MOZAIQ

Introduction

MOZAIQ delivers end-to-end, AI-powered mortgage automation solutions that help mortgage lenders streamline operations, lower costs, improve quality, and scale efficiently—combining decades of industry experience with the power of Generative AI to drive measurable performance. With zero upfront costs, out platform empowers mortgage lenders to adapt, compete, and lead in a digital-first future.

Product Offerings (Core Services & Solutions)

The MOZAIQ platform automates processes across the entire mortgage fulfillment lifecycle—from loan setup through underwriting, funding, closing, and post-closing. The solutions are offered via a flexible, per-loan pricing model with zero upfront costs.

The MOZAIQ automation solutions, easily configured to suit each client’s mortgage origination processes, technology environment, and risk and security requirements, include:

• Loan Setup / File Review: Ensures the originator submitted package meets minimum lender requirements by organizing the package in the System of Record, entering data from the documents, ensuring consistency across the loan package, and calling out areas requiring further review by the Underwriting team.
• Appraisal Review: Automates the review of your Appraisal documents (1004, 1073, and 1025) to agency guidelines. Ensure consistency across other related documents, such as Flood, Title and Purchase Contract. Highlights items that need further review by the Underwriting team.
• Initial Underwrite / Pre-Underwrite: To streamline the underwriting process and support underwriters in making faster and more efficient loan approval decisions, the pre-underwriting automation solution encompasses key automation modules including: Asset Review, Credit Review, Income Review, and AUS Review.
• Pre-Fund Review: Performs Data Integrity, Occupancy, UW Approval, Compliance and LQA/Early Check reviews.
• Closing and Funding: Streamline and enhance the accuracy of mortgage loan reviews during the critical closing and funding stages. Validates closing documents—for both Conventional (FNMA/FHLMC) and Government (FHA/VA/USDA) loans—against lender-specific requirements and investor guidelines. Identifies discrepancies, compliance gaps, and potential funding risks.
• Post Close Automation: Enhances the quality, efficiency, and analysis of post-close documents—covering both Conventional (FNMA/FHLMC) and Government (FHA/VA/USDA) loans—against lender-specific requirements and investor guidelines. By finding discrepancies, flagging missing documentation, and identifying compliance risks, it enables lenders to quickly address and resolve issues prior to loan delivery or final audit.
• Loan Delivery: Facilitates error-free delivery of closed and allocated loans to Freddie, Fannie, and other aggregators (e.g., Amerihome Mortgage, Truist, PHH, Chase, Mr. Cooper, Flagstar Bank, Newrez, Wells Fargo, Freedom, PennyMac, Planet Home). Loans are delivered 24x7 with minimal human intervention, facilitating a faster clearance from warehouse lines. MOZAIQ’s Loan Delivery Solution includes delivering loan data and documents to investors, and shipping packages to assigned servicers.
• Loan Document Indexing: Indexes (categorizes) over 350 mortgage loan documents at a 98% accuracy with exception handling. Leverages a sophisticated heuristics-based approach, supports custom naming conventions for loan documents, and features advanced entity detection, identifying which borrower is listed in each document. Additionally, it includes customized document training for specialized files such as cover sheets.

Client Success and Case Study

MOZAIQ works with three of the top ten US mortgage lenders, including TLS and PRMG. A partial list of MOZAIQ clients can be found on our website at www.mozaiq.ai/clients

Below is a sample case study for our Appraisal Analyzer solution. More case studies can be found at www.mozaiq.ai/customer-stories

The Problem
Appraisal review is a manual, time-consuming process requiring underwriters to validate over 200 data points across numerous mortgage loan documents. For most lenders, this review—relying on PDFs, LOS data, and basic checklists—can take up to if not over an hour per loan, creating a bottleneck in the underwriting workflow. Inaccurate reviews delay closings, lower margins, impact loan quality, and hurt customer and broker relationships in a highly competitive and regulated market. Not to mention wasting your underwriter’s time which should be spent analyzing risk and making credit decisions, not chasing data.

The Solution
MOZAIQ’s Automated Appraisal Analyzer streamlines the review process by extracting data directly from the LOS and appraisal-related documents using intelligent document processing, machine learning, and generative AI. It compares extracted values against LOS data using pre-configured business rules, flags discrepancies, and calculates CU risk scores to determine review depth. Underwriters receive pre-analyzed files with only exceptions to review, drastically reducing their workload and decision time.

The Benefits
The Appraisal Analyzer doubles underwriting productivity, cuts manual review time by 50%, and enables 24/7 processing. Faster, automated, and more accurate reviews also increase loan quality, improve broker and customer satisfaction, and enhance the lender’s competitive positioning in a tight lending landscape.

Key Differentiators

• End-to-End Automation: MOZAIQ covers the full end-to-end mortgage origination lifecycle—eliminating the need for multiple vendors and fragmented point solutions.
• Rapid Deployment: Our pre-configured solutions go live fast—often in under four weeks—delivering immediate, measurable results.
• Transparent, Usage-Based Pricing: No annual licensing or setup fees. You pay only for what you use: per transaction (loan). That’s it.
• Managed Services Included: 24/7 support, upgrades, and maintenance are built in—so you can focus on lending, not IT upkeep.
• Deep Mortgage Expertise: With 25+ years of experience, our team understands your challenges—scaling operations, improving margins, cutting underwriting time, and enhancing loan quality.
• Built-In Innovation: From RPA and ML to Generative AI, MOZAIQ continually integrates the latest automation tech—so you don’t have to.

To learn more about how MOZAIQ can help you achieve rapid business benefits with mortgage automation, contact our team at info@mozaiq.ai, or visit us at www.mozaiq.ai.