Mortgage loan processors spend a surprising amount of time on what should be mechanical work: pulling numbers out of documents and checking that they match. According to industry estimates, manual document handling consumes 40-60% of a loan processor's time. The average mortgage file is 500+ pages across dozens of document types — tax returns, pay stubs, bank statements, W-2s, the 1003 application, appraisals, title docs, and more. The core challenge is income consistency.