# How American Federal Mortgage uses Ocrolus

**90%**: “Complex self-employed income reviews cut 90% — from ~1 hour to 5–10 minutes”

As published on [ocrolus.com](https://www.ocrolus.com/customer-stories/american-federal-mortgage-user-customer-story/), 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: Processing, Underwriting, Operations

## What the story says

American Federal uses Ocrolus across the loan file lifecycle to automatically classify documents, calculate income for self-employed borrowers, detect discrepancies with Inspect, and manage conditions. This lets processors and underwriters spend less time on manual sorting and review.

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

> Income analysis was the breakthrough for underwriting. Rather than reading a year or two of statements line by line, underwriters now get a calculated income figure from Ocrolus in minutes.

- **67%**: “Document prep cut 67% — from 15 minutes to about 5 — through automated classification at intake”
- **50%**: “Initial processor review on a typical file reduced by up to 50% with Inspect”
- **9 hours**: “Underwriters clear higher file volumes in about 9 hours instead of 12”

> 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 90% 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 · How we check: https://www.usedby.ai/methodology