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.
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.
Built by Kadel Labs for US mortgage operations and pre-trained on the workflows your teams already trust. Browse the full workforce below — 110 digital employees across 11 departments, each doing the initial work with a named human accountable where the rules require it.
110 digital employees, each shipped with an industry-leading, CFPB-aligned workflow — not a raw API. Every workflow keeps a human accountable at the checkpoint federal and investor rules require, and every action, human or agent, is written to an immutable audit trail. Browse the departments below to meet the team.
Works the pipeline at 3am on a Sunday as reliably as 11am on a Tuesday.
Runs in your company's own cloud or on-prem setup. Borrower data never leaves your control.
Purpose-built SLMs mean lower compute cost and no GPU queue to wait on.
Every workflow stops at the point CFPB and investor rules require a human sign-off — and proves it, immutably.
Every digital employee on Mortna is pre-trained on the workflow your underwriting, servicing, and compliance teams already trust, built around U.S. mortgage regulation as it actually works — CFPB, RESPA, TILA, HMDA, Fannie Mae, Freddie Mac, Ginnie Mae, and state law — not a generic global template. Here's the case, in full, for hiring rather than integrating.
No shifts, no leave, no attrition. Your digital employees work the pipeline at 3am on a Sunday exactly as reliably as 11am on a Tuesday — and they never hand in their notice.
Runs within your company's own cloud or on-prem environment. Borrower and portfolio data never leaves your control — nothing is sent to a third-party model provider.
Purpose-built SLMs, not oversized general models. Lower compute cost, lower latency, and no GPU procurement queue to wait on before you can go live.
Underwriting decisions, foreclosure referrals, fund releases, SAR filings, board reporting — each has a designated human role (Underwriter, Loss Mitigation Manager, Funder, BSA Officer, Chief Risk Officer) who reviews and is accountable, exactly where federal and investor rules place that accountability. The agent prepares; the named human decides.
—
—
The Humans
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.
Book a demo and we will walk you through exactly how our AI-assisted teams handle your loan files.