MoneyMatcher Mission

The Crella Engine's deployment for MoneyMatcher — AI-powered loan processing for real estate investors.

Mission Overview

Attribute	Value
Client	MoneyMatcher
Mission ID	mm-pipeline
Status	Active
Started	2025-06-01
Total Tasks	4,500+

Objective

Automate the loan intake, document processing, and underwriting support for DSCR (Debt Service Coverage Ratio) loans, enabling faster approvals and reduced operational costs.

Deployed Agents

flowchart TB
    subgraph intake [Intake]
        Alpha[Alpha - Loan Validation]
        Bravo[Bravo - Loan Triage]
    end
    
    subgraph process [Processing]
        Charlie[Charlie - Document OCR]
        Delta[Delta - DSCR Underwriting]
        Echo[Echo - Property Data]
    end
    
    subgraph support [Support]
        Juliet[Juliet - Pipeline Reports]
        Lima[Lima - Orchestrator]
    end
    
    Alpha --> Bravo
    Bravo --> Charlie
    Charlie --> Delta
    Delta --> Echo
    Echo --> Lima
    Juliet --> Lima

Agent Assignments

Agent	Role in Mission	Tasks Processed
Alpha	Validates loan applications	1,247
Bravo	Routes to appropriate pipeline	1,180
Charlie	Extracts data from paystubs, tax returns	892
Delta	DSCR calculations, guideline matching	756
Echo	Property valuations, market data	634
Juliet	Daily pipeline reports	89
Lima	Workflow orchestration	4,521

Workflow

1. Loan Application Intake

sequenceDiagram
    participant Borrower
    participant Alpha
    participant Bravo
    
    Borrower->>Alpha: Submit Loan Application
    Alpha->>Alpha: Validate Fields
    Alpha->>Alpha: Normalize Data
    Alpha->>Bravo: Validated Application
    Bravo->>Bravo: Score Priority
    Bravo->>Bravo: Select Pipeline

Alpha validates:

• Borrower information (name, SSN, contact)
• Property details (address, type, value)
• Loan terms (amount, rate, term)

2. Document Processing

sequenceDiagram
    participant Charlie
    participant Delta
    
    Charlie->>Charlie: OCR Documents
    Charlie->>Charlie: Extract Data
    Charlie->>Delta: Structured Data
    Delta->>Delta: Calculate DSCR
    Delta->>Delta: Match Guidelines
    Delta->>Delta: Render Decision

Charlie extracts from:

• Paystubs → Employer, gross pay, YTD
• Tax Returns (1040) → AGI, taxable income
• Bank Statements → Balances, transactions
• Rent Rolls → Monthly income, occupancy

3. Underwriting Support

Delta performs:

• DSCR calculation: (Monthly Rent - Expenses) / Monthly PITIA
• LTV calculation: Loan Amount / Property Value
• Guideline matching against lender criteria
• Condition setting for approvals

4. Property Research

Echo enriches with:

• Comparable property values
• Market rent estimates
• Neighborhood data
• Historical appreciation

Performance Metrics

4,521

Loans Processed

96.2%

Automation Rate

2.5 hrs

Avg Processing Time

$45.21

Total Cost

Cost Breakdown

Agent	Tasks	Cost/Task	Total Cost
Alpha	1,247	$0.002	$2.49
Bravo	1,180	$0.003	$3.54
Charlie	892	$0.010	$8.92
Delta	756	$0.020	$15.12
Echo	634	$0.015	$9.51
Juliet	89	$0.010	$0.89
Lima	4,521	$0.001	$4.52
Total			$45.21

Integration Points

API Endpoints

• POST /api/loans/submit — New loan submission
• GET /api/loans/{id}/status — Check processing status
• GET /api/loans/{id}/documents — Get extracted data
• POST /api/loans/{id}/decision — Override/confirm decision

Webhooks

• loan.validated — Alpha completed validation
• loan.documents.extracted — Charlie completed OCR
• loan.decision.made — Delta rendered decision
• loan.completed — Full pipeline complete

Success Stories

Case Study: Portfolio Investor

• Challenge: 50 loans/month, 3-day processing time
• Solution: Crella Engine automation
• Result: Same-day processing, 90% cost reduction

Case Study: Hard Money Lender

• Challenge: Manual document review bottleneck
• Solution: Charlie OCR + Delta underwriting
• Result: 4x throughput increase

Future Enhancements

• Real-time property valuation integration
• Automated appraisal ordering
• Lender matching optimization
• Predictive approval scoring