Every document reads itself
Upload a paystub. AI classifies it, extracts income, detects screenshots, checks freshness, calculates qualifying income per FNMA guidelines, and generates Form 1084 — before you open it.
From upload to underwriting-ready.
Four steps. Zero manual sorting. Every document classified, extracted, verified, and calculated before you touch it.
Borrower Uploads
Paystubs, W-2s, bank statements, tax returns — dropped into the portal or emailed directly to the LO.
AI Classifies & Extracts
Document type detected in seconds from 20+ mortgage categories. Income, employment, dates, and key fields extracted with confidence scores.
Verified & Scored
Triple-layer screenshot detection, freshness checks, quality scoring, and fraud analysis — all before you see it.
Income Calculated
Qualifying income computed per FNMA guidelines across 14 income types. Form 1084 generated. Tasks created for anything missing.
Six layers of document intelligence.
Every document passes through classification, extraction, verification, fraud detection, income calculation, and compliance review — automatically.
Document Classification
AI identifies document type from 20+ mortgage categories — paystubs, W-2s, 1099s, tax returns, bank statements, VOEs, and more. No manual sorting.
OCR & Data Extraction
Multi-engine OCR extracts income, employment, dates, and financial data into structured fields with confidence scores per field.
Screenshot Detection
Triple-layer system checks EXIF metadata, visual heuristics, and semantic patterns to catch and reject phone screenshots before they enter your file.
Freshness Monitoring
Auto-tracks document expiration. Paystubs at 30 days, bank statements at 60. Borrower renewal requests sent before they expire.
Income Calculation
14 income types calculated per FNMA guidelines — W-2, self-employment, rental, bank statement, 1099, SSA, pension, and more. Form 1084 auto-generated.
Compliance & Audit
Full audit trail on every document action. Maker-checker approval workflow. PII encryption at rest and in transit. GLBA compliant.
Never chase a document again.
Smart needs lists, SLA monitoring, and borrower portal notifications eliminate the back-and-forth entirely.
Smart Needs List
Auto-generates required documents based on loan program, occupancy type, income type, and borrower profile. Updates dynamically as conditions change.
SLA Tracking
3-business-day default SLA. Breaches flagged, escalations triggered, processors notified automatically. No documents fall through the cracks.
Borrower Portal
Borrowers see exactly what is needed, what has been received, and what is outstanding — with one-tap upload from their phone. No calls required.
Every document type. Covered.
Income, assets, property, compliance, identity — Smart Docs knows what each document is, when it expires, and what data to extract. Freshness policies enforced automatically.
Part of the Aria ecosystem.
Smart Docs is not a standalone tool. It is wired directly into Aria's 22-agent fleet, your pipeline, and your LOS.
Document Tracker Agent
Aria's Agent #04 monitors every loan file for missing, expired, or incomplete documents and triggers borrower requests automatically.
Pipeline Automation
When all conditions are satisfied, Smart Docs advances the loan stage automatically — from Processing to Submitted to Underwriting.
Encompass LOS Sync
Extracted data pushes directly to Encompass. Loan fields populated, conditions tracked, and document images attached — no double entry.
Engagement Engine
Missing documents trigger SMS and email reminders through the engagement engine. Borrowers upload directly from the link — no portal login needed.
Audit-ready. Always.
Gramm-Leach-Bliley safeguards for borrower financial data. PII encrypted at rest and in transit.
Tenant isolation on every query. Immutable audit logging. Role-based access controls on document actions.
Income calculations per Fannie Mae Selling Guide. Form 1084 auto-generated with supporting worksheets.
Document freshness rules aligned with TRID timing requirements. Stale documents flagged before disclosure deadlines.
Stop chasing documents.
Let AI handle it.
Every hour spent requesting, reviewing, and organizing documents is an hour not spent with borrowers. Smart Docs does it all — faster and more accurately.