent
Computes net income, cross-checks against social security and bureau data
compute_net_incomecross_check_sgkget_credit_bureaucompute_dtiValuation Agent
Reads the appraisal, determines LTV and missing documents
parse_appraisalcheck_ltvlist_missing_docsupdate_loan_filesend_emailSteps
| # | Kind | Agent | What happens | System | ms | tok |
|---|---|---|---|---|---|---|
| 01 | ingest | Loan File Supervisor | File #ML-7731: 9 documents uploaded (payslips, social security record, appraisal, deed) | — | 240 | — |
| 02 | retrieve | Extraction Agent | Documents fetched from S3 and classified; fields extracted from 3 payslips and the record | Document Store (S3) | 1,400 | 2,600 |
| 03 | plan | Loan File Supervisor | Plan: income check → appraisal/LTV → missing docs → update file | — | 300 | 200 |
| 04 | tool | Income Agent | Credit bureau report: score 1,612, existing instalments 9,800/month | Credit Bureau (KKB) | 480 | — |
| 05 | verify | Income Agent | Net income 68,500, within 2% of the social security record, DTI 41% → eligible | — | 760 | 820 |
| 06 | reason | Valuation Agent | Appraisal 6,400,000, requested 4,800,000 → LTV 75%, limit 80% | — | 720 | 690 |
| 07 | verify | Valuation Agent | Missing: compulsory earthquake policy and last 3 months' statements → 2 documents | — | 520 | 430 |
| 08 | approval | Loan File Supervisor | Loan > 3,000,000 → underwriting officer pre-approved the file | — | 3,100 | — |
| 09 | write | Valuation Agent | LOS file set to "pre-approved – awaiting documents", checklist attached | Loan Origination System | 460 | — |
| 10 | notify | Valuation Agent | Missing-document email sent to the customer and branch advisor | Email (Exchange) | 260 | — |
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