Verification Agents
Agent registry — each document type has a dedicated agent with its own skills, rules, and reason codes.
6
Total agents
6
LLM-powered
0
Rule-based
…
Verifications
End-to-end pipeline
Agent Registry
Click any agent to expand its skills, rules, and reason codesRuns a 5-specialist LangGraph pipeline to validate borrower identity, employer details, income calculations, cross-document consistency and fraud signals. Supports multi-year 2-year income averaging when multiple W-2s are uploaded for the same loan.
Specialist pipeline
Context Analyst
OCR field packaging (no LLM)
Intake & OCR Quality
Completeness + confidence check
Borrower Identity Agent
Name, SSN, address vs LOS
Employer & Income Agent
EIN, wages, Box math, trend
Lead Verification Agent
Cross-doc, fraud, final verdict
Skills (6)
Data Intake Validation
Confirms all required OCR fields are present and meet confidence thresholds. Detects W-2c, payroll system, source format calibration.
Income Calculation
Box 1 wages, Box 12 Code W HSA add-back, non-recurring items flag, Box 13 retirement plan, 2-year average when multiple W-2s present.
Employer Validation
EIN format check, employer name fuzzy-match vs LOS employment records, job change detection, same-employer-both-years flag.
Borrower Identity Validation
Name similarity ≥0.85 threshold, SSN last-4 match, address consistency, nickname/variant handling, electronic source identity.
Cross-Document Consistency
Box 1 vs IRS 1040 Line 1a, Box 1 vs pay-stub YTD, Box 2 federal tax plausibility, Box 3/5 SS wage cap, Box 16 state wages.
Fraud Signal Review
Box 4/6 tax math (6.2%/1.45%), round-number flag, duplicate W-2s for same employer/year, IRS transcript comparison when available.
Reason codes (18)
W2_001Missing tax year payload — required year not submittedFAILW2_002Income decline >10% year-over-yearREVIEWW2_003Box 1 wages vs. 1040 Line 1a variance >$100 (F1040_003 cross-check)REVIEWW2_004Box 1 wages annualized vs. pay stub YTD variance >5%REVIEWW2_005Employer EIN invalid format or employer name mismatchREVIEWW2_006Employee name does not match borrower legal nameFAILW2_007SSN last-4 on W-2 does not match loan applicationFAILW2_008Fraud signal from OCR/fraud detection agent — immediate escalationFAILW2_009Extraction confidence below 0.75 — re-submission requiredFAILW2_010W-2 does not match IRS transcript — potential fraudFAILW2_011Corrected W-2c submitted — enhanced underwriter review requiredREVIEWW2_012Multiple W-2s from same employer same tax year without W-2cREVIEWW2_013Box 4 SS tax or Box 6 Medicare tax does not match expected IRS rate (6.2%/1.45%) — possible document alterationFAILW2_014Low-confidence field(s) flagged — human confirmation requiredREVIEWW2_015Document classified as something other than W-2 or W-2c — rejectedFAILW2_BORROWER_NAME_MISMATCHBorrower name on W2 does not match application (legacy code)FAILW2_SSN_MISMATCHSSN on W2 does not match application (legacy code)FAILW2_EMPLOYER_MISMATCHEmployer on W2 does not match stated employment (legacy code)REVIEWTools & integrations
Verification outcomes
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