Origination and underwriting
Validate application, ability-to-repay, pricing, disclosures, eligibility, appraisal, approval, and adverse action.
applicationunderwritingdisclosuresapproval
Work-to-proof operating intelligence
Originate, service, report, and examine every loan from one governed record.
Connect applications, underwriting, disclosures, HMDA, fair lending, servicing, complaints, licensing, quality control, and FHA evidence.
One governed operating record
✓ Faster governed work✓ Earlier material-risk detection✓ Complete evidence lineage✓ Continuous regulatory readinessRole-specific execution
Workflows that become examination proof.
People do their actual work in Smarter. Approved outcomes, evidence receipts, and requirement status synchronize into Vigil without duplicating files or exposing restricted content.
Servicing and loss mitigation
Guide transfers, payments, escrow, delinquency, foreclosure, complaints, and loss-mitigation timelines.
servicing historycommunicationsloss mitigationcomplaints
Shared intelligence fabric
Every useful action improves the system—inside constitutional boundaries.
Raw work product remains workspace-private; only authorized, purpose-bound, pseudonymous reviewed outcomes may enter minimum-cohort learning.
Raw work product stays privateNo employee performance scoringMinimum cohort and human approvalNo automated regulatory decisions
SmarterMortgage Operations
Vigil examination bridge
Operational actions become requirement-level evidence.
- ✓HUD/FHA lender reviewAuthority · task · evidence · result · receipt
- ✓CFPB mortgage examinationAuthority · task · evidence · result · receipt
- ✓HMDA and fair-lending testingAuthority · task · evidence · result · receipt
- ✓NMLS licensingAuthority · task · evidence · result · receipt
Smarter × Vigil