How AMY works under the hood.
An AI-driven workflow that carries a borrower from Application → Clear to Close — and hands a clean, underwriter-ready package to a human. AMY automates the processing. The underwriter still makes every decision.
Six stages, one loan object.
Borrower Portal
Auth, loan creation, mobile uploads, document requests, task dashboard, status tracking, SMS/email, e-sign.
- Loan created
- Borrower created
- Document uploaded
- Task assigned
Document Processing
Upload → OCR → classification → field extraction → validation → confidence score → store in MISMO.
- Structured JSON
- No free text
- Confidence score
MISMO 3.4 Loan Object
The single source of truth. Everything writes here; nothing writes directly to Encompass.
- Borrowers · Income · Assets
- Liabilities · Property · Loan
- Conditions · Docs · Audit log
Calculation Engine
No AI. Deterministic only. Income, Assets, DTI, LTV, CLTV, PITI, Reserves.
- Result
- Formula used
- Supporting docs
- Explanation
Condition Engine
From Encompass / DU / LPA. Find docs → already have? auto-clear : create task → recheck → auto-submit.
- Auto-clear when sourced
- Borrower task when not
- Auto-submit on recheck
Communication Engine
Twilio + SendGrid. SMS → email → 48h reminder → 5-day → 7-day escalation → notify loan officer.
- Multi-channel outreach
- Escalation cadence
- LO handoff
AI assistant — allowed
- ✓Explain documents
- ✓Explain the upload process
- ✓Explain loan status
AI assistant — never
- ✕Quote rates
- ✕Approve loans
- ✕Deny loans
- ✕Discuss loan terms
Every vendor converts to and from MISMO.
| Category | Provider | API |
|---|---|---|
| LOS | ICE Encompass | Developer Connect REST API |
| OCR | AWS Textract | Textract API |
| OCR | Document AI API | |
| AI Extraction | OpenAI | Responses API |
| AI Extraction | Anthropic | Messages API |
| Asset Verification | Plaid | Plaid API |
| Asset Verification | Finicity | Finicity API |
| Income Verification | Truv | Truv API |
| Income Verification | Argyle | Argyle API |
| Messaging | Twilio | REST API |
| SendGrid | SendGrid API | |
| E-Sign | DocuSign | eSignature API |
| Storage | AWS | S3 API |
| Category | Providers |
|---|---|
| Credit | Xactus · CBC Innovis · Informative Research · CoreLogic Credco |
| AUS | Desktop Underwriter (DU) · Loan Product Advisor (LPA) |
| Fraud | LexisNexis · ComplyAdvantage |
| Compliance | ICE Mavent · ComplianceEase |
| Flood | CoreLogic · LERETA |
| Category | Providers |
|---|---|
| Appraisal | Reggora · Mercury · Clear Capital |
| Title | Qualia · SoftPro · ResWare |
| Insurance | Matic |
| Recording | Simplifile |
| eNote | MERS eRegistry |
| eVault | DocMagic |
Internal services
Database entities
One path, fully audited.
What ships first.
Engineering rules.
- 1MISMO 3.4 is the only source of truth.
- 2Every vendor connects through the Integration Layer.
- 3No internal service talks directly to external APIs.
- 4All AI outputs must return structured JSON.
- 5Every calculation must be deterministic and auditable.
- 6Every action must be logged with an audit trail.
- 7The platform automates processing — not underwriting.