QC · AVAILABLE FOR EVALUATION
Mortgage Intelligence for Quality Control.
Review the whole file, preserve the evidence, and focus human judgment where it matters. Running on real files today, on sample, synthetic or de-identified historical files, with every finding carrying the rule version and the source page behind it.
Why QC is hard
Most defects live between the documents
Experienced reviewers already do this work, and do it well. The constraint is not skill: the checks are numerous, the file is long, the policy keeps moving, and the time is finite.
No single document is wrong. The finding only exists when the file is read as one thing. That is what cross-document reasoning means, and it is where Mortgage Intelligence shows first.
- What a miss costs
- $32,288Estimated average cost per repurchase demand. National Mortgage News, drawing on STRATMOR Group analysis.
- What the rate hides
- 1.50%Critical defect rate, CY2025, flat against 1.52%, while eligibility defects rose 291% and credit 166%. ACES Mortgage QC Industry Trends.
- What a loan costs to produce
- $11,109Fully loaded total production cost per loan, not QC cost. MBA Quarterly Performance Report, Q3 2025. No per-loan QC figure is published industry-wide.
- What changes
- Designed for every loan, not a sampleFull-file, cross-document checks rather than a sampled read, so depth stops being the variable that quietly gives. What is on offer today is a controlled evaluation: see the capability matrix below.
Whole-file workflow
Seven stages, and two boundaries
Models perceive. Versioned rules enforce. A person resolves the exception, and every step is kept with the finding.
Intake
Loan file received and queued.
Classification
Documents identified and segmented.
Extraction
Values located, kept with page and source.
- Verify: a person corrects what the system is unsure of, before rules run
Synthesis
Reconciled across the file; conflicts recorded.
Validation
Versioned rules run. Skips recorded too.
Review
Exception raised. A reviewer resolves it.
- Findings: what the reviewer opens
- Disposition: a named person decides, and it is recorded
Evidence
Finding kept with the rule version that made it.
- Report: the exported record, with the rules that did and did not run
Classification and extraction
What the system reads now
A vision-language model classifies each document against the supported form set and locates the fields. Every value is stored with the document, the page and its position on the page.
Synthesis
Documents become one loan record, with conflicts visible
Borrower, property, income, asset and liability data are consolidated into a single structured record, mapped to MISMO field paths so the same fact means the same thing across every document that touches it.
Where two documents disagree, the conflict is carried forward as a conflict rather than resolved silently by whichever document was read last. The resolution strategy, where one is applied, is recorded with the value. Derived values show the formula that produced them.
This is the layer where reading becomes mortgage understanding: not what the paystub says, but what qualifying income is for this borrower, under this program, given four sources that do not agree.
Controls
The policy the rules enforce, encoded and versioned
Not a checklist held in someone's head. Each control is a stored rule, bound to a loan program, and the record shows which ran and which were skipped.
Rule sets are selected by loan program, so an FHA file and a bank-statement file do not run the same checks. Which rules were skipped, and why, is recorded alongside the ones that ran. Encoding a published requirement is not endorsement by, affiliation with, or certification from any agency or GSE.
Findings
Four outcomes are recorded, not two
Every rule returns one of four states, and the distinction between the last three is the point.
A system that reports only pass and fail turns data required and not applicable into silence, and silence reads as clean. Each finding carries a severity, the rule and its version, the values used and their sources, and a status a reviewer moves it through.
Evidence
What is kept with every finding
Six months after a file is cleared, someone asks why. A finding that cannot answer is an opinion with a timestamp.
Recorded on every run: the values used, with the source document each came from; confidence per value; which source won where documents disagreed, and on what basis; the MISMO field path; the rules that ran; the rules that were skipped; the loan program applied; and the rule set version. Anatomy of a finding, taken apart in full.
What is retained today: findings and synthesized values keep their lineage to the source data and the source document. What is still being built: presenting that lineage down to page and field level inside the reviewer interface. The record exists; the interface for reading it at that granularity is on the roadmap.
Governance
“You are using AI. Show us what it did, and how you knew it was right.”
Fannie Mae's LL-2026-04 took effect 6 August 2026; Freddie Mac's Bulletin 2025-16 has been live since 3 March. Both require a documented AI/ML governance program, and both hold you to the same standard for the AI your vendors use.
What is the AI doing, and why
Each stage is named and bounded. A model reads; deterministic rules produce the findings; a person disposes. The purpose of the AI is answerable in one sentence rather than described.
What safeguards are in place
The rule layer contains no model, so the rule applied and its version are fixed. That is a real safeguard and a bounded one. It does not make extraction error harmless.
How do you know it got it right
Every value carries the source document it was read from, and every finding the numbered rule version. Given the same inputs and version, the same result follows, so a disputed answer is traceable to a specific value on a specific page.
Can you evidence it for a vendor
The obligation extends to vendor and subcontractor AI, held to the same standard. The record exists as a by-product of the review, not as a document written afterwards.
The platform produces the evidence; the lender holds the obligation. Nothing here implies approval or endorsement by Fannie Mae or Freddie Mac.
Human review
A named person decides, and that is recorded
Reviewers correct extraction, assess findings and make the final loan decision. That is a design position and it is not on a roadmap to be removed.
Current capability
What runs today, and what is still being built
Stated as two columns rather than one, because the distance between them is the thing a buyer needs and the thing vendors usually hide. Current as of the September 2026 capability review.
Running today
These run in the deployed environment now. A rules specialist or an audit lead can be shown them without qualification.
The strongest part: rules, versioning and lineage
The rule model, execution, explainability and lineage can be demonstrated now; the authoring and approval interfaces around them are in the group below.
Implemented, awaiting verification
Everything in this group is implemented; what it has not yet had is demonstrated behavior we would put in front of you as evidence.
In development
Where current and target are furthest apart, stated so timing can be planned rather than discovered.
Intake
How a loan file reaches the platform, today and next
Split into what runs now and what is on the roadmap, because the difference decides what an evaluation can actually cover.
Security and data
Your documents are not training data
A third-party foundation model reads them, inside our cloud environment. Retention is contractual. Deployment inside your own AWS account is in development and not yet available.
Evaluation
How to test it against controlled files
A synthetic file with no data from you, or three to five of your own de-identified files whose outcomes you know. Misses, false alerts and time, agreed in advance and computed together.
See where it stands, on a real file.
A working session on a synthetic file, or de-identified files of your own. You will see the parts described above as running, and the parts that are not.