Document Completeness Agent

Checks mortgage loan packages for missing documents, incomplete fields, and data inconsistencies before they reach underwriting review.

Capabilities

• Verifies all required documents are present based on loan type and program requirements
• Checks extracted data fields for completeness and internal consistency
• Cross-references figures across documents — income, assets, liabilities — for discrepancies
• Generates a completeness report with specific items needed before underwriting

Overview

The Document Completeness Agent reviews mortgage loan packages before they reach underwriting, catching missing documents, incomplete fields, and inconsistencies that would otherwise cause costly processing delays. It ensures that underwriters receive complete, verified packages so they can focus on risk assessment rather than chasing missing paperwork.

How It Works

When a loan package is assembled with data from the Mortgage Data Extraction skill, the completeness agent checks it against requirements for the specific loan type and program. It verifies that all required documents are present, all data fields are populated, and figures are consistent across documents — for example, that income figures on the application match the supporting documentation. Packages that pass receive a completeness certification; those with gaps receive a detailed report listing exactly what is needed.

The agent adapts to your organization’s specific requirements and program guidelines, and learns from underwriter feedback to refine its completeness criteria over time.