Predictika · Loan Fee and Eligibility Check

Before an AI pricing agent quotes a mortgage, the quote is checked against the eligibility rules and the credit fee grid

Harbor Lane Home Lending, a fictional lender, lets an AI pricing agent prepare rate lock quotes. Before the quote goes to a borrower, the call goes to Predictika’s Loan Fee and Eligibility Check. It checks the credit score, LTV and CLTV limits, the county loan limit, DTI, reserves, mortgage insurance, the cash-out ownership minimum and the program rules, and it computes the credit fee from the grid so it can compare it with the figure the agent stated. Then it returns one verdict: allow, needs approval, or block.

Illustrative only. Harbor Lane Home Lending and its borrowers are fictional. The rules and fee figures are based on public agency materials as understood in September 2026, have not been reviewed by a mortgage professional, and are not lending advice.

Scope: one rate lock quote, judged against eligibility rules and a credit fee gridSee everything this validator covers

This validator decides one thing: whether one quote may go to the borrower, given the loan the agent proposes. It is not an underwriting system and does not approve a loan.

  • Action — quote one loan with a stated credit fee.
  • Rules — credit score, maximum LTV and CLTV, county limit, DTI, reserves, mortgage insurance, program eligibility, cash-out ownership period, and the stated fee.

Within these rules the validator handles any combination of the listed choices, not just the eight scenarios on this page.

What the validator sees: the loan the agent proposes and the fee it statesRead more

The validator takes the loan as inputs: county, purpose, occupancy, property type, units, credit score, LTV, loan amount, term, DTI and program choices. The agent also states the credit fee. The validator looks up the limit and the fee grid and computes the rest.

Two honest limits. The validator judges the loan it is given: if the agent enters the wrong score, the answer follows it. And a quote that never calls the validator is not checked; in a deployment the quoting workflow makes the call.

The AI agentPrepares the quote, states the credit fee, then calls the validator before sending it.
Predictika validatorLooks up the limit and the fee grid, applies the rules, then returns one verdict.

8 scenarios in 4 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

Looked up server-side before evaluation

    The agent says

    Illustrative agent statement. The validator receives the structured request below.

    Before acting, the agent must call Recorded run

    Predictika validator

    
      
    
        
        
        
      
    
      
    Waiting for the call.
    
      
    
    
  
    

  

  
    
    
    Where pricing tools get it wrong
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    General statements about pricing and eligibility tools, not about any named product. We rest this on public descriptions of how such tools work; anyone running a specific product will know it better than we do.
    
    
    
  
    

  
    
    
    What this validator catches
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    Every finding the validator returned across all 45 test runs, with the wording it used. Each finding is reported and none stops the others, so one violation can never hide another. A block means the agent must not do this; a review means a person must sign off first.
    
    
    
  
    

  
    
    
    Scenarios and results
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    The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.
    
    
    1. Cash-out refinance of a high-balance loan: 1. A cash-out refinance with a jumbo amount, a short ownership period and a wrong fee
    
    
    The agent's request. I'm quoting a 30-year fixed cash-out refinance of 900000 in Denver County. Credit score 700, 75 percent LTV, 38 percent DTI, and the home has been owned for 8 months. The credit fee is 29700.
    
    
    Verdict: Blocked.
    
    
      
      
    • Loan above the county limit. Loan amount $900000 exceeds the 1-unit conforming limit of $862500 in Denver County CO; this is a jumbo loan.
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    • Cash-out refinance before the ownership minimum. A cash-out refinance needs at least 12 months of ownership; the property has been owned 8 months.
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    • Stated credit fee differs from the computed one. The credit fee the agent states ($29700.0) differs from the credit fee the validator computes ($37125.0).
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    2. Cash-out refinance of a high-balance loan: 2. The agent reduces the loan but not the fee
    
    
    The agent's request. I'm quoting a 30-year fixed cash-out refinance of 850000 in Denver County. Credit score 700, 75 percent LTV, 38 percent DTI, and the home has been owned for 8 months. The credit fee is 29700.
    
    
    Verdict: Blocked.
    
    
      
      
    • Cash-out refinance before the ownership minimum. A cash-out refinance needs at least 12 months of ownership; the property has been owned 8 months.
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    • Stated credit fee differs from the computed one. The credit fee the agent states ($29700.0) differs from the credit fee the validator computes ($35062.5).
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    3. Cash-out refinance of a high-balance loan: 3. The same refinance at 14 months, with the right fee
    
    
    The agent's request. I'm quoting a 30-year fixed cash-out refinance of 850000 in Denver County. Credit score 700, 75 percent LTV, 38 percent DTI, and the home has been owned for 14 months. The credit fee is 35062.50.
    
    
    Verdict: Allowed.
    
