TD's agentic AI cuts mortgage pre-adjudication from ~15 hours to under 3 minutes
TD Bank Group · Toronto, ON · Banking · Roles: Operations, Risk & Underwriting
What was done
TD's Layer 6 team built autonomous agents that classify client documents, extract information, calculate income, check figures against policy, run consent checks and flag discrepancies, then write a summary memo for the human underwriter.
Outcome
TD says early results cut the process from an average of 15 hours to under three minutes, with more accurate results. Underwriters still make the decision.
Evidence: Company press release. Figures are as reported by the source and have not been independently audited by AgentsNorth.
Agents & tools used
Prompt Reconstructed by AgentsNorth
The source didn't publish its prompt. This is our reconstruction of a starting prompt for a similar workflow, not the company's actual prompt.
You are preparing a pre-adjudication memo for a human underwriter. From the attached application documents: classify each document, extract income and liabilities, recompute income, check it against the policy thresholds provided, note any missing consent, and list discrepancies. Output a one-page memo. Do not make an approval recommendation.
Source
TD Stories · published 2026-05-21 · link checked 2026-10-15