Origination and servicing run on figures somebody has to stand behind: a payment, a balance, a ratio that decides whether a borrower pays mortgage insurance for another two years. An assistant that guesses those is worse than no assistant. This one computes them with the formula the disclosure rule defines, says which rule, and stops where an underwriter decides.
Assigning the Mortgage Lending pack brings 31 terminology overrides and 3 measured definitions with it, along with the governance defaults that decide which actions wait for a person. Everything below is what that configuration contains, not an illustration of what it could contain.The useful question is never “can it do this” — it is “what does it do without asking, and what does it bring to a person”. Each card answers both.
governedThe assistant: Pulls the loan terms from the system that holds them, computes principal and interest, escrow and any mortgage insurance, and shows the inputs beside the result.
The person: Nobody, to produce the working. An underwriter decides what is sent to a borrower — a figure leaving the building is a disclosure, not a draft.
governedThe assistant: Computes the remaining balance on the amortisation schedule and compares it against both thresholds, naming the date each is reached.
The person: Servicing confirms before anything is written to the borrower’s account or sent to them — the platform’s job is to make the date arrive rather than to be noticed missing.
governedThe assistant: Gathers the documents, restates the ratios with their inputs, and lists what is missing rather than filling it in.
The person: The committee. What changes is that they read a file with its working attached instead of one with a conclusion at the top.
Every label resolves company override → industry default → canonical, and a region filters rather than ranks — so a label added for one market cannot change what another one reads. The same resolved words assemble the agent’s prompt.
overlayHome Loan Application in IN
overlayLoan Sanction in IN
overlayThe same label in every region this pack covers.
overlayThe same label in every region this pack covers.
overlayFCA MCOB in GB
overlayThe same label in every region this pack covers.
Each measure carries a definition, the formula it is computed by and the source that defines it. That is what makes the figure defensible in a review — and what stops a model producing a plausible one instead.
kpi mapThe full monthly housing payment: principal and interest, escrowed property tax and hazard insurance, and any association dues — the figure a borrower actually pays.
r = annual_rate / 12; P&I = L·r·(1+r)ⁿ / ((1+r)ⁿ − 1), plus escrow and dues
kpi mapOutstanding principal after a number of scheduled payments on a fully amortising loan — the basis the mortgage-insurance termination test is applied to.
balance = L·(1+r)ᵖ − pmt·((1+r)ᵖ − 1)/r
kpi mapLoan amount as a share of the property’s lending value, with the two balances at which private mortgage insurance may be cancelled on request and must be terminated automatically.
lending_value = min(purchase_price, appraised_value); ltv = loan / lending_value
Every deployment in this industry fails the same few ways. These are the ones the platform is built to make impossible rather than discouraged.
enforcedPayments, balances and ratios come from the formula and the loan’s own terms. A model that produces a plausible number is producing a defect that survives review, because it reads exactly like a correct one.
enforcedPreparing a statement and releasing it to a borrower are separate authorities. An assistant holding the first cannot perform the second, whatever it was asked.
enforcedEvery figure carries the inputs it used and the rule it came from, so a reviewer checks the calculation rather than trusting it — and an examiner reads the same record months later.
Everything on this page is configuration on top of one runtime. The controls underneath it are the same for every client, and they are written out in full on the platform page.
The first scope that works is a process somebody already owns, with a decision worth keeping human. Bring that, and we will map the agents, the integrations and the approval roles around it.
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