Log In to an 80% Finished Audit with Agentic AI-Powered Mortgage Auditing
Ally doesn't just automate tasks; it automates audits, so auditors can start their day with 80% of the audit work already done and simply review the discrepancies to make the final call.
Proven ROI Ally Brings to Every Audit Team
Chosen And Trusted By
Recognised by Leading Industry Analysts
Infrrd Wins Best IDP Innovator 2025 by Deep Analysis
IDC MarketScape Assessment: Worldwide Unstructured IDP Software Vendors, 2024
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Quadrant SPARK Matrix: Intelligent Document Processing (IDP) Q3 2024
Infrrd Named a Leader in the Everest Group PEAK Matrix® for IDP 2025
True Mortgage Agentic AI, Built to Solve Real Audit Challenges
Here's how Ally solves the biggest challenges that keep compliance leaders up at night:
Explainable Mortgage AI
Catch errors before they become investor putback risks. Ally cross-checks mortgage data points and automatically flags discrepancies for review, and auditors can easily verify them by swiftly tracing the errors back to the source document
Consistent Mortgage Audits
Stop stressing over compliance outcomes that shift with loan complexity or who's reviewing the file. Ally applies every rule consistently, on every loan file, regardless of auditor experience, loan volume, or document format
Auto-Configured Investor Overlays
Stay ahead of shifting agency, investor, and lender rules. Ally auto-configures to post-close guidelines and your unique investor overlays, applying them consistently across every file
10% to 30% Audit Coverage
Stop leaving 90% of your portfolio unreviewed and exposed. Ally expands post-close sampling coverage from the standard 10% to 30%, with no added headcount or hours
2-Hour Audits Done in 30 Minutes
Increase your auditing team's efficiency by 4x. With Ally, auditors can complete all 10 steps of the mortgage post-close audit in just 30 minutes, without growing the team
Looking to automate more of your mortgage audits?
How Ally Turns Regular Audit Teams Into Best-Performing Compliance Powerhouses
Scale Loan Coverage Up to 3x
Explain the "Why" Behind Every Loan Decision
Ensure Consistent Mortgage Reviews
End the Endless Stare-and-Compare
Build Rules Around Your Lender, Investor Overlay Requirements
Extract Mortgage Data Without Templates
Catch Fraud and Errors at Every Level
Ask Ally Questions Like You Would Any Auditor
Prove Compliance with a Verifiable Audit Trail
Get Your Overlays, Built Right Into the Audit with Ally
Built on the Major Regulatory Guidelines
Ally pre-ships ready for Fannie Mae, Freddie Mac, FHA, USDA, VA and lender-specific overlays. For non-agency or private loans, Infrrd builds rules around your guidelines.
150+ Rules, Out of the Box.
Ally comes trained on 150 standard rules; use them as-is, edit them, or hand Infrrd your custom requirements in plain English, and we'll integrate them into your agentic model.
You're in Control After Onboarding
Our own admins add or remove rules without waiting on Infrrd.
Nothing Goes Live Untested. Changes run in a non-production environment first, backtested before going live.
Every Change Needs Your Sign-Off
Overlay and lender-rule changes go live only after you confirm them. Non-agency changes can move fast when needed.
What Ally Catches That the Human Eye Can't
Bank statement & asset review
Reads every line of every bank statement, not a spot check, a full pass- Flags large or unusual deposits against configurable thresholds, checking the sourced-and-seasoned question exhaustively instead of by sampling
- Surfaces recurring withdrawals that look like undisclosed debt, including buy-now-pay-later obligations (Klarna and similar) that never show up on a credit report and that a human scanning for round numbers tends to slide past
- Picks up garnishments, 401(k) loans, and military allotments directly off the pay stub during extraction and surfaces them as findings
Income Calculation and Reasoning
- Runs multi-year, year-over-year income trend analysis, not just a current-period number
- Shows the formula and the source document side by side, so an auditor can see exactly how a figure was reached and click through to verify it, the clearest possible answer to "is this a black box"
- Handles variable income averaging and deduction logic across W-2, 1099, and self-employed borrowers with K-1 or Schedule C income
- Lets an auditor run a what-if: change an input and see how it moves the loan
- Caught a real deduction, unreimbursed meal expenses, that a human auditor had missed on a live file; the customer confirmed it once it was flagged
Credit
- Compares every tradeline on the credit report against every liability declared on the 1003, line by line; the stare-and-compare is done exhaustively instead of by sample
This Is Just the Tip of the Iceberg!
Get a full demo of how Ally works with your documents.
The Tech Behind Infrrd’s Agentic AI for Mortgage
Ally
Borrower Eligibility Checks- Live DTI Calculations
- Dynamic Rule Application
- Custom Rule Configuration
- Pre-Trained Mortgage Intelligence
- Unified Audit Management
- Automated Review
- Credit Review
- Appraisal Review and Bundling
- Unified Audit Management
- Asset Review
MortgageCheckai
- Human-in-the-Loop Review
- LOS / POS Integration
- Auto-Tagging and Bookmarking
- Real-Time Document Visibility
- Smart Document Stacking and Versioning
- High-Accuracy Data Extraction
How to Spot a True Agentic AI?
Download now to choose confidently and avoid costly mistakes!
Recognition
