The Illinois Standard

Pre-underwriting
built for Illinois.

APLD compliance. Cook County transfer tax. IL 4.95% withholding verification. 66 forensic checks tuned to Illinois regulations — so your file is clean before it reaches an underwriter.

No credit card required · First 3 analyses free · For licensed mortgage professionals

app.getmargie.com/analysis
⚠ Needs Attention
78
Integrity Score
Estimated Lender Conditions: 2–3
Without correction, expect 2–3 underwriting conditions.
!
Cash-to-close shortfall ($4,200)
Cook County transfer tax + proration exceeds verified assets.
⏱ 3–7 days · Request additional funds documentation
Possible undisclosed debt — Chase Visa $500/mo
Recurring payment not on credit report.
⏱ 2–3 days · Verify against credit report
IL withholding variance (0.8%)
Pay stub state tax doesn’t align with 4.95% flat rate.
⏱ 1–2 days · Verify with additional pay stubs
✓ 6 stages · 66 checks · 62 passed · 3 flagged · 1 IL-specific
Cook County
110%
tax proration built in
APLD
Auto
counseling triggers checked
🔒
AES-256 encryption at rest
Zero documents stored
GLBA & Safeguards Rule
📋
Append-only audit trail
6.
Forensic Stages
66+
Deterministic Checks
17
IL Compliance Features
Zero
Documents Stored
The Problem

National tools miss
what Illinois requires.

Margie knows
Illinois.

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.

Try It Free
The Workflow

Upload. Analyze.
Fix before you submit.

Three steps. From documents to Illinois-compliant findings.

Step 01 — Upload & Sort
Drop in the loan package.
Margie classifies all 11 document types automatically and assigns each to the correct borrower in co-borrower files.
W-2Pay StubBank Stmt104010991003Gov IDSSA-10991098Schedule CK-1
📄
Smith_W2_2024.pdf
W-2
Borrower A
📄
Chase_Stmts.pdf
Bank Statement
Borrower A
📄
PayStub_Mar.pdf
Pay Stub
Borrower A
📄
Smith_1040.pdf
1040 Return
Borrower A
📄
Smith_J_W2.pdf
W-2
Borrower B
📄
1003_App.pdf
Loan Application
Joint
Step 02 — Forensic Analysis
Six stages. Illinois rules included.
Income verification, asset forensics, tax return analysis, identity cross-validation, DTI & affordability with Cook County costs, and final readiness with APLD compliance.
Stage 1: Income Verification
12 checks
Complete
Stage 2: Asset Forensics
11 checks
Complete
Stage 3: Tax Return Analysis
10 checks
Complete
Stage 4: Identity & Cross-Validation
14 checks
Running...
5
Stage 5: DTI & Affordability
12 checks
Pending
6
Stage 6: Final Readiness
7 checks
Pending
Step 03 — Findings & Actions
Know exactly what to fix.
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.
✓ Underwriter Ready
91
Score
✓ No significant conditions expected
File appears submission-ready. APLD registration on track.
PDF Full forensic report ready to download
LOG Audit trail exported with all 66 checks
IL APLD status: registered · counseling not required
✓ 6 stages · 66 checks · 65 passed · 1 informational · 0 flagged
Beyond Analysis

Everything else
a broker needs.

Seven screens. One platform. Every file tracked from upload to submission.

Dashboard

Active files, pending action items, APLD alerts, and compliance status at a glance.

Sessions

Complete history of every file reviewed. Readiness scores, version history, and PDF report downloads.

Audit Log

Append-only compliance trail. Every check timestamped, every flag logged with the rule that triggered it.

Extracted Data

View exactly what Margie read from each document, organized by borrower. Original files never stored.

Under the Hood

Six forensic stages.
One clean file.

Each stage checks against Fannie Mae, FHA, and Illinois guidelines.

Stage 01

Income Verification

Qualifying income, IL 4.95% tax compliance, YTD alignment, income trajectory, garnishment detection, SSA benefit gross-up.

W-2Pay Stub1099SSA-1099
Stage 02

Asset Forensics

Large deposit detection at Fannie/FHA thresholds, NSF frequency, shadow debt identification, funds seasoning, gift letter requirements.

