Automated Mortgage Payment History Review

Manual payment history review is slow, expensive, and error-prone. AiCR delivers structured results in minutes.

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Manual Payment History Review Costs More Than It Should

Every servicer formats payment history differently, PDF, text file, or Excel export, and none of them match. Someone has to manually reconcile each transaction and build a usable record by hand, at $50 to $60 per loan from third-party providers.

What AiCR Extracts from Payment Histories

Every payment, reversal, suspense entry, and escrow transaction is captured and normalized into a consistent structure across all servicer formats.

Complete transaction history for the life of the loan

Delinquency pay strings showing payment status by month.

Side by side comparision against servicer provided histories

Multi-servicer transfer chains processed as a single record

Cash flow cycle data

Exportable results in Excel and structured formats

Bring us the mess. We’ll organize the rest.

Built for the volume servicers actually send.

Minutes per loan

  • Of records process completely with no manual intervention required

High straight-through rate

  • Most results need zero manual review.

Built-in validation

  • Compares against servicer-provided data.

Lower cost per loan

  • A fraction of third-party providers.