Mortgage brokerages can spend three weeks per client chasing pay slips and bank statements by phone. An AI checklist chases each missing document over WhatsApp, OCR-validates every upload instantly and flags items expiring before underwriting.
Typical results
-71%
Time to complete a file
93%
Docs accepted first time
0
Nagging phone calls
Figures reflect typical results for this kind of automation.
The challenge
Every lender wants a slightly different document stack, and clients sent theirs in dribs and drabs — a cropped pay slip here, an outdated statement there. Brokers spent ten hours a week on polite nagging, a third of uploads bounced for being wrong or unreadable, and files crawled toward completion while interest-rate approvals expired.
Before and after
File completion
−71%Rejected uploads
−77%Broker chasing time
−90%The automation
Selecting the lender and case type generates the exact document checklist that bank requires. A WhatsApp bot then works the list: it requests each missing item with a plain explanation and an example image, OCR-validates every upload — correct document type, right name, covered period, legibility — and rejects bad files with specific fix instructions. Documents that will expire before underwriting are flagged and re-requested early, and the broker sees a live completeness bar per file.
How it works
- 01
Checklist built
Choosing the lender and case type generates that bank's exact document list.
- 02
WhatsApp chase
The bot requests each missing item with a plain explanation and an example image.
- 03
OCR checks
Every upload is validated instantly — right document, right name, right period, legible.
- 04
Expiry watch
Items that will lapse before underwriting are flagged and re-requested early.
- 05
File ships
The broker submits a complete, validated file — often within six days of intake.
Starts from
- Lender-specific checklist
- Client WhatsApp uploads
Delivers
- Validated documents
- Expiry warnings
- Complete file to lender
The impact
Average file completion typically drops from three weeks to six days. First-time document acceptance rises from about seventy to ninety-three percent, brokers spend one hour a week on chasing instead of ten, and rate approvals stop lapsing because of an expired document.
Questions about this automation
How does the checklist match each lender?
The broker selects the lender and the case type, such as a first purchase or a refinance, and the system generates that bank's exact document list. Each lender's requirements are stored once and maintained centrally, so every client gets the right list without the broker rebuilding it from memory.
What does the OCR validation check?
Each upload is checked for the correct document type, a name that matches the applicant, the required date range and legibility. A cropped pay slip or an outdated bank statement is rejected within seconds over WhatsApp, with a specific instruction on what to send instead, so problems are fixed before the broker opens the file.
How are expiring documents handled?
Each document's validity is tracked against the expected underwriting date. Items that will lapse before submission, such as a pay slip older than the lender allows, are flagged and re-requested early. The broker sees a live completeness bar per file and submits only when every item on the checklist is valid.