Pointingfish reads every document in a borrower package - Form 1040s, 1065s, K-1s, paystubs, W-2s, bank statements, transcripts, IDs, and disclosures - then delivers validated, structured data your underwriters and LOS can act on immediately.
This moves the conversation from documents to underwriting readiness.
Pointingfish eliminates the document bottleneck so underwriting teams can focus on decisions - not document preparation.
Not a generic OCR bolt-on. Pointingfish ships with mortgage-specific models for the document types that show up in real origination files-wholesale, retail and correspondent.
Personal returns, Schedule C, E, K-1 reconciliation
YTD, gross, net, withholdings, employer verifications
Partnership returns, member shares, distributive income
1040, schedules, business returns, 4506-C transcripts
Balances, large deposits, NSF detection, asset sourcing
Tri-merge parsing, tradelines, inquiries, public records
Driver’s licenses, passports, expiration validation
Appraisals, prelims, HOI, flood certs, purchase contracts
LE, CD, intent to proceed, e-consent, eClosing packages
Form 1040s, 1065s, K-1s, Schedule C, Schedule E, partnership returns, and supporting statements
POS, broker portal, email, SFTP. Mixed-quality scans welcome.
300+ doc categories detected and separated at page boundaries.
Borrower, income, asset and credit fields pulled with confidence scores.
Name matching, employer validation, income consistency checks, asset verification, expiration rules, and exception detection.
JSON, indexed PDF or direct push to Encompass, BytePro, etc.
Non-QM and bank-statement programs use Pointingfish to read self-employed income packages-Form 1040s with Schedule C and E, Form 1065 returns, K-1s, and 3-month bank statements-and surface the data underwriters need.
Self-employed income readyRetail mortgage lenders use Pointingfish to stack and index borrower packages the moment they hit the LOS-income, asset and credit documents classified, key fields extracted, and the file handed to underwriting clean.
Same-day file readinessWholesale and correspondent shops receive broker submissions in every format imaginable. Pointingfish normalizes the stack-splits the package, classifies each document, flags missing pieces-before the file enters the queue.
Cleaner broker submissionsEliminate manual document stacking, sorting, and indexing before underwriting begins.
Accurately identify and organize borrower documents across complex loan packages.
Deliver underwriting-ready files faster and reduce delays caused by missing or misclassified documents.
Every extraction, validation, and exception linked back to the original document.
Pointingfish understands:
Automatically organize and validate complex borrower files before they reach underwriting.
Extract and analyze income data across tax returns, paystubs, W-2s, and self-employed borrower documents.
Identify, classify, and track critical disclosures to support compliance and audit readiness.
Detect missing, expired, or incomplete documents against investor and lending requirements.
Deliver structured, decision-ready information that helps underwriters focus on risk - not document review.
Bring a real borrower package and see how Pointingfish organizes, validates, and prepares files before they ever reach underwriting.