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

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