Predictika · Mortgage loan-file actions

A JazzX Fulfillment AI worker's proposed loan-file action, checked before it reaches the loan system

In the JazzX Residential Mortgage Suite, Fulfillment AI analyzes the loan, manages conditions and prepares a decision-ready file with supporting evidence. Here a Fulfillment AI worker at Marlowe Home Funding, a fictional retail lender, proposes actions on a loan file: clear or waive a condition, accept a document, order a service, follow up with the borrower, send the file to the underwriter, or request an exception. Before it goes out, the worker sends the proposed action to Predictika, which checks it against agency-style guidelines, the lender's overlays and the limits of the worker's authority, and returns one verdict and every reason.

Scope: Six loan-file actions a Fulfillment AI worker can propose on a conventional mortgage file (clear or waive a condition, accept a document, order a service, send a borrower follow-up, send the file to underwriting, request an exception). See everything this validator covers

This validator models the loan-file actions of a mortgage fulfillment worker, not just the scenarios shown below.

  • Sending the file to the underwriter — document age (pay stubs, asset statements), an appraisal that must still be current at closing, flood determination and title on file, qualifying income and DTI, LTV by occupancy and purpose, credit score, reserves after the funds to close, large deposits that need a source, and the stated DTI against the one the validator computes.
  • Conditions and documents — clearing a condition or accepting a document: evidence on file, the right kind of document for the condition, document age against the closing date, name match and complete pages; conditions reserved for the underwriter; waivers by stage and by lender policy.
  • Services and borrower contact — ordering an appraisal, title, flood determination or employment verification (intent to proceed, the appraisal management company, duplicates, timing) and following up with the borrower (channel, contact hours, consent, sensitive data, frequency).
  • Authority and exceptions — the worker never makes the credit decision, never waives a condition that must be met before documents are drawn, needs an underwriter for large loans and waivers, and can only request an exception that an underwriter then decides.

Any conventional-loan file action that touches these rules is in scope — not only the scenarios pictured here. Product names and the description of Fulfillment AI follow JazzX's public website; the mortgage rules follow agency-style conventional practice and illustrative lender overlays modeled by Predictika, not JazzX policy or any real lender's. Not covered: government loans, jumbo pricing, the credit decision itself, the loan origination system, and disclosures. This is not a loan offer.

The Fulfillment AI workerProposes an action on a mortgage file and says it is ready to go to the loan system.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

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

What the agent proposes

The Fulfillment AI worker says

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

Proposing agent: Fulfillment AI worker (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
An appraisal or employment check that is current today but will be too old by the closing dateOnly with workarounds
The document age and the days to closing live in different fields, so a rule has to add them. A check on the age alone passes today and fails at the closing table.		The age today and the days to closing are in one request and are added on every call.
A deposit that counts as large only against income, and income that depends on how long the bonus has been paidOnly with workarounds
Bonus income counts only after a minimum history, and the large-deposit test is half of the qualifying income. One rule feeds the other, so each has to be written and kept in step.		Qualifying income is computed once and every rule that depends on it, including the large-deposit test, sees the same figure.
Reserves after the funds to close and any deposit set aside as unsourcedOnly with workarounds
Reserves are a result of several fields, and sourcing one deposit changes them. A separate rule has to recompute them each time.		Reserves are recomputed from the facts on every call, so sourcing the deposit clears the reserves finding in the same pass.
A DTI the worker states that must match the DTI computed from verified incomeOnly with care
A total can be compared with a stored field only when someone has written the formula into a rule and keeps it current.		The stated DTI is a field of the request and is compared with the computed DTI on every call.
What a worker may never waive or decide, and what needs an underwriterOnly with care
A workflow can route for approval, but nothing checks the condition stage or lender policy unless each combination has its own rule.		Condition type, stage and loan size are fields of the request and are checked before the action is released.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as a step is saved, so a processor often fixes one error and meets the next.		All findings come back together, whatever order the facts arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the request; approval findings need a person to sign off; everything else is computed.

