https://delta-point-underwriter.vercel.app/
The Agentic Credit-to-Yield Engine
DeltaPoint is a financial co-pilot that answers one question:
"What is the exact dollar cost of your current credit score — and what is the fastest path to a lower rate?"
Instead of showing you a number and walking away, DeltaPoint calculates your Interest Delta — the precise dollar difference between what you pay today and what you could pay with a better credit profile — and gives you an agentic roadmap to close that gap.
| Module | Plain English |
|---|---|
| Delta Slider | Move a credit score slider and watch your monthly payment and total interest update live. See exactly how much each score point is worth in dollars. |
| Underwriter Agent | Enter your credit inputs (score, DTI, utilization). A deterministic AI agent calculates your risk grade, the interest rate you qualify for, and the single action that upgrades your tier. |
| Coach Agent | An AI monitor that fires proactive alerts — "your utilization just hit 71%, pay $1,600 now to save $1,250 in interest." No waiting. No logging in to check. |
| Identity Vault | Upload a W2, pay stub, or tax return. AI vision parses it in under 60 seconds and verifies your income — replacing a 3–7 day manual process. |
git clone https://github.com/bnamatherdhala7/DeltaPoint-Underwriter.git
cd DeltaPoint-Underwriter
npm install
node serve.mjsOpen http://localhost:3000 in your browser.
| Doc | What's inside |
|---|---|
| Features | All 5 features explained with screenshots — what each does and why it matters |
| Architecture | System diagrams, data flow, agent graph, the Delta formula |
| Getting Started | Full setup guide, dev server, screenshot utility, project structure |
| PRD & Market Research | Product requirements, market data, competitive analysis, success metrics |
| Architectural Decisions | Why LangGraph, why deterministic Underwriter, why Gemini Flash — the reasoning behind every key choice |
Orchestration → LangGraph (stateful multi-agent workflows)
Intelligence → Gemini 1.5 Pro + LlamaIndex GraphRAG
Vision / OCR → Gemini 1.5 Flash (document parsing)
Protocol → Model Context Protocol (MCP)
UI → React 19 · Tailwind CSS · Framer Motion
Dev Env → Claude Code
DeltaPoint-Underwriter/
├── index.html ← Full single-page application
├── serve.mjs ← Local dev server (port 3000)
├── screenshot.mjs ← Puppeteer screenshot utility
├── docs/
│ ├── FEATURES.md
│ ├── ARCHITECTURE.md
│ ├── GETTING-STARTED.md
│ ├── PRD.md
│ └── screenshots/ ← Section screenshots
├── brand_assets/
└── package.json
MIT © 2026 DeltaPoint Inc.
Built with Claude Code · Gemini 1.5 Pro · LangGraph