AI-Powered Document Validation
AI-Powered Document Validation Maxwell uses AI within the Point of Sale to automatically scan and review uploaded documents to reduce operational workload and improve loan quality.
AI-Powered Document Validation
Maxwell uses AI within the Point of Sale to automatically scan and review uploaded documents. These checks help identify issues that could slow down processing, reducing frustration for borrowers, lowering operational workload, and improving overall loan quality.
AI validation reviews documents for:
Legibility: Whether the document is too blurry to read
Access: Whether the document is password protected
Classification: Whether the document type matches the task request
Completeness: Whether all required pages are included
Splitting: Whether the document should be separated by type or time period
How AI Validation works
After a borrower uploads a document, Maxwell’s Document AI scans it against the checks listed above and identifies any issues that need attention.
This feature helps catch situations where a borrower uploads a blurry image, which often occurs when documents are photographed with a phone. When a blurry image is detected, the user will receive the following message:
Users always have the option to “Keep this document,” which overrides the validation. A key principle of our AI strategy is to guide users toward higher-quality documents without ever blocking them from progressing their loan.
Another validation check included in this release identifies password-protected files. When a password-protected document is detected, the user will receive the following message:
When a document passes validation, we will display a success message:
AI Document Classification
We can automatically validate the documents provided by borrowers match the expected document type for a specific task. The desired document type can be defined either in advance for custom task templates, or at the time of task creation.
Selecting the Document Type
When the document type is pre-defined in the Custom Task Template, Users will not be able to edit the type when creating a new task:
When the document type is not pre-defined, Users can select a desired document type from the dropdown list:
Borrower Experience
When a borrower uploads a document to a task, we will confirm the uploaded document matches the desired document type.
If the borrower uploads the wrong kind of document, we will immediately prompt the borrower, allowing them to either keep the uploaded document or replace it with a new document:
Document Classification Supported Document Types
1040
U.S. Individual Income Tax Return
February, 2026
1040-NR
U.S. Nonresident Alien Income Tax Return
February, 2026
1040-SR
U.S. Income Tax Return for Seniors
February, 2026
1040 Schedule C
Profit or Loss From Business
February, 2026
1065
U.S. Return of Partnership Income
February, 2026
1099-B
Proceeds from Broker and Barter Exchange Transactions
February, 2026
1099-C
Cancellation of Debt
February, 2026
1099-DIV
Dividends and Distributions
February, 2026
1099-G
Certain Government Payments
February, 2026
1099-INT
Interest Income
February, 2026
1099-K
Payment Card and Third Party Network Transactions
February, 2026
1099-LTC
Long-Term Care and Accelerated Death Benefits
February, 2026
1099-MISC
Miscellaneous Information
February, 2026
1099-NEC
Non-Employee Compensation
February, 2026
1099-Q
Payments from Qualified Education Programs
February, 2026
1099-R
Distributions from Pensions, Retirement Plans, etc.
February, 2026
1099-S
Proceeds from Real Estate Transactions
February, 2026
SSA-1099
Social Security Benefit Statement
February, 2026
1120
U.S. Corporation Income Tax Return
February, 2026
1120-F
U.S. Income Tax Return of a Foreign Corporation
February, 2026
1120-S
U.S. Income Tax Return for an S Corporation
February, 2026
Bank Statement
January, 2026
Business Balance Sheet
A financial statement showing a business’s assets, liabilities, and equity at a specific point in time. It reflects the overall financial
February, 2026
Business Profit and Loss Statement
A financial report summarizing a business’s income, expenses, and net profit or loss over a defined period. Often labeled as an
February, 2026
Court-Ordered Decree
A legal court order directs specific actions such as spousal support (alimony) payments or establishing child support obligations.
February, 2026
Disability Income (Employer or Private)
Documentation showing income paid due to disability through an employer-sponsored or private insurance policy. Typically
February, 2026
Identification
Borrower identification including driver's license, social security card, passport, and permanent residency card
January, 2026
Social Security Administration Benefit Verification Letter
An official SSA letter confirming receipt of Social Security benefits such as disability or retirement.
February, 2026
Homeowners Association Statement
A statement detailing HOA dues, assessments, and payment history for a property. Issued by a homeowners association or property
February, 2026
Homeowner or Hazard Insurance Policy
An insurance policy document outlining coverage for a residential property against damage or loss. Includes policy number,
February, 2026
Paystub
January, 2026
Pension Award Letter
An official letter confirming eligibility for and receipt of pension benefits. Specifies benefit amounts and payment terms.
February, 2026
Property Tax Bill
A billing statement issued by a local government showing property tax amounts due. Includes property identification and payment deadlines.
February, 2026
Mortgage Statement
A periodic statement from a mortgage lender showing loan balance, payment amount, and transaction history. Identifies the borrower, property,
February, 2026
Residential Lease Agreement
A legal contract outlining the terms and conditions for renting a residential property. Includes tenant names, rental amount, and lease
February, 2026
Brokerage or Retirement Account Statement
A financial statement summarizing holdings, balances, and transactions in an investment or retirement account. Issued
February, 2026
VA Award Letter
A formal VA letter explaining the outcome of a benefits claim. Includes approval or denial details, effective dates, and diability compensation
February, 2026
VA Certificate of Eligibility
A VA-issued document confirming a veteran’s eligibility for VA home loan benefits. Includes entitlement information and service
February, 2026
VA Form DD214
An official military discharge document summarizing a service member’s military service. Includes service dates, discharge status, and character of service.
February, 2026
W-2
January, 2026
AI Document Completness
When documents are uploaded, we confirm that the document is contains all of the required pages. If we recognize that a page is missing, we will prompt the borrower:
This is a common issue for "intentionally blank" pages, which borrowers will omit. We're removing the need for Processors and Underwriters to reach back out to the borrower for the full document.
AI Architecture and Security
Maxwell’s AI capabilities in the Point of Sale are built with a security-first approach. All AI processing occurs entirely within Maxwell’s secure cloud infrastructure, ensuring that no borrower or customer data ever leaves the platform. Maxwell does not share or distribute data externally for training or model development.
What’s Coming Next?
Our near-term AI roadmap focuses on two major areas: Document Validation and Automated Task Creation.
Document Validation: Targeting Q4 2025
Document Classification Checks ( ☑️ currently in progress)
Targeting Q1 2026
Multi-Document Checks and Automated Splitting ( ☑️ currently in progress)
Document Completeness Checks ( ☑️ currently in progress)
Task Completeness Checks (Multiple Documents)
LOS Document Classification
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