When a customer applies for a mortgage loan, there are so many documents to review to ensure compliance and also to ensure the customer has the ability-to-pay the mortgage terms. Moreover, if the customer comes from a unique situation such as a self-employed individual, the process of reviewing their financial history can take even longer. On the other hand, AI can read and react to documents more quickly than a human employee can with fewer mistakes. AI can also scan online payment histories, income, and credit verifications so that the customer may receive an answer faster.