Thrilled to share my final submission for the DDS AI Challenge 2026 — MortgageAI, a fully automated, no‑code/low‑code mortgage underwriting engine built end‑to‑end using n8n, Anthropic Claude Sonnet, OpenAI GPT5/GPT4o, and Google Cloud. MortgageAI delivers FOIR, EMI, loan eligibility, multi‑bank underwriting, document checklists, and email-ready summaries — What I Built Deterministic FOIR/EMI engine Multi‑bank underwriting logic (HDFC, ICICI, SBI; Axis/Kotak next) AI‑powered PDF parsing with fallback models Automated Drive folder creation Google Sheets logging Email delivery with underwriting summary Fully orchestrated through n8n Multi‑Model Strategy Claude Sonnet 4.5 → Underwriting logic GPT5 / GPT4o → PDF parsing fallback Deterministic JSON schema → Zero hallucinations Performance Underwriting latency: 1.8–2.4 sec Workflow latency: 3.5–5 sec End‑to‑end: ~6–7 sec Cost/run: $0.002–$0.006 Live Demo & Links n8n Workflow Demo: https://lnkd.in/gHwbpTBs Project Website: https://lnkd.in/dVXxMrUb Repo: https://lnkd.in/dfKxfgaP This challenge pushed me to design a production‑grade underwriting engine using a no‑code/low‑code stack — and I’m proud of the final outcome. Grateful to Decoding Data Science, the mentors, and the entire community for the energy throughout the challenge. hashtag#DDSAIChallenge2026 hashtag#AIChallenge hashtag#MortgageAI hashtag#FintechInnovation hashtag