Governed decisions in lending.
Verification policy, decision records, exception queues and the GSE mandates — what they ask of a lender, and how Miji answers them with lending decision automation.
Which policy governed this loan? Answering the examiner's question
When a decision is questioned a year later, a log excerpt is a weak answer. The strong answer is the exact policy version, the inputs it saw, and a re-run that produces the same result.
Your verification policy needs version numbers
Credit overlays usually live in a memo, a spreadsheet and three processors' heads. Turning them into a versioned policy is what makes identical files get identical treatment.
Only the files that need judgment: exception queues and approval authority
Reviewing every file is not control — it is a queue. Control is deciding in advance which files need a person, which person, and how many of them have to agree.
What the Fannie Mae and Freddie Mac AI mandates mean for lenders
For the first time, both GSEs require AI governance from every seller — including for AI your vendors provide. Here is what changed, and what you now have to be able to produce.
Governed prequalification for manufactured-home lenders.
Thirty minutes: a file going from the retailer to a decision on Miji, and the record it leaves. Mortgage and consumer lenders welcome too.