    
    4. Loan limits: 4. A loan above the county limit
    
    
    The agent's request. I'm quoting a 30-year fixed purchase loan of 900000 in Denver County. Credit score 780, 80 percent LTV, 38 percent DTI. The credit fee is 12375.
    
    
    Verdict: Blocked.
    
    
      
      
    • Loan above the county limit. Loan amount $900000 exceeds the 1-unit conforming limit of $862500 in Denver County CO; this is a jumbo loan.
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    5. Loan limits: 5. The same loan, reduced
    
    
    The agent's request. I'm quoting a 30-year fixed purchase loan of 850000 in Denver County. Credit score 780, 80 percent LTV, 38 percent DTI. The credit fee is 11687.50.
    
    
    Verdict: Allowed.
    
    
    6. Cash-out refinance: 6. Cash-out refinance 8 months after purchase
    
    
    The agent's request. I'm quoting a cash-out refinance of 300000 on a home owned for 8 months. Credit score 700, 75 percent LTV, 38 percent DTI. The credit fee is 7875.
    
    
    Verdict: Blocked.
    
    
      
      
    • Cash-out refinance before the ownership minimum. A cash-out refinance needs at least 12 months of ownership; the property has been owned 8 months.
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    7. Cash-out refinance: 7. The same refinance at 14 months
    
    
    The agent's request. I'm quoting a cash-out refinance of 300000 on a home owned for 14 months. Credit score 700, 75 percent LTV, 38 percent DTI. The credit fee is 7875.
    
    
    Verdict: Allowed.
    
    
    8. Approvals: 8. A high DTI that needs a person
    
    
    The agent's request. I'm quoting a 30-year fixed purchase loan of 300000 in Dallas County. Credit score 740, 75 percent LTV, 48 percent DTI. The credit fee is 1125.
    
    
    Verdict: Needs approval.
    
    
      
      
    • DTI above 45 needs a documented approval. DTI 48 percent is above 45; confirm the automated approval finding supports it.
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    Narration transcript
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    The text of the narrated walkthrough, step by step.
    
    
      
      
    1. Welcome to a demo of Predictika's Validator. Harbor Lane Home Lending, a fictional lender, lets an AI pricing agent prepare rate lock quotes. Before the quote goes to a borrower, the call goes to Predictika’s Loan Fee and Eligibility Check. It checks the credit score, LTV and CLTV limits, the county loan limit, DTI, reserves, mortgage insurance, the cash-out ownership minimum and the program rules, and it computes the credit fee from the grid so it can compare it with the figure the agent stated. Then it returns one verdict: allow, needs approval, or block.
      2. 
      
    2. I will start with the first request by the agent.
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    3. The agent says. I'm quoting a 30-year fixed cash-out refinance of 900000 in Denver County. Credit score 700, 75 percent LTV, 38 percent DTI, and the home has been owned for 8 months. The rest of the request is on screen.
      4. 
      
    4. Before it goes out, the agent calls the validator.
      5. 
      
    5. Blocked, with three findings, all in one answer. Loan amount $900000 exceeds the 1-unit conforming limit of $862500 in Denver County CO; this is a jumbo loan. A cash-out refinance needs at least 12 months of ownership; the property has been owned 8 months. The credit fee the agent states ($29700.0) differs from the credit fee the validator computes ($37125.0).
      6. 
      
    6. 900000 is over the county limit of 862500, so the loan is a jumbo loan. A cash-out refinance needs at least 12 months of ownership, and the home has been owned 8. And the fee the agent states, 29700, is short of the 37125 the grid and the high-balance charge give. All three come back together, each from a different part of the rulebook: the county limit, the loan purpose, and the figure the agent stated.
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    7. What this shows: for county loan limits, pricing tools can do this only with workarounds.
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    8. Now the agent resubmits.
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    9. The corrected request. It changes the loan amount to $850,000.
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    10. It calls the validator again.
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    11. Still blocked, with two findings, all in one answer. A cash-out refinance needs at least 12 months of ownership; the property has been owned 8 months. The credit fee the agent states ($29700.0) differs from the credit fee the validator computes ($35062.5).
      12. 
      
    12. 850000 is under the county limit, so that problem is gone. The home is still 4 months short of the 12-month minimum. The fee is wrong again, for a new reason: with the smaller loan the correct fee is 35062.50, and the figure the agent kept, 29700, matches neither loan.
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    13. The agent resubmits once more.
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    14. The revised request. It changes the months owned to 14 and the stated credit fee to $35,062.50.
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    15. It calls the validator once more.
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    16. This time the validator clears it.
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    17. The loan is under the county limit, 14 months of ownership meets the 12-month minimum, and the stated fee equals the computed fee. The response lists the two fee lines that make it up: the grid fee and the high-balance charge.
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    18. Three problems caught in one call, fixed in two passes, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
      19.