Trusted by enterprise wholesale lenders
300,000+
Documents processed monthly
60%
Faster processing time
50%
Lower operational cost
95%+
AI classification accuracy
Proven Mortgage Process Automation Capabilities
Intelligent Document Processing (IDP)
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Automate the classification of 300+ mortgage document types with built-in boundary detection and automated indexing.
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Eliminate the manual "sorting hat" process by processing over 5,000 documents daily directly into your LOS.
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Achieve 95%+ classification accuracy, ensuring your team finds exactly what they need in seconds.
Multi-Channel Income Calculation
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Automate 90% of income calculation work in real-time, moving the underwriter from "data entry" to "data reviewer".
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Support complex self-employed and rental income with automated analysis of 1040, 1120S, Schedule C, and Schedule E forms.
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Utilize multi-entry points, including Plaid/Finicity feeds, API integrations, and direct borrower uploads.
AI-Powered Loan Scenario Assistant
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Reduce guideline research time from 30 minutes to mere seconds using a RAG-based chatbot trained on your multi-investor matrices.
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Get instant answers to complex scenario questions (e.g., DSCR or self-employed FICO requirements) across 100+ page guideline documents.
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Decrease email back-and-forth between Loan Officers and Underwriters by providing real-time policy updates.
Human-in-the-Loop (HITL) Exception Handling
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Maintain 100% control with a web-based interface where processors handle edge cases and approve AI decisions before final indexing.
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AI handles the routine 95% of documents, allowing your expert staff to focus strictly on high-value quality control.
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Deliver a 40% efficiency gain on large correspondent loan packages through streamlined exception management.
Seamless LOS Integration & Data Transformation
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Auto-populate extracted data and organized PDFs directly into Encompass or MeridianLink via direct API.
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Eliminate ~$50K in monthly third-party costs by replacing off-the-shelf bank statement solutions with our native analysis engine.
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Ensure MISMO-compliant data exports and full audit trails for every document processed to reduce repurchase risk.
Appraisal Validation & Property Risk Assessment
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Instantly verify appraisal data against UAD standards and Fannie Mae CU risk scores to flag high-risk valuations for immediate review.
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Generate property assessments and comparable sales analysis in standard MISMO formats for seamless investor delivery.
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Automatically identify data discrepancies between appraisals, the 1003, and title documents to reduce manual QC review time.
Why We’re Different
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The Full Stack Advantage: Don't juggle multiple vendors; we provide document processing, income calculation, and an AI guideline assistant on one platform that is already running live.
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Native LOS Integration: Underwriters never leave the system they already use. Everything auto-populates in Encompass or MeridianLink, eliminating manual copy-paste and duplicate data entry.
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Production-Tested Reality: This isn't a pilot program; we are processing 300K documents a month with verified results: 95% accuracy and 50% lower operational costs.
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Your Team Stays in Control: AI handles 95% of routine documents while your people handle the edge cases. Account managers and compliance teams maintain final quality approval.
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Agile Partnership: As a lean team, we ship custom features in weeks, not quarters, bypassing the slow release cycles of 200-person engineering teams.
Ready to Close More Loans Without Adding Headcount?
Automate mortgage document processing, income calculations, and underwriting workflows directly inside Encompass or MeridianLink. Reduce turn times, lower operational costs, and scale your pipeline without expanding your team.
© 2026 by Kaamsha Technologies.