The most advanced AI-powered mortgage underwriting system. X22 learns from every case, every document, and every decision to become smarter with each file processed.
21 specialized AI agents working together to automate underwriting decisions with human-level accuracy
Makes intelligent approve/review/decline recommendations based on comprehensive case analysis.
Advanced document verification with fraud detection and automatic data extraction.
ML-based fraud detection across 8 risk categories with pattern analysis.
Intelligent lender selection based on borrower profile and historical success rates.
Advanced employment letter analysis with employer verification and trust scoring.
Conversational AI assistant with deep Canadian mortgage underwriting expertise.
X22 gets smarter with every case processed. The system learns from outcomes, human corrections, and lender decisions.
AI processes case and makes recommendation
Underwriter validates or modifies decision
Final approval or decline from lender
Captures delta and improves for next time
Six specialized knowledge databases that grow with every file processed
Success patterns & decision factors
Complete case history & results
OCR accuracy & fraud signals
Trust scores & verification rates
By occupation & province
Approval rates by profile
Every agent is continuously evaluated and maintains an A+ performance grade
Core decision engine
DocGuard verification
Risk detection engine
Communication automation
Optimal lender selection
Smart data extraction
Income validation
Expert assistant
A comprehensive breakdown of what happens when X22 analyzes a mortgage application
Documents are automatically classified, OCR extracted, and validated for completeness.
Every data point is cross-referenced, validated, and checked for inconsistencies.
8 fraud categories evaluated with ML-based pattern detection.
Recommendation with full rationale, conditions, and lender suggestions.
See how X22 can transform your mortgage processing with AI that learns and improves continuously.
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