    
1The newest pay stub is 31 days old at application; income documents must be dated within 30 days of the application.
2The newest asset statement is 61 days old; it must cover the most recent 60 days.
3No appraisal is on file for this loan.
4The appraisal is 86 days old today and will be 121 days old at the closing in 35 days; it may be no more than 120 days old at closing.
5No flood zone determination is on file.
6No title commitment is on file.
7DTI of 45.1 percent on qualifying income of $10,000 a month is above the lender maximum of 45 percent.
8DTI of 48.0 percent on qualifying income of $10,000 a month is above the lender maximum of 45 percent.
9The request states a DTI of 31.5 percent; the validator computes 37.0 percent from the verified figures.
10LTV of 95.02 percent is above the lender maximum of 95 percent for this occupancy and purpose.
11LTV of 81.0 percent is above the lender maximum of 80 percent for this occupancy and purpose.
12LTV of 83.72 percent is above the lender maximum of 80 percent for this occupancy and purpose.
13A credit score of 659 is below the lender minimum of 660 for this occupancy.
14A credit score of 699 is below the lender minimum of 700 for this occupancy.
156 months of reserves are required; 5 months are documented once the funds to close and any unsourced deposit are set aside.
162 months of reserves are required; 0 months are documented once the funds to close and any unsourced deposit are set aside.
17A deposit of $60,000 is more than half of the $10,000 monthly qualifying income and has no documented source, so the validator sets it aside.
18A deposit of $5,001 is more than half of the $10,000 monthly qualifying income and has no documented source, so the validator sets it aside.
19The credit decision belongs to the underwriter; the worker cannot mark the file approved or denied.
20A loan of $1,050,000 is above the $1,000,000 limit for this action without an underwriter; a senior underwriter must be assigned.
21No document on file satisfies this condition.
22This condition is reserved for the underwriter and cannot be cleared by the worker.
23The document is not the kind of document that satisfies this condition.
24The document is 31 days old when measured at closing; the limit for this kind of document is 30 days.
25The name on the document does not match the borrower on the file.
26The document is missing pages.
27A loan of $1,200,000 is above the $1,000,000 limit for this action without an underwriter; a senior underwriter must be assigned.
28A worker may not waive a condition that must be met before loan documents are drawn.
29Waiving a prior-to-funding condition needs an underwriter signature.
30Lender policy does not allow this kind of condition to be waived.
31This condition is reserved for the underwriter and cannot be waived by the worker.
32A loan of $1,100,000 is above the $1,000,000 limit for this action without an underwriter; a senior underwriter must be assigned.
33A deposit of $40,000 is more than half of the $10,000 monthly qualifying income and has no documented source, so the validator sets it aside.
34The document is 11 days old when measured at closing; the limit for this kind of document is 10 days.
35The document is 121 days old when measured at closing; the limit for this kind of document is 120 days.
36The document is 91 days old when measured at closing; the limit for this kind of document is 90 days.
37The borrower has not indicated an intent to proceed, so no service that carries a fee may be ordered.
38An appraisal must be ordered through the lender appraisal management company, not from an appraiser chosen by the loan officer.
39This service has already been ordered or received for the file.
40A verbal verification of employment ordered now will be older than 10 days at the closing in 11 days.
41Nothing is outstanding on the file, so there is nothing to follow up on.
42The item the message asks for is already on file.
43A text or call at hour 21 of the borrower local day falls outside the 8 a.m. to 9 p.m. window for contacting a borrower.
44A text or call at hour 7 of the borrower local day falls outside the 8 a.m. to 9 p.m. window for contacting a borrower.
45The borrower has not given consent to be contacted by text message.
46The message includes a Social Security or full account number, which may not be sent by text or ordinary email.
47The borrower was already contacted 3 times this week; the limit is 3.
48Every exception request goes to an underwriter or the exception desk for a decision; the worker cannot grant one.
49An exception request needs at least 2 documented compensating factors; 1 given.
50The request does not say which guideline it asks to make an exception to.
51The file does not fall short of the guideline named in the request, so no exception is needed.
52DTI of 51.0 percent is above the 50 percent agency ceiling, which no exception can exceed.
53LTV of 86.0 percent is more than 5 points above the lender maximum of 80 percent; an exception is not available.
54A credit score of 610 is below the 620 agency floor, which no exception can lower.

