> For the complete documentation index, see [llms.txt](https://docs.himaxwell.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.himaxwell.com/platform-overview/lender-hub/borrower-tasks/ai-powered-document-validation.md). # AI-Powered Document Validation ## 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.

Document Validation

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:

Blurry or Illegible Document Warning

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:

Password Protected Document Warning

When a document passes validation, we will display a success message:

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 | Document Type | Description | Release Added | | ---------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------- | | 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
(Document Category)

|

Supports All 1099 document types:

| March, 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 | | Brokerage or Retirement Account Statement | A financial statement summarizing holdings, balances, and transactions in an investment or retirement account. Issued | February, 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 | |

Business Tax Return
(Document Category)

|

Supports any of the following business tax return document types:

| | | 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 | | Mortgage Statement | A periodic statement from a mortgage lender showing loan balance, payment amount, and transaction history. Identifies the borrower, property, | 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 | |

Personal Tax Return
(Document Category)

|

Supports any of the following personal tax return forms:

| March, 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 | | 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 | |

Tax Return
(Document Category)

|

Accepts any of the following tax return document types:

| | | 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