AngelAi says it can calculate mortgage income in under 5 minutes

By AI, Created 4:10 AM UTC, May 25, 2026, /AGP/ – Sun West Mortgage Company and Celligence say AngelAi can now automatically calculate borrower income from documents in minutes, aiming to speed mortgage underwriting and reduce human bias. The company is pitching the system as a way to help non-traditional earners and shorten closing delays in home lending.

Why it matters: - AngelAi is targeting one of the slowest and most subjective parts of mortgage lending: income verification for underwriting. - The system is designed to help freelancers, self-employed borrowers, gig workers and people with multiple income streams get faster decisions. - Sun West Mortgage Company and Celligence say the technology could reduce delays, lower costs and widen access to home loans.

What happened: - Sun West Mortgage Company and Celligence said AngelAi now performs fully automated income calculations. - The companies said the system can determine a borrower’s income within minutes of receiving documentation. - AngelAi produces income calculations in under seven minutes, and in under five minutes for the most complex borrower profiles. - The announcement was made May 26, 2026, in Guaynabo, Puerto Rico. - The companies also said the breakthrough was recently highlighted on a National Mortgage Professional podcast, “Income Chaos Killing Your Closings? Meet AngelAi’s 5-Minute Fix.” - The podcast can be found here: the podcast episode.

The details: - AngelAi extracts and interprets relevant data points directly from source documents. - The platform is built to handle layered tax structures, multiple schedules and multiple K-1s. - Sun West Mortgage Company and Celligence describe these files as the types that often create “nightmare” loan scenarios. - Pavan Agarwal, CEO of Sun West Mortgage Company, said borrowers without simple W-2 income often face slow, intimidating and error-prone mortgage reviews. - Agarwal said the process is now warranted and run by artificial intelligence, which the company calls Warranted Intelligence. - The company said the effort began with a directive set by Agarwal six years ago to eliminate the most time-intensive and subjective part of underwriting. - Celligence said it invested millions of dollars in engineering, research, development and financial modeling. - The Head of Credit Risk set a requirement that income calculations had to be completed within minutes regardless of document complexity. - Sun West Mortgage Company said AngelAi uses a proprietary Transactional Language Model and an extensive patent portfolio. - The platform is intended to deliver deterministic, explainable AI in mortgage and real estate use cases. - Sun West Mortgage Company said it is one of the nation’s largest privately held mortgage lenders. - Celligence is an affiliate of Sun West and the engineering firm behind AngelAi. - More information is available at AngelAi and Angel Income.

Between the lines: - The release frames automation as both a speed play and an equity play. - The core pitch is that software can standardize income decisions that have traditionally depended on human judgment. - That could appeal to lenders and real estate professionals who want fewer bottlenecks and faster deal conversion. - The use of terms like “Warranted Intelligence” and “AI You Can Bank On” signals a push to brand the system as a trust-based alternative to conventional underwriting.

What’s next: - Sun West Mortgage Company and Celligence are positioning AngelAi as a broader operating layer for lending decisions. - The companies say the technology will continue to support faster, more scalable underwriting across financial services. - AngelAi’s use remains subject to applicable terms and conditions. - The companies expect the system to keep expanding its role in mortgage and real estate workflows.

The bottom line: - AngelAi’s main claim is simple: turn mortgage income checks from a days-long manual process into a minutes-long automated one, without sacrificing accuracy.