Built ML that underwrites a mortgage in seconds
Two Canadian banks were issuing mortgages in weeks.
We built the ML system that automated underwriting (transactions, personal data, valuation model) end to end.
100%
Underwriting Accuracy Rate
2.5 sec
Full Application to Decision Time
1 month
Delivery From Scoping to Go-Live
AI & Automation
About The Company
The Challenge
Underwriting runs on too many manual steps
Each application moves through multiple data sources, checks, and reviews sequentially. At volume, that process needs to be systematised.
Property valuation needs its own model
Collateral appraisal can't rely on manual assessment at scale. An automated valuation model that pulls real data removes the bottleneck and standardises the output across every application.
Speed is part of the product
In mortgage lending, time to decision affects conversion. A process measured in weeks has a direct impact on how many applicants make it to close and with which lender.
Scaling before the model was right
In a high-competition health app market, more spend without smarter targeting just inflated CPC and diluted ROI. The goal wasn't more leads: it was the infrastructure to find the right ones, consistently, at scale.
The Approach
Data & Rules Mapping
Mapped bank transaction data, personal data inputs, and each bank's underwriting rules. Defined the valuation model requirements.
- All data sources and inputs documented
- Underwriting logic mapped per bank
- Property valuation model scoped
Model Build
Built the automated underwriting engine: combining transaction analysis, personal data scoring, and a proprietary property valuation model into one pipeline.
- Transaction and personal data model built
- Property valuation model developed
- Underwriting rules automated end to end
Validation & Delivery
Full pipeline tested end to end. 100% accuracy confirmed. Deployed for both banks with documentation.
- 100% accuracy validated
- End-to-end process runs in seconds
- Delivered to both banks within 1 month
The Results
100%
Underwriting accuracy confirmed across all application types before go-live.
2.5 seconds
Full application to underwriting decision. End to end, automated.
1 month
Scoping to deployment. Both banks live on the same system.
2 banks
Running the same automated underwriting engine across their full application volume.
Ready to work together?
If your underwriting still runs on manual steps - there's a faster way.
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