Scalability is another factor that is moving banking, mortgage, and insurance companies in the direction of machine-based automation. Specifically, understanding the hundreds of different types of mortgage-related documents for the purpose of classification, document assembly and stacking, data extraction, analysis and underwriting is complex and typically requires a skilled worker with an extensive knowledge of the mortgage industry. These mortgage tasks cannot be effectively crowd-sourced as micro-tasks since, even at the most atomic level, a reasonable degree of knowledge of the mortgage space is required.

Distinguishing between closely related documents types is generally subtle and nuanced. Outsourcing is also difficult to scale quickly as these outsourced workers need to be reasonably skilled in the art of mortgage processing and are reasonably hard to come by.

A machine-based, automated mortgage processing platform is readily scalable. This is true even more so for Cloud-based deployments. Typically, a client would want to scale horizontally and maybe also vertically. In the Cloud, cloning a server is trivial and can be done in real-time. This allows a bank, insurer or mortgage company to respond in real-time to a spike in loan processing demand triggered by anything from a lowering of interest rates by the Fed to a sale of some mortgage-backed securities.