Case Studies | PropTech

Turning mortgage paperwork into an autonomous workflow

Agentic Mortgage Document Processing on Amazon Bedrock

About

A PropTech business working with Cloud Combinator on AWS. The client is anonymised at their request.

Challenge

The challenge had four focus areas.

Scaling accuracy and throughput

With document volume doubling, the existing hard-coded flow could not keep pace. The client needed a system that could sustain a peak of 1,000 documents per hour and roughly 18,000 documents a month without a matching rise in manual review or cost.

Removing repetitive broker work

Brokers were manually spotting missing items, deciding what needed chasing and drafting follow-up emails. That work is high volume and low variety, exactly the kind of task an agent can take on, freeing brokers for judgement-led work.

Trust, safety and auditability

In a regulated lending context every automated decision must be explainable. The solution had to keep a complete execution trace of every prompt, tool call and result, apply guardrails against hallucination, and hand risky or low-confidence cases back to a human.

Reducing model lock-in

The client's document analysis and text extraction ran on Azure OpenAI. Consolidating onto Amazon Bedrock alongside the rest of the AWS-native stack would simplify operations, tighten data control and give the client a single place to govern models and cost.

Solution

Cloud Combinator structured the work as three connected stages so that each decision was validated before the next stage committed to it.

1,000

Documents per hour sustained at peak (load-tested)

18,000

Documents per month in scope

90 days

Full decision trace retained per request

By the numbers:

  • 1,000 - Documents per hour sustained at peak (load-tested)
  • 18,000 - Documents per month in scope
  • 90 days - Full decision trace retained per request
Changes

The engagement delivered against its agreed success criteria: an agentic pipeline that autonomously classifies documents, validates completeness, prefills structured data and drafts follow-up emails, with a human-in-the-loop path for the cases that warrant it, all deployed as infrastructure-as-code in the client's AWS account.

  • Autonomous orchestrationThe Bedrock Agent decides the next action from the extracted data and rule outcomes, invoking additional reasoning only when deterministic checks flag ambiguity.
  • Less manual follow-upThe agent drafts client-ready emails naming the specific missing items, and returns a structured JSON result that the client's downstream services can consume directly.
  • Governed by designBedrock Guardrails, IAM least-privilege and a complete per-request trace give the client an auditable, explainable pipeline suited to a regulated lending workflow.
  • One model platformMigrating document analysis from Azure OpenAI to Bedrock consolidated the client onto a single AWS-native stack for models, data and cost governance.
  • HandoverThe client received the infrastructure-as-code repository, prompt templates, an operational runbook, Loom walk-throughs and a knowledge-transfer workshop.

With the agentic workflow live and load-tested, the client is no longer constrained by manual document handling and is positioned to add new verification rules and document types through configuration as its volumes and product continue to grow.

AWS Stack

Amazon Textract

For extracting text and structure from document images.

AWS Lambda

For the deterministic verification rules and lightweight micro-services.

Amazon DynamoDB

For the shadow tables that mirror the client's production schema.

Amazon S3

For secure document intake that triggers the workflow.

Amazon EventBridge

And AWS Step Functions for event-driven orchestration between components.

Amazon CloudWatch

For throughput, error-rate and cost-per-document dashboards.

AWS CloudFormation

And CDK for the entire stack delivered as infrastructure-as-code.

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