MortgageUnderwritingSwarm

MortgageUnderwritingSwarm is a multi-agent mortgage underwriting system built with swarms.ai. It leverages a modular multi-agent architecture to analyze mortgage documents, evaluate risk, and produce final underwriting decisions—all in less than 24 hours. The system supports PDF-to-text conversion, autosaving of intermediate results, flexible output formats (PDF/JSON), and batch processing for multiple applications.

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Overview

MortgageUnderwritingSwarm automates the mortgage underwriting process using three specialized agents:

1. Document Analyzer Agent
   Extracts and validates key information from mortgage documents (text or PDF).

2. Risk Evaluator Agent
   Analyzes the extracted data to compute a detailed risk score and evaluation.

3. Mortgage Underwriter Agent
   Integrates all data to render a final underwriting decision (Approved, Conditionally Approved, or Denied).

These agents work sequentially and collaboratively to ensure that the entire underwriting process is both robust and transparent.

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Features

• Advanced Document Processing:
  Supports both text and PDF documents with built-in PDF-to-text conversion.

• Comprehensive Risk Evaluation:
  Detailed analysis of financial, credit, and property data to generate a risk score.

• Automated Underwriting Decisions:
  Final decisions include exhaustive explanations that adhere to industry standards.

• Autosaving & Batch Processing:
  Automatically saves intermediate results and supports processing multiple applications concurrently.

• Flexible Output Formats:
  Generate final reports as PDF documents or JSON data structures for seamless integration with other systems.

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Architecture

System Flow Diagram

Below is a high-level overview of how the system processes an application:

flowchart TD
    A[Mortgage Application Documents]
    B[PDF-to-Text Conversion]
    C[Document Analyzer Agent]
    D[Risk Evaluator Agent]
    E[Mortgage Underwriter Agent]
    F[Autosave Intermediate Results]
    G[Final Output Generation]

    A -->|Text or PDF| B
    B --> C
    C --> F
    F --> D
    D --> F
    F --> E
    E --> F
    E --> G

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Detailed Architecture Diagram

The following sequence diagram shows how data flows through the system:

sequenceDiagram
    participant U as User/Application
    participant D as Document Analyzer Agent
    participant R as Risk Evaluator Agent
    participant M as Mortgage Underwriter Agent
    participant S as Autosave & Batch Processor
    participant O as Output Generator

    U->>D: Submit Mortgage Documents
    D->>S: Save Document Analysis Output
    D->>R: Forward Analysis Summary
    R->>S: Save Risk Evaluation Output
    R->>M: Forward Risk Evaluation Report
    M->>S: Save Underwriting Decision Output
    M->>O: Generate PDF/JSON Report
    O->>U: Return Final Underwriting Decision

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Installation

1. Clone the Repository

   git clone https://github.com/The-Swarm-Corporation/MortgageUnderwritingSwarm.git
   cd MortgageUnderwritingSwarm

2. Install Dependencies

   This project requires Python 3.8+ along with several libraries:

   • swarms (from swarms.ai)
   • PyPDF2
   • reportlab

   Install dependencies using pip:

   pip install -r requirements.txt

3. Set Up Your Environment

   Ensure that any necessary environment variables are configured, particularly if your swarms.ai setup requires authentication or API keys.

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Usage

Single Application Processing

To process a single mortgage application, you can run the script directly:

python mortgage_underwriting_swarm.py

Alternatively, import the class into your own Python script:

from mortgage_underwriting_swarm import MortgageUnderwritingSwarm

# Initialize the swarm with a designated autosave directory
swarm = MortgageUnderwritingSwarm(save_directory="./autosave_results")

# Process a single mortgage application
final_pdf_path = swarm.process_application(
    application_data="Your application document text here...",
    return_format="pdf",
    output_filename="Applicant_UnderwritingDecision"
)
print(f"PDF generated at: {final_pdf_path}")

Batch Processing

For processing multiple applications simultaneously:

applications = [
    "Application data for Applicant 1...",
    "Application data for Applicant 2...",
    # Add more application texts as needed
]

# Process applications in batch and return JSON results
results = swarm.process_applications_in_batch(applications, return_format="json")
for result in results:
    print(result)

PDF to Text Conversion

If your input documents are in PDF format, convert them to text using:

text_from_pdf = swarm.pdf_to_text("path_to_document.pdf")
print(text_from_pdf)

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Technical Details

• Multi-Agent Architecture:
  The system employs three dedicated agents that each focus on a specific task (document analysis, risk evaluation, and final underwriting). Each agent is powered by a GPT-4o-mini model provided by swarms.ai.

• Autosaving:
  Intermediate outputs are autosaved as text files to ensure auditability and traceability.

• Flexible Output:
  The final underwriting decision can be generated as either a PDF report (using ReportLab) or as a JSON object.

• Batch Processing:
  The system supports batch processing, allowing multiple mortgage applications to be processed in a single run.

• PDF-to-Text Conversion:
  Using PyPDF2, the system can convert PDF documents into plain text for further processing by the agents.

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Contributing

Contributions are highly welcome! Please follow these guidelines:

1. Fork the repository.
2. Create a feature branch for your changes.
3. Write tests to validate your changes.
4. Submit a pull request with detailed information about your changes.

For any questions or discussion, please open an issue in the repository.

🛠 Built With

• Swarms Framework
• Python 3.10+
• GROQ API Key or you can change it to use any model from Swarm Models

📬 Contact

Questions? Reach out:

• Twitter: @kyegomez

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Book a call with here for real-time assistance:

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