Accelerate Loan
Processing with
AI Agents.
The average mortgage file has doubled in size. Manual processing can't keep up. Xentovia's agentic AI extracts, validates, and structures loan documents with under 3% error rates — so your team closes faster.
Watch it work
What goes in. What comes out.
See exactly what you'd hand us and what you'd get back — on a real loan-processing workflow we run today.
Input
A loan packet — W-2s, pay stubs, tax returns, bank statements, and TRID disclosures
Output
An indexed loan file with verified income/assets, TRID compliance flags, and any document gaps surfaced
Manual baseline Loan processors today: 60–90 minutes per file just to index, classify, and verify — before underwriting starts.
The Problem
Loan files are growing. Manual processing isn't.
Mortgage origination involves hundreds of pages per file — income docs, tax returns, bank statements, disclosures — each requiring extraction, verification, and compliance checks. The industry knows it needs AI, but legacy OCR tools don't cut it.
Average File Size Growth
Mortgage files have doubled in page count over the last decade due to increased regulatory requirements, additional disclosures, and expanded documentation standards.
Manual Error Rates
Manual data entry across loan documents produces 10-15% error rates — leading to condition requests, re-disclosures, compliance flags, and delayed closings.
Lenders Increasing AI Budgets
83% of mortgage lenders are increasing their GenAI technology budgets. The industry recognizes that intelligent automation is no longer optional — it's a competitive necessity.
The Solution
Agentic AI built for mortgage documents.
Xentovia's AI agents process the full mortgage document stack — from 1003 applications to bank statements to closing disclosures. Vision-Language Models understand complex financial documents, while agentic validation catches errors before they reach underwriting.
Intelligent Document Intake
Accept loan files via any channel — borrower portal, LOS upload, email, or batch. Our agents handle PDFs, images, multi-page scans, and e-signed documents.
Auto-Classification
Automatically sort and label every page in a loan file — identifying 1003s, W-2s, tax returns, bank statements, and 30+ other document types instantly.
VLM-Powered Extraction
Vision-Language Models extract borrower data, income figures, asset totals, and employment details from complex financial documents — including multi-column tables and handwritten fields.
Cross-Document Validation
AI agents cross-reference data across documents — matching income on W-2s to tax returns, verifying employer details, and flagging discrepancies automatically.
Human-in-the-Loop QC
Processors review only flagged items with pre-populated fields and side-by-side document views. What took 45 minutes per file now takes 10.
LOS Delivery
Validated, structured data flows directly into your Loan Origination System — indexed, categorized, and ready for underwriting review.
Document Types
The complete mortgage document stack.
Loan Applications (1003)
Uniform Residential Loan Application with borrower info, employment, assets, and liabilities.
W-2s & Pay Stubs
Income verification documents with employer details, earnings, and withholding data.
Tax Returns
1040s, schedules, and business returns with income, deductions, and self-employment data.
Bank Statements
Checking, savings, and investment account statements with balances and transaction history.
VOE / VOD
Verification of Employment and Verification of Deposit forms from employers and financial institutions.
TRID Disclosures
Loan Estimates, Closing Disclosures, and regulatory documents with fee schedules and terms.
Key Outcomes
Close faster. With fewer errors.
Error Rates
Reduce extraction error rates from 10-15% (manual) to under 2-3% with VLM-based extraction and multi-agent validation. Fewer conditions, fewer re-disclosures.
Processor Productivity
Each loan processor handles 2-3 times more files per day when AI agents handle document classification, extraction, and validation.
Faster Turnaround
Reduce document processing turnaround by 60% — getting complete, validated loan files to underwriting faster and reducing time-to-close.
Regulatory Compliance Built In
Mortgage lending is heavily regulated. Xentovia's pipeline is designed to support compliance with federal and state lending regulations at every step.
LOS & Platform Integration
Xentovia plugs directly into the loan origination systems and platforms your team already uses. No disruption to existing workflows.
Get Started
Ready to modernize your loan processing?
See how Xentovia can process your mortgage documents faster, more accurately, and at scale. We'll demo with your actual loan files.
30-minute call. No slides. Live demo with your documents.