USE CASES
Mortgage Processing & Underwriting
MightyBot executes mortgage underwriting. 100-300 page files processed. Agency guidelines enforced.
Income calculated. DTI computed. Conditions tracked. QC automated.
Why MightyBot
MightyBot executes mortgage underwriting end-to-end — processing 100-300 page loan files, enforcing agency guidelines as executable policies, automating income calculation, computing DTI and LTV with evidence trails, and tracking conditions through funding. Not AI that assists underwriters. AI that finishes the file.
The Problem
A single mortgage file: 100 to 300 pages. The underwriter extracts data from each
document, cross-references against others, and evaluates against layered guidelines —
Fannie Mae, Freddie Mac, FHA, VA, plus lender overlays.
Every threshold non-negotiable. Income calculation alone takes hours for self-employed
borrowers. Volume spikes create backlogs. QC adds another layer. Accuracy is
non-negotiable even under pressure.
Document volume
100-300 pages per file across dozens of document types
Layered guidelines
Agency rules plus lender overlays, all interacting
Income complexity
Self-employed, co-borrower, and variable income scenarios
Volume volatility
Rate-driven waves overwhelm manual capacity
QC burden
Re-underwriting closed files creates repurchase risk if missed
How MightyBot Executes It
Every step. Automated.
Every calculation. Traced.
Full File Document Processing
Ingestion & ClassificationEntire mortgage file ingested and classified simultaneously. Every document type routed to specialized extraction. Consistent structured data. In parallel.
Agency Guidelines as Executable Policies
Guideline EnforcementFannie Mae, Freddie Mac, FHA, VA — encoded as executable rules. DTI, LTV, reserves, property eligibility evaluated deterministically. Updates deployed centrally, enforced on the next file.
Automated Income Calculation
Income AnalysisIncome extracted from pay stubs, W-2s, and tax returns. Self-employed: Schedule C, K-1, 1120-S, 1065 with add-backs and trending. Every calculation shows source documents and methodology.
DTI, LTV, and Conditions
Evaluation & TrackingDTI and LTV computed with evidence trails linking every input to source. Conditions generated — prior-to-approval, prior-to-doc, prior-to-funding — and tracked through resolution.
QC Automation
Post-Close ReviewPost-close QC: sampled files re-underwritten against origination policies. Discrepancies flagged with evidence pointers. Minutes, not hours. Defects caught. Repurchase risk reduced.
"We automated what no one else could."
They solve easy workflows. We solve hard ones.
Before vs After
100-300 page files. Every guideline enforced. Every calculation traced.
FAQ
Frequently Asked Questions
Can MightyBot handle self-employed borrower income?
Yes. 1040, Schedule C, 1120-S, 1065, and K-1 documents are processed with agency-specific add-backs, trending, and declining-income flags documented.
How does MightyBot stay current with agency changes?
Guidelines are encoded as policies. When Fannie, Freddie, FHA, or VA publish updates, the policy changes centrally and all new files evaluate against the latest rule set immediately.
Does MightyBot support lender overlays?
Yes. Lender-specific overlays can be layered on top of agency guidelines so the system evaluates both and shows which policy drove each finding.
Can MightyBot automate post-close QC?
Yes. Sampled files can be re-underwritten automatically against origination policies with discrepancies flagged in minutes instead of hours.
How does MightyBot handle AUS findings?
DU and LPA findings can be processed as structured inputs, cross-referenced against the file, and evaluated alongside standard mortgage policies.
What about non-QM and portfolio products?
Bank statement programs, asset depletion, DSCR investor loans, and other portfolio products can all be modeled as policies on the same execution engine.