AI document validation for mortgage files

For mortgage advisors & brokers

Lender-ready files,
first time.

A sophisticated AI reviews a borrower's package — ID, pay stubs, Notice of Assessment, bank statements — reconciles income across documents, checks dates and names, and flags exactly what a lender would bounce, before you submit.

Validation report
Mortgage file — James Chen
Lender-ready
Policy: Lender-ready borrower packagev2Docs: 5Today: Jun 1, 2026
Recevable 6 pass · 0 fail 6 checks · 5 documents
Photo ID is valid and unexpiredany docPass
Borrower name consistent across all documentsacross setPass

"James Chen" matches on the ID, pay stub, NOA and bank statement.

Pay stub is recent (within ~30 days)any docPass

Pay date May 23, 2026 — 9 days before today.

Stated income consistent across income documentsacross setPass

$90,000 on the employment letter agrees with the pay stub ($90k annualized) and NOA ($90,120).

Down-payment funds evidenced (90-day history)any docPass
Required documents are all presentacross setPass
Income reconciled
letter vs. pay stub vs. NOA agree.
Recency-aware
stale documents are flagged.
Auto follow-up
emails the borrower what's missing.
Traceable
evidence + audit on every check.

A bounced file is a lost deal

Lenders reject packages that are incomplete, stale, or inconsistent — and you find out days later.

Stale documents get kicked back

A pay stub a few weeks too old, a statement missing the 90-day history — small misses, big delays.

Income has to reconcile

Employment letter, pay stub and NOA must agree — checking that by hand is slow and error-prone.

Every lender is slightly different

You juggle each lender's checklist in your head and hope nothing slips.

See it in action

It catches what a lender would reject

Mortgage file — stale documents
Information manquante
Pay stub is recent (within ~30 days)Fail

Newest pay stub dated Feb 26, 2026 — over 90 days before today. Request a current stub.

Stated income consistentacross setNeeds review

No employment letter on file to confirm the stated income — additional document required.

Photo ID is validPass
Down-payment 90-day historyPass
Intake
borrower documents
Validate & reconcile
lender-ready policy
Decision
not lender-ready?
YES ↓NO ↓
Wait for docs
Email borrower
Show results
Lender-ready
submit with confidence
Policies
Lender-ready borrower package · 6 rules
Refinance package
Self-employed income review
Drop the borrower's documents here — PDF, Word, Excel, images
pay_stub.pdf
notice_of_assessment.pdf
bank_statement.pdf validating…

How it works

Drop the file. Know it'll clear.

01

Collect the package

PDFs, scans, statements — one file. Or let the borrower email documents straight in.

02

Reconcile & validate

The AI checks recency and validity, and reconciles income and identity across every document.

03

Lender-ready verdict

A clear verdict with evidence per check. Stale or missing items email the borrower; the file waits, then re-checks.

The policy

Mortgage — lender-ready borrower package

Fully editable. Each rule is plain language with a scope — every document, any one document, or across the whole set.

Photo ID is valid and unexpiredany docrequired
Borrower name is consistent across all documentsacross setrequired
Pay stub is recent (within ~30 days)any docrequired
Stated income is consistent across income documentsacross setrequired
Down-payment funds are evidenced (90-day history)any docrequired
Required documents are all presentacross setrequired

The business case

Why mortgage teams adopt Interpret

Document review is where deals stall and files bounce. Interpret clears it — and reconciles the numbers — so more files reach the lender clean the first time.

Fewer bounced files

Catch a stale pay stub or income that doesn't reconcile before the lender does.

Faster approvals

Clear document review in minutes. Advisors close more files instead of chasing paperwork.

Audit-ready & defensible

Every verdict evidenced and human-signed-off — ready for a lender or a compliance review.

Scales with volume

Handle more files per advisor through rate cycles without adding back-office staff.

Built to fit IT & security: Your AI models via OpenRouter·Your rules & reference lists·Full audit trail + PDF/JSON/CSV export·Tenant isolation & role-based access·Cloud or self-hosted

See it on a real borrower file

Bring one package and a lender checklist. We'll configure the policy and show you a lender-ready verdict end to end.