Encrypted at rest
Built around GLBA
Original files deleted within 24 hours
APLD counseling triggers. Cook County transfer tax. IL 4.95% withholding verification. Deterministic checks tuned to Illinois regulations — so your file is cleaner before it reaches an underwriter.
First 3 files free · $15 per file after that · no subscription · For licensed mortgage professionals
Cook County transfer tax + proration exceeds verified assets.
⏱ 3–7 days · Request additional funds documentationFound in bank statements but not listed on the loan application.
Next step: confirm with the borrower.Pay stub state tax doesn't align with 4.95% flat rate.
⏱ 1–2 days · Verify with additional pay stubs
Forensic Stages
Files Free to Start
Illinois-Built Rules
Original Files Kept by MargieMicrosoft's document reader deletes its copy within 24 hours
Click through Margie with sample borrower files: the six stages, your lenders' rules and the reports. Turn the sound on for the narration. También en español.
National platforms don't know about APLD registration deadlines, Cook County's three-tier transfer tax, or the 110% proration convention.
Your processor manually checks income math, verifies deposits, calculates DTI, and hopes nothing Illinois-specific was missed.
Shadow debt, declining income, undisclosed liabilities — caught at underwriting, not before. That costs time and deals.
10 business days to register. Counseling triggers that brokers track by hand on a spreadsheet.
Every check is tuned to Fannie Mae, FHA, and Illinois-specific requirements. Cook County transfer tax with Chicago CTA surcharge. APLD Group A/B counseling triggers with federal holiday-adjusted deadline tracking. IL 4.95% withholding cross-checks on every income document.
National tools give you national rules. Margie gives you Illinois rules.
See the DemoThree steps. From documents to Illinois-compliant findings.
Margie classifies documents automatically and sorts each one to the right borrower in co-borrower files — and flags anything it can't place, so you confirm instead of guessing.
Income verification, asset forensics, tax return analysis, identity cross-validation, DTI & affordability with Cook County costs, and final readiness with APLD compliance.
Prioritized action items with resolution times, four-dimension integrity scoring, estimated lender conditions, and Illinois-specific flags called out separately. Download the PDF report or export the audit trail.
No significant findings. The underwriter makes the decision.
Seven screens. One platform. Every file tracked from upload to submission.
Active files, pending action items, APLD alerts, and compliance status at a glance.
Complete history of every file reviewed. Readiness scores, version history, and PDF report downloads.
A record of every analysis: each check, when it ran, the rule behind it where one governs it, and a fingerprint of every document reviewed. Deleted along with your data — keep your own records as required.
View exactly what Margie read from each document, organized by borrower. Margie doesn't keep the original files, and Microsoft's document reader deletes its copy within 24 hours.
Each stage checks against Fannie Mae, FHA, and Illinois guidelines.
Qualifying income, IL 4.95% tax compliance, YTD alignment, income trajectory, garnishment detection, SSA benefit gross-up.
Large deposit detection at Fannie/FHA thresholds, NSF frequency, shadow debt identification, funds seasoning, gift letter requirements.
AGI reconciliation, Schedule C add-backs per Form 1084, K-1 liquidity, FHA 20% decline detection, IL 4.95% withholding reconciliation.
Three-tier name matching, address verification, employer cross-check, income consistency across all documents. Co-borrower sorting.
Individual + combined DTI, student loan three-path logic, cash-to-close with Cook County transfer tax and 110% property tax proration.
Integrity scoring, action items with resolution times, APLD counseling triggers, executive narrative, PDF report generation.
APLD compliance for Cook, Kane, Peoria, and Will counties. Transfer tax and proration calculations for Cook County and Chicago. Not adapted from a national template.
Every W-2 and pay stub cross-checked against the IL flat rate. Schedule M divergence explanations when federal AGI differs from IL taxable income.
Group A and B counseling triggers checked against 765 ILCS 77, with program-area gating and the 10-business-day deadline with holiday adjustment. Margie shows its working and cites the statute; IDFPR makes the determination.
Three-tier calculation: state ($0.50/500), county ($0.25/500), Chicago ($3.75 buyer + $1.50 CTA seller). Recording fees at $107/document included for Cook County (Clerk schedule, verified 2026-08-30).
Cook County customary proration convention with reassessment-year volatility warnings and Homeowner Exemption mismatch detection.
Down payment, closing costs, escrow reserves, transfer tax buyer share, recording fees, and seller proration credit with Illinois-specific calculations.
Every check timestamped and logged with the rule that triggered it — including checks that couldn't run. Export PDF reports for your records.
How Margie handles nonpublic personal information.
Margie runs on Microsoft Azure, with sign-in through Microsoft Entra. Access is invite-only, and repeated password guessing is blocked.
Analysis results are encrypted at rest with AES-256-GCM, and data travels over encrypted connections.
Full Social Security numbers are never saved. Margie doesn't keep original documents, and Microsoft's document reader deletes its copy within 24 hours.
Borrower data is never used to train AI, and everything is deleted when you delete your account.
Every request is checked against the brokerage that's signed in.
Designed around the Gramm-Leach-Bliley Act and the FTC Safeguards Rule. See our GLBA page for details.
Findings come from rule-based checks. Where an agency guideline governs a check, Margie cites it; where none does, the finding is labelled — an Illinois requirement, a document-integrity check, or Margie’s own judgement — so it is never mistaken for an agency rule. Where AI is used — to read some documents and to write the plain-English summary — its output is checked, and it never makes the decision. Margie never approves, denies or prices a loan.
Loans in the APLD program area have a registration deadline, and some borrowers require counseling. Margie checks the counseling triggers and flags the deadline.
Every 15-day extension costs 0.125–0.375% of the loan amount. On a $400K loan, that's real money — because an issue wasn't caught before submission.
The borrower gets frustrated. Goes to the lender down the street. That commission isn't reduced — it's gone.
When a defect turns up after closing, the lender can be forced to buy the loan back — an average of $32,288 per loan (Reggora & STRATMOR study, via National Mortgage News). Income problems are among the leading causes.
Every file. Every time. Deterministic checks against Fannie Mae, FHA, and Illinois-specific rules. APLD counseling-trigger detection. Cook County transfer tax and proration built in. Undisclosed liability scanning.
The question isn't what Margie costs. It's what it costs when your file hits the underwriter's desk with something you should have caught.
No seat licenses. No annual contract. You pay $15 for each file you run, plus applicable sales tax — and your first three files are on us.
Try Margie FreeDeterministic checks. Illinois-built rules. Encrypted results. Original files deleted within 24 hours. Try it on your next file.
First 3 files free · $15 per file after that · no subscription · For licensed mortgage professionals originating in Illinois
Click through Margie with sample Illinois borrower files. When you're done, request pilot access right from the tour.
First 3 files free when you onboard · $15 per file after that · no subscription.