AI Mortgage Agent for Autonomous Lending Operations

# Confer's AI Mortgage Agent Implementation

from typing import Dict, List, Any
import asyncio
from datetime import datetime
from dataclasses import dataclass

@dataclass
class LoanApplication:
    application_id: str
    borrower_info: Dict[str, Any]
    documents: List[Dict[str, Any]]
    status: str = "received"
    
class AIMortgageAgent:
    """Autonomous AI agent for end-to-end mortgage processing."""
    
    def __init__(self, config: Dict[str, Any]):
        self.document_processor = DocumentProcessor()
        self.underwriting_engine = UnderwritingEngine()
        self.compliance_checker = ComplianceChecker()
        self.decision_engine = DecisionEngine()
        
    async def process_application(self, application: LoanApplication) -> Dict[str, Any]:
        """Process mortgage application autonomously."""
        
        # Step 1: Document Processing & Validation
        print(f"Processing application {application.application_id}")
        
        extracted_data = await self.document_processor.extract_data(
            application.documents
        )
        
        validation_result = await self.document_processor.validate_data(
            extracted_data
        )
        
        if not validation_result.is_valid:
            return self._request_additional_documents(validation_result.missing_items)
        
        # Step 2: Credit and Risk Assessment
        credit_analysis = await self.underwriting_engine.analyze_credit(
            borrower_info=application.borrower_info,
            financial_data=extracted_data
        )
        
        risk_score = await self.underwriting_engine.calculate_risk_score(
            credit_analysis, extracted_data
        )
        
        # Step 3: Compliance Verification
        compliance_result = await self.compliance_checker.verify_compliance(
            application, extracted_data, credit_analysis
        )
        
        if not compliance_result.compliant:
            return self._handle_compliance_issues(compliance_result.issues)
        
        # Step 4: Underwriting Decision
        decision = await self.decision_engine.make_decision(
            risk_score=risk_score,
            credit_analysis=credit_analysis,
            loan_parameters=extracted_data.loan_details
        )
        
        # Step 5: Generate Response
        response = await self._generate_decision_response(
            application, decision, risk_score
        )
        
        # Step 6: Initiate Next Steps
        if decision.approved:
            await self._initiate_closing_process(application, decision)
        
        return response
        
    async def _generate_decision_response(
        self, 
        application: LoanApplication, 
        decision: Any, 
        risk_score: float
    ) -> Dict[str, Any]:
        """Generate comprehensive decision response."""
        
        return {
            "application_id": application.application_id,
            "decision": decision.status,
            "loan_amount": decision.approved_amount,
            "interest_rate": decision.interest_rate,
            "loan_term": decision.term_months,
            "conditions": decision.conditions,
            "risk_score": risk_score,
            "processing_time": decision.processing_time,
            "next_steps": decision.next_steps,
            "timestamp": datetime.now().isoformat()
        }
        
    async def monitor_pipeline(self) -> Dict[str, Any]:
        """Monitor loan pipeline and agent performance."""
        
        return {
            "active_applications": await self._count_active_applications(),
            "processing_times": await self._calculate_avg_processing_time(),
            "approval_rate": await self._calculate_approval_rate(),
            "agent_utilization": await self._get_agent_utilization(),
            "compliance_score": await self._get_compliance_score()
        }

# Usage Example
async def main():
    agent = AIMortgageAgent(config={
        "model_version": "v2.1",
        "risk_threshold": 0.75,
        "compliance_rules": "CFPB_2024"
    })
    
    # Process new application
    application = LoanApplication(
        application_id="APP-2024-001",
        borrower_info={"name": "John Doe", "ssn": "***-**-1234"},
        documents=[{"type": "paystub", "url": "..."}, {"type": "bank_statement", "url": "..."}]
    )
    
    result = await agent.process_application(application)
    print(f"Decision: {result['decision']} in {result['processing_time']}ms")

if __name__ == "__main__":
    asyncio.run(main())