Solutions · Banks and credit unions
The same regulatory weight, a fraction of the headcount.
Mortgage Intelligence for banks and credit unions: what is materially different about the operating problem, where the platform helps, which applications apply, and what can be evaluated today.
Their operating problem
What is genuinely different about this segment
A community bank or credit union carries the same regulatory weight as the largest institutions, under a prudential examiner as well as the CFPB, with a mortgage operation that may be a handful of people. Portfolio loans and sold loans sit side by side, each with its own standard, and the examination arrives whether or not the team had time to prepare for it.
A large bank's mortgage division has the opposite shape: quality control is institutional risk control across several origination channels, and the question is consistency and evidence at a scale where sampling was the only option.
Where Mortgage Intelligence helps
Which shared capabilities matter most here
- One consistent review standard across retail, correspondent and portfolio channels, with the rule set that applies to each recorded on every run.
- Compliance controls encoded as versioned rules: TRID, ATR/QM, HOEPA, HMDA, RESPA and Regulation B, so the answer to an examiner is a record rather than a description.
- The four-way outcome model, so that a rule that could not run is reported as such rather than counted as a pass.
- A written answer to vendor due diligence, including the AI/ML governance obligations Fannie Mae and Freddie Mac now extend to vendors.
Relevant applications
Which applications apply, with their actual status
Statuses are set by product, not by marketing. What each status means.
What can be evaluated today
Stated explicitly
Whole-file quality control on closed loans, portfolio or sold, on controlled historical files. Vendor-managed cloud today; deployment inside your own AWS account is in development and not yet available, and that timing matters more to a regulated institution than to most, so ask early.