March 26, 2025
Cheat Sheet: Primary Sources of Mortgage Defects & AI Remedies
| Defect Source | AI Approach | Impact |
|---|---|---|
| Inaccurate/Missing Documents | Vallia DocFlow | Auto-classifies, extracts, and validates documents; flags missing components |
| Data Entry Errors | Data Reconciliation | Cross-validates income, asset, appraisal, and fee data between systems |
| Underwriting Discrepancies | NLP + Rule Engines | Consistently evaluates borrower narratives, tax returns, and policy compliance |
| Post-Close Compliance Defects | Predictive QC | Scores loans in-flight, predicts and prevents defects before delivery |
| System Integration Gaps | Middleware + AI Agents | Ensures synchronized data across LOS, POS, CRM, and external partners |
| Review Bottlenecks | Human-in-the-Loop AI | Automates standard cases; routes edge cases to humans with context |
