SolutionsMortgage & 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.
In development — proven on your real flow in shadow mode before it touches live work.
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.
Three workflows. Your people approve every one.
CONDITION CLEARING
Underwriter signs offUnderwriting conditions read, supporting documents matched, the cleared and outstanding list assembled.
INCOME / ASSET DOCUMENT REVIEW
Processor reviewsPaystubs, statements, and tax docs read and reconciled to the application, discrepancies flagged with the source cited.
DISCLOSURE PACKET ASSEMBLY
Compliance reviewsDisclosure documents assembled and completeness-checked against the file for human review.
All three run as development builds — proven in shadow mode on your real work before anything goes live. 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.
What lands on the underwriter's desk.
Source-linked and human-approved before it reaches you — this is the shape of the finished work, with synthetic contents.
Condition clearing — Cleared
specimen- 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
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.
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. Not yet certified — the architecture is built to meet these standards, with formal certification in progress.
Sandbox first. Production on your real loan files only after proof.
Discovery
A listening call on where conditions and document review actually stall a file. No fit, we say so.
Risk classification
Every data class mapped to where it may be processed before anything is built.
Sandboxed run
The workflow demonstrated in an isolated environment on synthetic or de-identified data — before it touches any real work.
Shadow mode
The system runs alongside your team on your real loan files, with zero external effect.
Human-reviewed pilot
Live work with an underwriter signing off on every output — nothing clears unreviewed.
ROI review
Measured against your own baseline. We expand deliberately, or we stop.
Scope and pricing are set at intake, against your own baseline — never a list price.
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.
Start with one loan file.
We'll walk a condition-clearing result, the boundary, and a sample deliverable — under NDA, candidly.
Request a runOne 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.