AI-Powered Loan Origination System
Deploys a sophisticated multi-agent orchestration system with nine specialized AI agents that process loan applications in minutes rather than days. Each agent uses ReAct (Reasoning + Acting) loops for transparent decision-making, tool calling for external data access, and SHAP-based explainability for regulatory compliance.
Problem Statement
The challenge addressed
Solution Architecture
AI orchestration approach
New loan application interface with applicant information input and multi-agent ReAct architecture display
Multi-agent orchestration showing credit decision workflow with real-time data collection and analysis
Credit decision approved with comprehensive risk assessment, applicant profile, and market context analysis
Observability dashboard with OpenTelemetry distributed traces and agent performance metrics
AI Agents
Specialized autonomous agents working in coordination
Workflow Orchestrator
Loan origination involves nine distinct processing stages with complex dependencies, timing requirements, and failure handling needs. Without intelligent orchestration, processing becomes sequential and slow.
Core Logic
Manages the complete loan application workflow from submission to decision. Coordinates parallel execution where dependencies allow, handles stage failures gracefully, maintains distributed trace context across all agent invocations, and ensures proper handoffs between processing stages.
Data Collection Agent
Loan decisions require data from multiple credit bureaus with different APIs, formats, and reliability characteristics. Data must be normalized and validated before downstream processing.
Core Logic
Aggregates credit data from Experian, Equifax, and TransUnion bureaus through their respective APIs. Normalizes report formats across bureaus, validates data completeness, and flags any bureau-specific discrepancies. Queries internal databases for prior application history and existing customer relationships.
Market Intelligence Agent
Competitive loan pricing requires real-time awareness of Federal Reserve rates, treasury yields, competitor pricing, and macroeconomic indicators. Static rate tables fail to capture market dynamics.
Core Logic
Fetches real-time market data including Federal Funds rate, prime rate, 10Y and 2Y treasury yields, mortgage rates, and market volatility indices. Analyzes competitor rate offerings across lenders. Evaluates economic indicators (unemployment, inflation, GDP growth, consumer sentiment) to assess lending environment favorability.
Credit Analysis Agent
Credit assessment requires sophisticated analysis of payment history, utilization, credit age, account mix, and recent inquiries with appropriate weighting to determine creditworthiness and probability of default.
Core Logic
Applies FICO scoring methodology with weighted factor analysis. Calculates probability of default using logistic regression models. Determines risk tier classification (super-prime through deep-subprime). Provides detailed factor breakdowns explaining score contributions and generates transparent reasoning traces.
Fraud Detection Agent
Application fraud including synthetic identities, velocity abuse, and identity theft poses significant financial risk. Detection must balance thoroughness with application processing speed.
Core Logic
Executes comprehensive fraud checks including velocity analysis (application frequency), device fingerprint trust scoring, identity verification match scoring, address verification against bureau records, and synthetic identity probability assessment. Uses anomaly detection models to identify suspicious patterns.
Income Verification Agent
Stated income must be verified against actual employment records and income documentation to prevent fraud and ensure accurate affordability assessment.
Core Logic
Verifies employment through employer database queries using EIN lookup. Confirms job title, tenure, and income figures. Analyzes income stability trends and variability. Calculates variance between stated and verified income with acceptable threshold determination.
Debt Analysis Agent
Accurate debt-to-income calculations require aggregation of all monthly obligations from credit reports and determination of whether proposed loan payments maintain acceptable affordability levels.
Core Logic
Aggregates all monthly debt obligations from credit tradelines including mortgages, auto loans, credit cards, and installment loans. Calculates current and proposed DTI ratios. Validates QM (Qualified Mortgage) safe harbor compliance at 43% threshold. Computes residual income and affordability scores.
Risk Forecasting Agent
Static risk assessment fails to account for economic uncertainty and potential stress scenarios. Lenders need forward-looking risk evaluation with confidence intervals.
Core Logic
Executes Monte Carlo simulations across 10,000 economic scenarios to forecast default probabilities at 30, 90, and 365-day horizons. Runs stress tests for recession, interest rate shock, and unemployment spike scenarios. Calculates Value-at-Risk (VaR) at 95% and 99% confidence levels and expected loss figures.
Decision Engine Agent
Final credit decisions must synthesize all analysis results against policy rules while generating explainable decisions that satisfy regulatory requirements.
Core Logic
Evaluates aggregated analysis results against credit policy rules engine. Determines approval status, approved amount, interest rate tier, and loan terms. Generates SHAP-based explainability values showing feature contributions to the decision. Creates counterfactual explanations showing how different inputs would change outcomes.
Compliance Agent
Loan decisions must comply with FCRA (Fair Credit Reporting Act), ECOA (Equal Credit Opportunity Act), TILA (Truth in Lending Act), and QM (Qualified Mortgage) regulations. Non-compliance exposes the lender to regulatory penalties and litigation.
Core Logic
Validates the complete decision against all applicable regulations. Ensures FCRA-compliant credit report usage and adverse action procedures. Verifies ECOA fair lending compliance with no prohibited factor usage. Confirms TILA APR disclosure accuracy. Validates QM safe harbor qualification. Generates comprehensive audit trail for regulatory examination readiness.
Worker Overview
Technical specifications, architecture, and interface preview
System Overview
Technical documentation
Tech Stack
6 technologies
Architecture Diagram
System flow visualization