Mortgage & lending operations
The loan file, conditions cleared.
Condition clearing, income and asset review, disclosure assembly — the document work that stalls a loan, reconciled and packaged for your processors and underwriters before anything closes.
No rip-and-replace
Runs on top of your loan origination system.
No rip-and-replace — finished work is delivered into the loan origination system your team already runs in. The system sits over your existing stack; there is nothing new for your team to operate.
The work
Three workflows. Your people approve every one.
- CONDITION CLEARINGIn development
Underwriting conditions read, supporting documents matched, the cleared and outstanding list assembled.
Underwriter signs off
- INCOME / ASSET DOCUMENT REVIEWIn development
Paystubs, statements, and tax docs read and reconciled to the application, discrepancies flagged with the source cited.
Processor reviews
- DISCLOSURE PACKET ASSEMBLYIn development
Disclosure documents assembled and completeness-checked against the file for human review.
Compliance reviews
In development means we prove each one on your real loan files in shadow mode before it touches a live file. Only our privileged-litigation intake and chronology work runs in operation today. The system clears and reconciles documents — it never underwrites or makes the credit decision.
The deliverable
What lands on the underwriter's desk.
- Condition
- VOE — current employment, two years' history
- Document received
- Written VOE 06/04 · two recent paystubs
- Source cited
- WVOE p.1 · paystub 05/31 (YTD reconciles)
- Status
- Cleared — ready for underwriter sign-off
Structure real, contents synthetic.
Is this you?
Built for one kind of operation.
- Condition and document volume is the constraint on your turn times, not the credit decision.
- Processors spend the day chasing conditions and reconciling docs instead of moving files.
- You run on a loan origination system you are not going to replace.
- Loan files carry NPI that rules out sending them to generic AI.
If document throughput isn't your bottleneck, this isn't your page — and we'll say so on the call.
The boundary
Loan files never leave your boundary.
Single-tenant, your keys
Your workload runs in a dedicated environment that is yours alone, under customer-held encryption keys.
No model provider in the chain
Open-weight models we run inside your boundary — borrower files never reach a third-party model provider. Enforced in code, not promised in a policy.
Egress-deny by architecture
A fail-closed gateway classifies every request before inference; anything that can't be served inside your boundary is refused.
Loan files carry nonpublic personal information — every request is classified before inference and served inside your boundary, handled to GLBA's Safeguards Rule, never sent to a third-party model provider. Approved frontier models may handle non-sensitive tasks when your policy allows — the hard line holds only where the data is privileged or regulated.
Frameworks
- SOC 2 Type II
- ISO 27001
- HIPAA / HITECH
Architecture built to meet these standards — formal certification in progress.
How it starts
No demo. A bounded pilot on your real loan files.
- 01 · Discovery
A listening call on where conditions and document review actually stall a file. No fit, we say so.
- 02 · Risk classification
Every data class mapped to where it may be processed before anything is built.
- 03 · Shadow mode
The system runs alongside your team on your real loan files, with zero external effect.
- 04 · Human-reviewed pilot
Live work with an underwriter signing off on every output — nothing clears unreviewed.
- 05 · ROI review
Measured against your own baseline. We expand deliberately, or we stop.
Scope and pricing are set in the briefing, against your own baseline — never a list price.
Next
One of the operations we run.
Mortgage and lending operations is one of the regulated, document-heavy businesses Miko runs — the same finished-work, human-approved model extends across the others under Solutions. None is live until it's proven on your real work.
Run by the engineer who built it — Eric Yun designs Miko's inference, routing, and approval gates personally, and operates Pleadly under attorney-client privilege today.
Bring one loan file to the briefing.
We'll walk a condition-clearing result, the boundary, and a sample deliverable — under NDA, candidly.
Book a briefing →