Apprify — AI mortgage platform

AIFinTechLLM

Apprify is an AI platform for processing mortgage applications, built for a mortgage broker in Canada. It reads the documents applicants upload, extracts income and credit data, calculates eligibility ratios and compares every application with lender criteria. The AI does the analysis; the broker makes the call.

Screenshot of the summary and calculations screen in Apprify

BACKGROUND

About the project

FieldCustom software

Project typeAI platform

TechnologyASP.NET · Razor Pages · LLM

THE CHALLENGE

What was the challenge?

A mortgage broker runs a complex financial analysis for every loan, and before this project each step of it was manual: client data arrived by email, brokers reviewed every document by hand, calculations were done by hand, data was scattered across many files and lender criteria were compared one by one. The result was slow turnaround, a higher risk of errors and a hard cap on how many applications the team could process.

OUR SOLUTION

Our solution

We built a platform that takes every application through five steps: applicants, income and existing properties, down payment verification, summary and calculations, and lender match. LLM-based parsing sorts the PDFs applicants upload, verifies paystubs and job letters, and flags income discrepancies and inconsistencies between documents. The system confirms the source and availability of down payment funds, calculates GDS, TDS, LTV and payments instantly, and compares each application with bank criteria, with a summary and recommendations. All applicant data lives in one client profile. The platform went from concept to delivery in 3 months, and applications are now processed twice as fast, with far less manual work, more applications per broker and structured decisions with a clear audit trail.