Bank Stmts
Stage 03

Tax Return Analysis

AGI reconciliation, Schedule C add-backs per Form 1084, K-1 liquidity, FHA 20% decline detection, IL state return cross-check.

1040Sched CK-1
Stage 04

Identity & Cross-Validation

Three-tier name matching, address verification, employer cross-check, income consistency across all documents. Co-borrower sorting.

Gov IDAll Docs
Stage 05

DTI & Affordability

Individual + combined DTI, student loan three-path logic, cash-to-close with Cook County transfer tax and 110% property tax proration.

10981003All Docs
Stage 06

Final Readiness

Integrity scoring, action items with resolution times, APLD counseling triggers, executive narrative, PDF report generation.

Full File
Illinois Compliance

National platforms can’t do this.
Margie can.

🏛

17 Illinois-specific compliance features

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.

Illinois 4.95% Flat Tax

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.

APLD Full Compliance

Group A/B counseling triggers, 10-business-day registration deadline with federal holiday adjustment, geographic gating to APLD counties only. $25K penalty prevention.

Cook County Transfer Tax

Three-tier calculation: state ($0.50/500), county ($0.25/500), Chicago ($3.75 buyer + $1.50 CTA seller). Recording fees at $106/document included.

110% Tax Proration

Cook County customary proration convention with reassessment-year volatility warnings and Homeowner Exemption mismatch detection.

Cash-to-Close with IL Costs

Down payment, closing costs, escrow reserves, transfer tax buyer share, recording fees, and seller proration credit with Illinois-specific calculations.

Append-Only Audit Trail

Every check timestamped and logged with the rule that triggered it. Role-based access. Export PDF audit reports for compliance documentation.

Security

Your borrowers’ data.
Protected by design.

17 security features protecting nonpublic personal information.

In-Memory Processing

Documents exist only in volatile memory during analysis. No copies of original files are ever retained on our servers.

AES-256-GCM Encryption

All analysis results encrypted at rest with authenticated encryption. Data in transit protected by TLS 1.2+.

GLBA Compliant

Full Gramm-Leach-Bliley Act and FTC Safeguards Rule compliance with written information security program.

Rate Limiting & App Check

API rate limiting, Firebase App Check verification, and brute-force prevention on all authentication endpoints.

Multi-Tenant Isolation

Each brokerage’s data logically isolated with RBAC, JWT custom claims, and Firestore security rules.

Session & Device Limits

One active session per user. Maximum 2 registered devices. Unauthorized sessions automatically terminated.

The Real Cost

What does it cost when
you miss something?

$25,000
per offense
Missed APLD deadline
10 business days to register. Miss it in Cook, Kane, Peoria, or Will County and IDFPR can fine your brokerage up to $25K — plus license revocation.
✓ Margie tracks APLD deadlines with federal holiday adjustment
$500–$1,500
per extension
Lock extension on a conditioned file
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.
✓ Margie estimates lender conditions before you submit
$5K–$8K
lost revenue
Borrower walks after third round of conditions
The borrower gets frustrated. Goes to the lender down the street. That commission isn’t reduced — it’s gone.
✓ Margie flags every issue with resolution times so you fix it once
$50K+
buyback demand
Post-closing compliance defect
Investor finds a compliance gap after closing and demands a repurchase. The brokerage eats it. No insurance covers this.
✓ Margie generates an append-only audit trail documenting every check

Margie checks for
all of it.

Every file. Every time. 66 deterministic checks against Fannie Mae, FHA, and Illinois-specific rules. APLD compliance with automatic 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.

Start Free — 3 Files on Us

No credit card required · First 3 analyses free

The Illinois standard
for pre-underwriting.

66 forensic checks. 17 Illinois compliance features. Encrypted results. Zero documents stored. Try it on your next file.

Start Free — 3 Files on Us Request a Demo

No credit card required · For licensed mortgage professionals originating in Illinois

Want a walkthrough?

See Margie run a real Illinois borrower file. We’ll schedule a 30-minute call.

Or start analyzing files now — first 3 free, no demo required.