MortIQ

MortIQ

MortIQ is an AI-powered mortgage underwriting assistant that automates document processing, validation, and compliance checking for mortgage applications. Built with privacy-first principles, it uses a multi-agent architecture to process mortgage packets in minutes while keeping sensitive borrower data on your own infrastructure.

MortIQ Command Center dashboard

What MortIQ does

MortIQ takes a mortgage packet — W-2s, bank statements, tax returns, pay stubs, appraisals, and ID documents — and runs it through a pipeline of specialized AI agents that classify, extract, validate, analyze, and compliance-check the application. It supports three workflows:

  • Underwriting — automate review of purchase, refinance, FHA, VA, and HELOC loans.

  • Servicing transfer — validate data integrity when loans change servicer.

  • Quality control — audit closed loan files for defects before delivery.

Applications Kanban board

Main components

MortIQ is built around eight specialized agents that hand work off to one another:

Agent

Role

Pipelines

Iris

Document intake and classification

All

Rex

Multi-engine OCR extraction

All

Val

Deterministic validation

Underwriting

Ana

Local LLM analysis

Underwriting

Claire

Cloud-based compliance checking

Underwriting

Servo

Servicing transfer validator

Servicing

Auditor

Post-close QC auditor

Quality control

Max

Final delivery and notifications

All

Key features

  • Privacy-first processing — sensitive data is handled on-premises by local LLMs, and PII is anonymized before any cloud service sees it. Anonymization mappings are ephemeral and destroyed after use.

  • Fast turnaround — applications are processed in roughly four minutes instead of the industry-standard several days.

  • Real-time Kanban board — track every application as it moves through pipeline stages.

  • PDF document viewer — inline document preview with flagged fields highlighted by bounding box.

  • Anomaly detection — issues are surfaced with severity classification (critical / warning / info).

  • Compliance checking — applications are checked against Fannie Mae, FHA, VA, and Freddie Mac guidelines.

  • Audit trail — a complete, timestamped history of every processing step.

  • Telegram notifications — optional alerts for critical events.

How privacy works

MortIQ separates processing into trust zones so cloud services never see real personal information:

  • Local zone — Iris, Rex, Val, and Ana process raw PII on local infrastructure.

  • Anonymization boundary — data is sanitized before any cloud processing.

  • Cloud zone — Claire receives only anonymized data for compliance analysis.

  • Deanonymization — results are restored with real identities for final delivery.

Tutorials

  • Getting started — install MortIQ, load the demo data, and run your first application through a pipeline.