Platform

The Maestro origination engine, under the hood

Document ingestion through structured pre-underwriting output. Every stage designed for loan officer and underwriter workflow.

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Document ingestion

Every document type in the origination stack

Maestro accepts the full range of mortgage application documents without requiring pre-processing or reformatting from your team.

  • URLA 1003 with automated MISMO-aligned field parsing
  • W-2 forms across all three major layout variants
  • 1099 forms (1099-NEC, 1099-MISC, 1099-R)
  • Pay stubs from standard payroll processors
  • Federal tax returns (1040, Schedule C, Schedule E)
  • Bank statements: 3-month and 12-month review windows
  • Gift letter templates

Upload via drag-drop UI, batch API, or webhook integration. Documents accepted as scanned PDFs or digital exports.

Accepted document types

URLA 1003 (Uniform Residential Loan Application)
W-2 and 1099 tax forms
Pay stubs and employment letters
1040 federal tax returns + Schedules
Bank statements (3-month or 12-month)

Extraction engine

Every field that feeds the underwriting decision

Maestro extracts and normalizes the full set of fields required for pre-underwriting review. Multi-source reconciliation for income data (W-2 + paystub + tax return).

  • Gross monthly income with multi-source reconciliation
  • DTI: front-end and back-end ratios
  • LTV and CLTV calculations
  • Employment type (W-2, self-employed, 1099, gig) and tenure
  • Asset reserves across all stated accounts
  • Property type, occupancy status, loan purpose
  • Large deposit identification and flagging

Confidence score per field. Low-confidence fields flagged for human review, with the source document section cited.

Sample extraction output

Gross Income $9,200/mo High
DTI (back-end) 41% Review
Employment tenure 2y 4m High
Asset reserves $24,800 High
Large deposit $14,500 Verify

Pre-underwriting report

Structured pass, flag, and review classification per field

The report is formatted for loan officer and underwriter review. All flags cite the source document and section. Not a credit decision.

Pre-Underwriting Report For lender review only
Field Extracted Value Source Document Status
Gross Monthly Income $9,200 W-2 + paystub Pass
DTI Ratio (back-end) 41% 1003 form Flag
Employment Tenure 2 years, 4 months Paystub Pass
LTV Ratio 78% 1003 form Pass
Asset Reserves $24,800 Bank statement Pass
Large Deposit ($14,500) Month 2 statement Bank statement Review needed
Bank Statement Coverage Months 1-2 present, month 3 missing Bank statement Flag
1003 Completeness All sections populated URLA 1003 Pass

This report is for lender review only. Maestro does not make credit decisions. Final underwriting authority rests with your licensed underwriter.

Workflow

How your team uses the report

Loan Officer view

Upload borrower documents at file intake
Receive the Maestro pre-UW report alongside the uploaded documents
Review flags with the extracted source text cited, so you know exactly where each flag came from
Request any missing documents from the borrower with a specific, complete list
Pass the structured file to underwriting, ready for review

Underwriter view

Receive a file that arrives structured, not raw: key fields pre-extracted and organized
Review focuses on flagged items only: items that passed extraction require less manual verification
Each flag cites the source document section, so you go directly to the relevant page
You make the credit decision. Maestro does not make it for you.

API and integration

Connect Maestro to your workflow

REST API with webhook callbacks. Integrate with your existing loan origination system or run Maestro as a standalone tool.

API authentication via API key. Response schema returns per-document extraction objects plus an aggregated report object. Rate limits and volume tiers match your pricing plan.

  • REST API with JSON request and response
  • Webhook callback on extraction completion
  • Batch submission support for high-volume pipelines
  • Per-document extraction objects plus aggregated report
  • LOS integration connectors available for enterprise plans
  • Contact for custom integration support
"report": {
  "loan_id": "LN-2025-0847",
  "status": "ready_for_review",
  "fields": {
    "dti_back_end": {
      "value": 0.41,
      "confidence": 0.87,
      "status": "flag",
      "source": "1003_page2"
    },
    "gross_monthly_income": {
      "value": 9200,
      "confidence": 0.96,
      "status": "pass",
      "sources": ["w2", "paystub"]
    }
  },
  "flags_count": 2,
  "missing_docs": ["bank_statement_month3"]
}

Get started

Talk to the team about your origination volume

We work directly with pilot lenders to configure Maestro for their document types and workflow.

Request early access View pricing