How We Use Technology in the Mortgage Process
Advanced technology assists our licensed professionals—it never replaces them
Our Approach
We use advanced technology to help organize information, speed up document review, and identify potential loan options. This technology assists our team by collecting information, organizing documents, and matching borrower information to published mortgage guidelines.
Important to know:
- All loan advice, recommendations, and decisions are made by a licensed Mortgage Loan Originator
- Technology does not replace human review or judgment
- No loan is submitted or disclosed without licensed approval
The AI Assistant is classified as an internal decision-support and workflow automation tool and is not used to independently determine borrower eligibility or creditworthiness. Licensed MLO decisions supersede all AI-generated outputs, recommendations, scores, or flags.
- Collecting basic borrower information
- Reviewing uploaded documents for completeness
- Identifying potential loan programs for consideration
- Flagging missing items or inconsistencies
- Preparing summaries for licensed review
- Recommend a loan program
- Review exceptions or special circumstances
- Answer questions about loan suitability
- Issue disclosures
- Submit a loan to a lender
- Approve final loan terms
Every borrower works with a licensed professional who reviews the file, answers questions, and confirms the best path forward based on the borrower's goals and qualifications.
Borrower Enters System
You provide basic information and upload documents
AI-Assisted Intake & Document Upload
Technology helps organize your information and extract data from documents
Data Extraction + Guideline Mapping
System matches your profile to published lender guidelines
Escalation Trigger Detected?
Complex scenarios, exceptions, or compliance concerns trigger immediate MLO review
If No Escalation Needed:
Eligible Paths Summarized
You see educational information about potential loan options
Borrower Reviews Options (Non-Binding)
You select a preferred direction—this is not a commitment
If Escalation Triggered:
File Locked
System prevents further automated processing
MLO Reviews Risk & Guidelines
Licensed professional examines your file manually
Borrower Informed by MLO
You receive personalized guidance from your loan officer
MLO Review Required (All Paths)
Licensed MLO approves, modifies, or rejects. Disclosures or submission authorized only after MLO approval. MLO decision recorded with timestamp and rationale.
Any rates, payments, or costs shown are estimates for educational purposes only and are not binding until disclosed and approved by a licensed Mortgage Loan Originator. Actual rates depend on your complete financial profile, property details, and current market conditions.
Potential compliance, fair lending, or fraud concerns may be escalated to compliance management in addition to licensed MLO review. This ensures separation of duties and mature governance.
AI-assisted workflows, escalation thresholds, and outputs are reviewed periodically to ensure alignment with current regulations, investor guidelines, and company policies.
Audit Trail
- • All MLO decisions are timestamped and recorded
- • Named individuals are accountable for every recommendation
- • Complete documentation trail for regulatory review
- • Escalation reasons and outcomes are tracked
We're happy to explain how our systems work and how your information is used. Contact your licensed Mortgage Loan Originator or our compliance team anytime.
This disclosure is provided in compliance with federal and state mortgage lending regulations and consumer protection laws.