Mortgage Underwriting Engine
AI Multimodal Ingestion & OSFI B-20 Regulatory Debt Ratio Stress Test Engine
AI8GHT AI Engine Active
ZIP Archives Supported
Quick Demo Scenarios:
Upload Borrower Documents & Archives (.zip, .pdf, .png, .jpg)
Drag & drop individual files or a .ZIP file containing all borrower documents (Paystubs, CRA NOAs, Bank Statements, ID).
Document Verification & Source Location Index
| Underwriting Category Title | File Name | Page Location | Status | Action |
|---|
1. Capacity & Income Documents (Proving Ability to Repay)
Recent Pay Stubs (Last 30–60 Days)
Missing
Employment Letter
Missing
CRA Notice of Assessment / Tax Return
Missing
T4 / W-2 Statement
Missing
2. Capital & Asset Documents (Proving Down Payment & Reserves)
Bank Statements (3–6 Consecutive Months)
Missing
Gift Letter & Bank Proof
Missing
Investment / RRSP / TFSA Statements
Missing
3. Collateral & Property Documents (Proving Asset Value)
Agreement of Purchase & Sale (APS)
Missing
MLS Feature Sheet
Missing
Property Tax Statement / Bill
Missing
4. Character, Identity & Credit Documents
Government-Issued Photo ID
Missing
Credit Bureau Report (Equifax / TransUnion)
Missing
Verified Extracted Information (Locked - Click Edit Icon to Modify)
Auto-Populated by AI8GHT AI
John & Sarah Miller
450 Bay St, Toronto, ON
$9,500.00
$850,000.00
Supplemental Information Required
The parameters below were not identified in the uploaded documents. Please enter required values (Placeholders provided).
The parameters below were not identified in the uploaded documents. Please enter required values (Placeholders provided).
Automated Decision Output
John & Sarah Miller
Case #UW-849201
Approved
GDS Ratio (Stress)
28.4%
Limit: 39.0%
TDS Ratio (Stress)
35.8%
Limit: 44.0%
LTV Ratio
80.0%
Uninsured Conventional
Qualifying Stress Rate
7.25%
OSFI B-20 (Contract + 2.0%)
Income & Housing Breakdown
Total Gross Monthly Income
$10,700.00
Purchase Price
$850,000.00
Down Payment (20%)
$170,000.00
Mortgage Loan Amount
$680,000.00
Contract Monthly P&I (@ 5.25%)
$4,047.80
Stress Test Monthly P&I (@ 7.25%)
$4,860.12
Risk Flags & Discrepancies
No critical risk flags or document anomalies detected.