**YouTube** is an American [online video-sharing](https://en.wikipedia.org/wiki/Video_hosting_service "Video hosting service") [platform](https://en.wikipedia.org/wiki/Web_platform "Web platform") headquartered in [San Bruno, California](https://en.wikipedia.org/wiki/San_Bruno,_California "San Bruno, California")

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This accelerator assists in automation of process steps within the home mortgage application processing cycle. The automation journey begins with customer application submission through online banking channel. The customer provides personal details, mortgage requirements and uploads identity and income verification document. After the application is submitted, it is sent to a queue in the UiPath Orchestrator. The Orchestrator distributes the workload and case is passed on to a Robot for initiating the application processing.

The first step performed by UiPath Robot is performing KYC for the customer. The robot performs KYC operation using the India KYC activity pack. As part of the KYC process, it extracts information from Indian identity documents and submits for verification as per regulatory requirement. Post KYC process, the accelerator will perform income and credit verification to determine the eligibility of loan applicant for the home loan. For this, the Robot extracts information from the monthly salary slip submitted by the client. It then gets the credit score of the applicant by extracting information from the credit report. It determines the amount of loan which can be sanctioned to the applicant basis the income and credit analysis. The Robot passes the loan limit range through online channel to the customer for real time agreement. After confirmation from the customer, the UiPath Robot prepares the Loan Agreement basis the information processed and sends the final agreement to the customer through email for getting signatures.

To customize this solution for specific regional requirements, this solution has been subdivided into two parts. The first part where KYC activity is being used is specific to the country regulatory requirements and can be replaced by country specific KYC packs. The 2nd part of the process is standard loan processing and is available to be used agnostic of regions. This accelerator can be used by BFS institutions providing home mortgage solution by customizing to there specific requirements.

Developed By: [Shivam Agarwal](https://connect.uipath.com/profile/shivam-agarwal), [Nitin Purwar](https://connect.uipath.com/profile/nitin-purwar)

Home Mortgage Processing Accelerator will Automate steps in Loan Application Processing for a retail salaried prospect

UiPath Home Mortgage Accelerator for Banking