How We Work

HOW WE WORK

AI-Assisted Experts. Proprietary Technology. Your Quality Ops, Managed.

Mortna is not a software vendor. We do not ask you to learn a platform or manage AI. We take over your operational functions and deliver results — here is what powers our team.

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OUR MODEL

AI Does the Work. Humans Do the Judgment. You Get the Outcomes.

Every Mortna operations team member works alongside specialized AI. The AI handles document extraction, classification, initial analysis, calculations, and defect detection. The human reviews the AI output, applies judgment on edge cases, and delivers the final finding. You never manage the technology, but you see everything — a live findings portal, per-loan audit trails, and monthly defect trending. Zero systems for your team to run; full transparency for your auditors.

OUR TECHNOLOGY

Purpose-Built for Mortgage. Proprietary. Defensible.

Built by Kadel Labs specifically for US mortgage operations. Trained on GSE, FHA, VA, and USDA guidelines and 600+ document schemas. It cites the guideline on every finding — because in this business, an answer without a citation is a guess. This is what makes the economics work.

Proprietary Guideline Intelligence

Pre-trained on Fannie Mae, Freddie Mac, FHA, VA, USDA, and CFPB guidelines. It knows the rules, cites them, and does not guess.

Document Intelligence Engine

600+ mortgage document types classified and extracted automatically — any loan package turned into structured data in seconds.

Agentic Workflow Engine

Specialized AI agents, each trained for a review domain, orchestrated in pipelines per loan type. The AI handles the volume; humans handle the edge cases.

INSIDE THE ENGINE

7 Specialized AI Agents. One Worked Example Each.

Each agent handles one review domain — the internal tools that make our teams 2x faster. Here is what they actually do, with a real (sanitized) finding from each.

1. Appraisal Review Agent

Validates comps, checks form compliance, cross-references AVM and CU data. UAD 3.6-ready.

Example finding: “Subject property (3BR/2BA, 1,450sf) adjusted against comp 2 (3BR/2BA, 1,620sf) shows a −$12,000 GLA adjustment — but the comparable is 170sf larger, warranting ≈ −$14,450 at the $85/sf local adjustment rate. Net adjustment exceeds the 15% threshold. Guideline: Fannie Mae B4-1.4-06. Severity: Major. Human reviewer: confirmed, flagged for appraiser rebuttal.”

2. Income & Employment Agent

Calculates income across all scenarios. Cites guidelines on every line.

Example finding: “Borrower’s 1120S shows a 23% revenue decline YoY; qualifying income used a 2-year average without trend adjustment. Per B3-3.2-01, declining income requires the lower of the 2-year average or the most recent year. Recalculated: $142,000 → $109,350. DTI impact: 38.2% → 46.1%. Severity: Critical. Human reviewer: confirmed, income recalculated, file resubmitted.”

3. Credit Review Agent

Analyzes tri-merge, calculates DTI, detects undisclosed debts.

Example finding: “Mortgage trade line on Equifax (opened 2023, $1,850/mo) not disclosed on the 1003. Cross-referenced against the borrower’s listed properties: no match. Undisclosed debt. DTI recalculated with the liability: 41.2% → 47.8%. Guideline: B3-5.3-01. Severity: Critical. Human reviewer: confirmed, explanation letter required.”

4. Asset & Reserves Agent

Sources large deposits, validates gift funds, calculates reserves.

Example finding: “Large deposit $28,400 on statement date 04/15 — no matching payroll or transfer from disclosed accounts. Unsourced. Required: written explanation + paper trail per B3-4.2-02. Deposit also exceeds 50% of monthly qualifying income. Severity: Major. Human reviewer: confirmed, LOE and source documentation requested.”

5. Compliance & QC Agent

Validates TRID tolerance, HMDA, Fair Lending, state-specific rules.

Example finding: “Section B fee (appraisal) on CD = $550, LE = $475 — an increase of $75. Fee sits in the 10% tolerance bucket (borrower did not shop from the list); 10% of $475 = $47.50 max allowed. Overage: $27.50. TRID cure required. Guideline: 12 CFR 1026.19(e)(3)(ii). Severity: Critical. Human reviewer: confirmed, cure calculated, escalated to closer.”

6. Document Classification Agent

Identifies and stacks 600+ document types. Flags missing items.

Example finding: “File received: 247 pages, single PDF. Classified into 34 documents. Missing from the Conventional purchase checklist: VOE, flood certification, and hazard insurance binder. Confidence: 98.7% overall; 2 pages unclassifiable (handwritten notes). Human reviewer: confirmed missing items, conditions added.”

7. Fraud & Red-Flag Agent

Detects cross-file inconsistencies, identity mismatches, occupancy indicators. Screens OFAC, GSA/SAM, HUD LDP, FHFA suspended counterparty, and MERS for undisclosed mortgages.

Example finding: “Employer listed on the 1003 (XYZ Consulting LLC) — no FEIN match in IRS records, no web presence, phone disconnected. VOE returned ‘unable to verify.’ Bank statements show no deposits from this entity in 6 months. Pattern consistent with a fictitious employer. Severity: Critical — hold pending fraud investigation. Human reviewer: confirmed, SAR preparation initiated.”

Which agents run on which service

Service	Agents used
Prefund QC	All 7
Post-Close QC	All 7
Income Verification	Income & Employment + Document Classification
Appraisal Review	Appraisal + Document Classification
Credit Review	Credit + Fraud & Red-Flag
Asset & Reserves	Asset & Reserves + Document Classification + Fraud
CD Balancing	Compliance & QC + Document Classification
Compliance Review	Compliance & QC
Document Indexing	Document Classification

The Humans

Mortgage Professionals. AI-Assisted.

Our reviewers average 7+ years in US mortgage operations, including DE-underwriter and QC-audit backgrounds. Every reviewer passes a 6-week Fannie/Freddie certification program and monthly calibration against gold-standard files. Delivery teams overlap US business hours.

SECURITY

Enterprise-Grade. Certified.

GLBA-Safe Architecture

Your data is protected at every step, aligned to GLBA requirements.

ISO 27001 Certified

Information security management, independently certified.

CMMI Level 3 Appraised

Mature, repeatable delivery and quality processes.

SOC 2 (In Progress)

SOC 2 controls underway. Deploy on-premise or in your private cloud if required.

See How Our Team Works

Book a demo and we will walk you through exactly how our AI-assisted teams handle your loan files.

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