DeltaPoint maps your real-time credit data against a universal Market Rate adapter, calculates your exact Interest Delta, and provides an agentic roadmap to unlock lower APRs across any lender.
Underwriter Agent
Risk Grade: B+
Welcome back
Sarah K.
Coach Agent Alert
Chase util spike: 71% → Pay $1,600 now
Expected: +21 pts in 30 days
Market Rate Adapter
Prime + 6.5% spread
Fed rate: 5.25%
Live
GraphRAG sync
Delta: $1,250
12.5% → 9.9% APR
Grade upgraded
Underwriter Agent ✓
Move the slider to see exactly how each credit score improvement translates to monthly payment reduction using the standard amortization formula.
| Score Range | Grade | APR | Monthly ($25k/60mo) | Total Interest | Delta vs. Poor |
|---|
A deterministic LangGraph node that ingests real-time credit inputs, applies pluggable market rate cards, and outputs a risk grade with a precise interest tier — no hallucinations, no guesswork.
Deterministic risk grading (A+ → D)
Grade computed from DTI, utilization, payment history, inquiries, and credit age using fixed formula weights.
Pluggable market rate cards
Swap in any lender's rate sheet via JSON. The agent re-runs and outputs the optimal APR tier per provider.
Stateful LangGraph cycles
The agent re-evaluates on every credit change event, maintaining state across utilization spikes and score shifts.
Credit Inputs (Mock Profile: Sarah K.)
Reduce Chase utilization to 30% → unlocks B+ tier → APR drops to 9.99%
Market Rate Adapter · Multi-Lender Output
Proactive Alerts · Last 24h
Chase Sapphire: 71% utilization — triggers score penalty of -18 pts
Coach Recommendation (Balance-to-Rate Arbitrage):
Pay $1,600 on Chase now → util drops to 28% → score recovers +18 pts → APR tier improves from 12.49% to 9.99% → saves $1,250
Fed rate hold announced — personal loan spreads narrowing by 0.25% at Fintech Lender X
Refinance window open for 14 days. At current Grade B+: lock 8.24% APR vs. market avg 12.49%. Net delta: $2,100 saved
A proactive LLM layer that monitors your credit utilization in real-time and surfaces Balance-to-Rate arbitrage maneuvers — telling you exactly which payment, made today, yields the largest APR reduction.
Utilization spike detection
Monitors every balance change and fires alerts when utilization crosses score-penalty thresholds.
GraphRAG macro awareness
LlamaIndex indexes global interest rate trends — the coach adjusts its target rate recommendations when Fed policy shifts.
MCP protocol bridge
Connects the LLM to your local financial data, CSVs, and private calculation tools via the Model Context Protocol.
Gemini 1.5 Flash parses W2s, pay stubs, and tax returns in seconds using native multimodal vision. Agentic OCR workflows verify income and identity in real-time — reducing Time-to-Verification by 80%.
Vision-to-data extraction
Upload any W2, pay stub, or tax return image. Gemini Flash extracts structured income, employment, and deduction data.
Agentic verification loop
Cross-references extracted data against credit bureau records. Flags mismatches and requests re-upload automatically.
80% faster time-to-verification
What takes manual underwriting 3-5 days completes in under 60 seconds via the multimodal pipeline.
Document Queue
Extracted Identity Data
Drop W2, pay stub, or tax return
PDF or image · Parsed by Gemini 1.5 Flash
Four interconnected layers — orchestration, intelligence, identity, and UI — all working as a single agentic system.
LangGraph · Stateful cyclic workflows
The Underwriter Agent (deterministic) and Coach Agent (LLM) run as LangGraph nodes — stateful, cyclical, and re-evaluating on every credit event.
Gemini 1.5 Pro · LlamaIndex · MCP
Gemini 1.5 Pro analyzes financial documents. LlamaIndex GraphRAG indexes global rate trends. MCP bridges the LLM to local data and private calculation tools.
Gemini 1.5 Flash · Agentic OCR
Multimodal vision parses W2s, pay stubs, and tax returns in under 60 seconds. Agentic verification loop cross-references bureau data — 80% faster than manual underwriting.
React 19 · Tailwind · Framer Motion
The Delta Slider visualizes the amortization formula M = P·r(1+r)ⁿ/((1+r)ⁿ−1) in real-time, showing the exact dollar cost of every credit score point.
Start free. Upgrade for full agentic power.
Let the Underwriter Agent calculate your risk grade, the Coach Agent find your arbitrage move, and the Identity Vault verify your income — all in under 60 seconds.
No credit pull · Cancel anytime · SOC 2 Certified