# How American Federal Mortgage uses Ocrolus

**29%**: “29% reduction in overall underwriting time”

As published on [ocrolus.com](https://www.ocrolus.com/customer-stories/american-federal-mortgage-surfaces-insights-streamlines-conditions-ocrolus-inspect/), June 2026. Captured by usedby on 2026-10-07.

- Company: [American Federal Mortgage](https://www.usedby.ai/companies/american-federal-mortgage.md)
- Tool: [Ocrolus](https://www.usedby.ai/tools/ocrolus.md)
- Teams: Processors, Underwriters

## What the story says

A mortgage banker uses Ocrolus to classify and index loan documents, analyze income, and surface discrepancies in borrower files early. It also auto-generates guideline-backed conditions that sync to Encompass, so borrowers receive one upfront request.

Summary written by usedby from the source page, in English. The figures are those of Ocrolus and American Federal Mortgage, not ours.

> Insights analyzes borrower documents against the 1003 and flags discrepancies before an underwriter touches the file. Automated conditions go further, generating each condition from documents, the 1003, AUS findings and GSE guidelines, with borrower-specific descriptions, Selling Guide citations and direct Encompass sync.

- **2 hours**: “2 hours saved per file and 6% fewer file touches per loan”

> Ocrolus just does that for me — it scans it all and gives me an income figure,
>
> Gail Stibitz, Senior Vice President of Underwriting

## What usedby checked

We compared the story with its live page on 2026-10-07.

- Checked: the figure 29% is printed word for word on the page, near the name of American Federal Mortgage.
- Checked: the passage quoted above is copied word for word from the page, near the name of American Federal Mortgage.
- Checked: the publication date is read from the page’s own metadata, never guessed.
- Checked: American Federal Mortgage uses Ocrolus. Confirmed line. Latest check across sources: 2026-10-07.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/american-federal-mortgage-corporation-ocrolus-2 · How we check: https://www.usedby.ai/methodology