Infosys agentic AI mortgage underwriting solution

smarter decisions, faster underwriting approvals with a team of specialized AI agents

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Overview

Infosys agentic mortgage underwriting solution reimagines traditional underwriting through a network of specialized AI agents working collaboratively across the lending workflow. From mortgage application intake and document intelligence to credit analysis, compliance validation, and risk assessment, the solution helps lenders accelerate decision-making while maintaining governance and control. An intelligent orchestration layer coordinates AI agent activities, consolidates insights, and generates explainable recommendations, while underwriters remain empowered to review exceptions and make final decisions. This approach enables institutions to improve efficiency and scale operations in an increasingly dynamic lending environment.

Key benefits

50% Faster processing (~90 to 45 minutes per mortgage application)

7x More accurate; error rate reduced to under 1%

2x Throughput, with no additional headcount

6 Specialized AI agents working in parallel under one orchestrator

100% Audit trail on every approve/refer/decline decision

Why us?

Four underwriting challenges we solve

Time-consuming
Manual underwriting can take 90–120 minutes per file, with key activities including application intake (5–10 mins), credit report review (15–20 mins), income calculation (20–25 mins), and condition identification (5–10 mins), driving significant effort and delaying decisions.

Human error
Manual income calculations, data entry, liability assessment, and document validation increase the risk of errors, missing information, and rework, contributing to a 5–8% error rate.

Inconsistent decisions
Varying interpretation of credit profiles, income eligibility, identified conditions, exceptions, and underwriting guidelines can lead to inconsistent decisions and additional reviews.

Compliance risk
Manual validation against evolving credit policies, underwriting guidelines, and fair-lending requirements increases the risk of missed exceptions and compliance issues.

A team of specialized, orchestrated AI agents

A unified, AI agent-orchestrated framework that automates the full underwriting lifecycle — from intake to decisioning — while keeping underwriters in the loop for exceptions. Six specialized agents work in parallel against real-time policy rules, coordinated by an orchestrator agent.

AI-powered loan decision workflow — six agents and orchestrator

Intake agent: Receives the mortgage application, parses documents, and extracts key fields.
Credit agent: Pulls the credit report and scores risk indicators.
Verification agent: Validates income and employment documents.
DTI agent: Computes the debt-to-income ratio and applies policy thresholds.
Compliance agent: Runs fair-lending and regulatory checks.
Risk agent: Analyses the LTV and overall risk and recommends the solution.

The orchestrator delivers an automated approve, refer, or decline decision along with a full audit trail, compliance report, and reasoning summary.

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