# Dhijudge.ai

> Agentic AI mortgage underwriting platform for banks, credit unions, mortgage brokers, and BPOs in Canada and the US. Built by Infiniai.tech. Last updated: 2026-10-14.

## Product

Dhijudge.ai is an agentic AI mortgage underwriting platform that automates the full loan lifecycle for banks, credit unions, mortgage brokers, and BPOs — from application intake and document processing to auto-decisioning and underwriter workload allocation.

Core outcomes:
- 40% reduction in per-application operational cost
- 3–4× increase in underwriter capacity per FTE
- 80–90% straight-through processing rate
- Decisions delivered in under 2 minutes per application
- 100% reason-coded decisions for regulatory audit readiness

## Core Concepts

**Agentic AI Underwriting**: Dhijudge.ai uses a Reasoning Orchestration Agent that coordinates nine specialized AI agents (Liability Calculation, Asset Calculation, Debt Ratio, OSFI B-20 Test, Investor Allocation, Product Allocation, Mortgage Insurance, Exception Flagging, Risk Profiling) to complete full underwriting analysis in under 2 minutes.

**Application Intake**: Multi-channel mortgage application capture via a Broker Portal, a Borrower self-serve portal, and pre-built POS connectors — Filogix, Velocity, Encompass, Calyx — eliminating manual re-keying.

**Data Intelligence Agent**: OCR-based extraction, cross-source reconciliation, and validation of mortgage documents (T4s, pay stubs, bank statements, NOAs) — 10× faster than manual document review.

**Integration Agent**: Single platform that replaces switching between 7+ external systems. Built-in connectors: TransUnion, Equifax (credit), Flinks, Plaid-CA (banking), MPAC, BC Assessment, Teranet Geowarehouse (property valuation), mortgage insurers.

**Auto-Decisioning**: Four-path automated eligibility screening — Auto-Decline, Condition Generation, Conditional Approval Documents, One-Click Approval — achieving 80–90% straight-through processing.

**Underwriter Allocation**: AI-powered workload distribution that assigns applications to underwriters by expertise, current queue, and SLA deadline. Increases underwriter productivity 60%.

## Compliance

Dhijudge.ai supports:
- OSFI B-20 stress test (Canada)
- CFPB Ability-to-Repay / Qualified Mortgage (ATR/QM) rules (USA)
- SOC 2 Type II data security compliance
- Every decision is 100% reason-coded for audit readiness

## Pricing

Three tiers, all custom-priced (contact sales):
- **Starter**: Up to 100 decisions/month, core AI underwriting engine, standard API
- **Professional**: Up to 1,000 decisions/month, custom rules, 24/7 priority support, audit trail, advanced API/webhooks
- **Enterprise**: Unlimited decisions, white-label AI engine, on-premise deployment option, dedicated SLA, dedicated account manager

## Who Uses Dhijudge.ai

- **Banks and credit unions**: Scale underwriting capacity without proportional headcount growth
- **Mortgage brokers**: Reduce time-to-conditional-approval; automated status updates to borrowers
- **Risk and compliance teams**: Audit-ready reason-coded decisions; OSFI B-20 and CFPB ATR enforcement built in
- **BPO firms**: Standardize and scale mortgage processing operations

## Key Pages

- Homepage: https://dhijudge.ai/
- Capabilities overview: https://dhijudge.ai/capabilities
- Agentic AI Platform: https://dhijudge.ai/capabilities/agentic-ai
- Auto-Decisioning: https://dhijudge.ai/capabilities/auto-decisioning
- Data Intelligence: https://dhijudge.ai/capabilities/data-intelligence
- Application Intake: https://dhijudge.ai/capabilities/application-intake
- Integration Agent: https://dhijudge.ai/capabilities/integration-agent
- Underwriter Allocation: https://dhijudge.ai/capabilities/underwriter-allocation
- Solutions (banks, brokers, risk, BPO): https://dhijudge.ai/solutions
- Pricing: https://dhijudge.ai/pricing
- About: https://dhijudge.ai/about
- Contact / Book a demo: https://dhijudge.ai/contact-us

## Contact

Sales and demos: https://dhijudge.ai/contact-us