From prefund QC to post-close audit — income, appraisal, credit, assets, compliance, and documents. Mortna handles the quality review workload that slows originators down. AI-assisted teams, turnkey delivery, SLA-backed results.
Everything from the first document in the file to clear-to-close, and the post-close audit your investors and examiners require. Our AI-assisted teams handle the quality burden so your loan officers and underwriters can focus on closing loans.
Deliverables
For every loan reviewed, you receive:
Your QC plan stands up in your next audit. Our review is fully independent of your production chain.
Common Question
DU validation and AIM cover a fraction of your pipeline — self-employed borrowers, Non-QM, and jumbo do not qualify, and rep-and-warrant relief does not cover misapplied guidelines or fraud. We review what the automated tools cannot, and double-check what they can. When CU scores and UCDP results flag a file, our team digs into the details. When they do not, our fraud screen catches what the GSEs miss.
Also Available
EPD (early-payment-default) reviews and repurchase/rebuttal-defense support. When an investor issues a repurchase demand, our team builds the rebuttal file — guideline citations included. Contact us →
Expanding Soon
The Math
A 200-loan/month lender spends roughly $45–60 per file on prefund review labor alone. Mortna’s blended AI-plus-reviewer model delivers the same review — with citations and trending — at roughly half. And the cost is variable: a slow February does not carry a fixed QC team. You pay for files reviewed, not headcount retained.
Every Mortna reviewer works alongside proprietary AI. The AI handles extraction, classification, and defect detection; the human applies judgment and signs off. You get full transparency — a client portal, audit trails, and defect trending — plus the results.
Every team member works with AI trained on Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines. The AI flags defects; the human makes the final call. Learn More →
600+ mortgage document types classified, extracted, and stacked automatically. Every loan package becomes structured data in seconds. Learn More →
Connects with Encompass, Empower, Calyx Path, and MeridianLink via API and secure file exchange. Files flow in, findings flow back — no manual uploads. Learn More →
Pre-trained on Fannie Mae, Freddie Mac, FHA, VA, USDA, and CFPB guidelines. It knows the rules, cites them, and does not guess. Learn More →
Beyond software, we provide AI-driven operations and expert teams that help US lenders and servicers achieve better outcomes — faster, cheaper, and more accurate.
We take over entire operational functions. You get outcomes — reviewed loans, cleared conditions, shipped files — not software to manage yourself.
Our reviewers work alongside state-of-the-art AI, handling 2x the volume of a traditional reviewer with higher accuracy and full audit trails.
AI does the repetitive work; expert humans do the judgment. You pay for results, not seats — the math works because our technology handles the volume.
No implementation project, no months of onboarding. Our teams are pre-trained on US mortgage operations. Go live in days, scale on demand.
A structured onboarding that gets our team live on your files within days, not quarters.
Offload the loan-quality workload and run your operations at 2x speed and half the cost. Send us 50 files — free, no commitment.
