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7h • General Discussion 💬
n8n Mortgage Validator That Eliminated 180 Hours Annual Manual Review 🔥
Mortgage processing. 240 applications annually. Manual qualification consuming 180 hours.
Built n8n workflow. Zero manual calculations. Systematic validation.
THE MORTGAGE PROBLEM:
Every application manual. Loan officer reading documents. Calculating housing payments. Computing DTI ratios. Checking credit. Verifying employment.
45 minutes per application. 240 annually = 180 hours.
Audit revealed errors - 34 incorrect DTI calculations. 67 missing credit verifications. 89 inconsistent qualification decisions. 14.2% error rate.
Manual process breaking down. Same borrower calculated differently by same loan officer week to week. Different officers applying different standards. No systematic criteria application.
THE n8n AUTOMATION:
6-node workflow with 5-path credit routing:
Node 1 - Gmail Trigger: Monitors applications
Node 2 - Get Email: Downloads with attachment
Node 3 - Prepare Binary: Formats document
Node 4 - Extract Data: Pulls borrower/income/assets/liabilities/property/loan
Node 5 - Calculate & Validate: Computes DTI/LTV/reserves, validates criteria
Node 6 - Log Database: Updates tracking
Node 7 - Credit Router: Routes by tier (Excellent/Good/Fair/Poor/None)
EXTRACTION:
Borrower - name, email, employment, income
Assets - checking, savings, retirement, investments
Liabilities - debts with monthly payments
Property - address, type, purchase price
Loan - amount, down payment, term, rate
CALCULATIONS:
```javascript
// Housing payment
const payment = (loan * rate) / (1 - Math.pow(1 + rate, -months));
const tax = (price * 0.012) / 12;
const insurance = (price * 0.006) / 12;
const housing = payment + tax + insurance;
// DTI ratios
const frontDTI = (housing / income) * 100;
const backDTI = ((housing + debt) / income) * 100;
// Other metrics
const ltv = (loan / value) * 100;
const reserves = assets / housing;
```
VALIDATION CRITERIA:
Back-end DTI > 43% = Needs Review
Front-end DTI > 28% = Conditional
Credit < 620 = Needs Review
Employment < 2 years = Conditional
Reserves < 2 months = Conditional
Systematic application. Every application. Every time.
12-MONTH RESULTS:
240 applications processed. Zero manual calculations. Zero math errors. Zero credit oversights.
Qualification consistency - 100%. Same borrower profile evaluated identically across all loan officers.
Time recovered - 180 hours annually. Reallocated from calculations to client communication.
Templates: n8n
How many hours annually calculating DTI manually? What's your qualification error rate?
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n8n Mortgage Validator That Eliminated 180 Hours Annual Manual Review 🔥
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