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AI agent for mortgage brokers

Large Deposit Sourcing Agent

Find large deposits in statements, collect explanations and proof and check them against lender rules before submission

ComplianceSalesFinanceReal estate and construction
See how it worksGet access
Large Deposit Sourcing Agent: what goes in, what the agent does and what you get

What it does

Large deposits trigger underwriting questions late in the process. When statements arrive, the agent scans them for deposits above the lender's threshold, and groups related transfers. For each one it drafts a request to the client for an explanation and proof, such as a sale document or gift letter. It checks the proof against the lender's rules for sourcing and seasoning. If the proof is weak, it asks for more. After documents arrive it rechecks and drafts a letter of explanation. The broker approves what goes to the lender. Edge case: a $12,000 transfer from a savings account to checking appears as a deposit, and the agent matches it with the other statement.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueApprovedYes, continueApprovedNoNo 1 STARTS WHEN Statements received 2 USES A TOOL Scan statements for large deposits 3 DOES Match transfers between the client's own accounts 4 CHECKS THE RESULT Is any deposit above the lender thresholdunexplained? If not: Draft a request for explanation and proof. Backto step 2. 5 YOU APPROVE Broker approves the client request 6 USES A TOOL Collect documents and read them 7 CHECKS THE RESULT Does the proof meet the lender's sourcing rule? If not: Ask for additional proof and explain what isneeded. Back to step 5. 8 DOES Draft the letter of explanation 9 YOU APPROVE Broker approves the package for the lender 10 RESULT Deposit documentation file
Read the steps as a list
  1. Statements received
  2. Scan statements for large deposits
  3. Match transfers between the client's own accounts
  4. Is any deposit above the lender threshold unexplained?If not: Draft a request for explanation and proof. Back to step 2.
  5. Broker approves the client requestThe agent waits here for your OK.
  6. Collect documents and read them
  7. Does the proof meet the lender's sourcing rule?If not: Ask for additional proof and explain what is needed. Back to step 5.
  8. Draft the letter of explanation
  9. Broker approves the package for the lenderThe agent waits here for your OK.
  10. Deposit documentation file

How it decides

Each deposit above the lender threshold needs a source that fits the lender rule before it goes in the file.

  • Flag deposits above 50% of monthly income
  • Match own-account transfers before asking
  • Require a paper trail for gifts
  • Check the seasoning period for each lender

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Deposit threshold (default 50% of monthly income)
  • Lender rules
  • Request wording
  • Documents accepted

What keeps you in control

It always asks you first

  • Broker approves client requests
  • Broker approves what goes to the lender

Hard limits

  • Never send documents to a lender without approval
  • Never write a source the client did not give

It stops when

  • Done: every large deposit is documented
  • Stop: the source cannot be proven

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensA statement showed a $9,000 deposit and a $12,000 transfer. The agent matched $12,000 to the client's savings. For the $9,000, the client said a gift. The gift letter was missing the donor's account, so the check failed. The agent asked for the transfer record, which arrived the next day and passed the lender rule.

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