  

  

    
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. Sending the file to the underwriter: An investment purchase sent to the underwriter with a pay stub, an appraisal, a deposit and bonus income to check

    
The agent's request. Marking the Delgado investment purchase decision-ready and sending it to the underwriter. The loan is $392,000 on a $490,000 purchase price. The appraisal is $495,000 and is dated 96 days ago; closing is in 41 days. The borrower has a 742 credit score. Qualifying income is $9,800 a month of base pay plus $1,900 a month of bonus income with 14 months on record; monthly debts are $1,650 and the housing payment is $3,150, which gives a DTI of 41.0 percent. The newest pay stub is 41 days old and the newest asset statement 24 days old. Funds on hand are $168,000, including a $62,000 deposit, against $104,000 needed to close. The flood zone determination has not been received. Ready for underwriting.

    
Verdict: Blocked.

    
    
      
  • Pay stub too old. The newest pay stub is 41 days old at application; income documents must be dated within 30 days of the application.
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  • Appraisal too old by closing. The appraisal is 96 days old today and will be 137 days old at the closing in 41 days; it may be no more than 120 days old at closing.
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  • No flood determination. No flood zone determination is on file.
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  • DTI above the lender maximum. DTI of 48.9 percent on qualifying income of $9,800 a month is above the lender maximum of 45 percent.
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  • Stated DTI does not match. The request states a DTI of 41.0 percent; the validator computes 48.9 percent from the verified figures.
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  • Reserves below the requirement. 6 months of reserves are required; 0 months are documented once the funds to close and any unsourced deposit are set aside.
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  • Large deposit with no source. A deposit of $62,000 is more than half of the $9,800 monthly qualifying income and has no documented source, so the validator sets it aside.
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2. Sending the file to the underwriter: The agent resubmits after fixing the errors

    
The agent's request. Marking the Delgado investment purchase decision-ready and sending it to the underwriter. The loan is $392,000 on a $490,000 purchase price. The appraisal is $495,000 and is dated 11 days ago; closing is in 41 days. The borrower has a 742 credit score. Qualifying income is $9,800 a month of base pay plus $1,900 a month of bonus income with 14 months on record; monthly debts are $1,650 and the housing payment is $3,150, which gives a DTI of 48.9 percent. The newest pay stub is 9 days old and the newest asset statement 24 days old. Funds on hand are $168,000, including a $62,000 deposit, documented as proceeds from the sale of the borrower's prior home, against $104,000 needed to close. The flood zone determination is on file. Ready for underwriting.

    
Verdict: Blocked.

    
    
      
  • DTI above the lender maximum. DTI of 48.9 percent on qualifying income of $9,800 a month is above the lender maximum of 45 percent.
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3. Sending the file to the underwriter: The agent resubmits after fixing the errors

    
The agent's request. Marking the Delgado investment purchase decision-ready and sending it to the underwriter. The loan is $392,000 on a $490,000 purchase price. The appraisal is $495,000 and is dated 11 days ago; closing is in 41 days. The borrower has a 742 credit score. Qualifying income is $9,800 a month of base pay plus $1,900 a month of bonus income with 14 months on record; monthly debts are $1,150 and the housing payment is $3,150, which gives a DTI of 43.8 percent. The newest pay stub is 9 days old and the newest asset statement 24 days old. Funds on hand are $150,000, including a $62,000 deposit, documented as proceeds from the sale of the borrower's prior home, against $104,000 needed to close. The flood zone determination is on file. The borrower paid off an installment loan with savings. Ready for underwriting.

    
Verdict: Allowed.

    
    
      
  • Computed by the validator. Qualifying income $9,800 a month, of which $0 is variable income counted; DTI 43.8 percent; LTV 80.0 percent; 14 months of reserves after the funds to close.
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4. Ordering a service: An appraisal order for a purchase

    
The agent's request. Ordering the appraisal for the Okafor purchase from Hartwell Appraisal, the appraiser the loan officer prefers. Closing is in 44 days. The borrower's intent to proceed has not been recorded.

    
Verdict: Blocked.

    
    
      
  • No intent to proceed. The borrower has not indicated an intent to proceed, so no service that carries a fee may be ordered.
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  • Appraiser not ordered through the AMC. An appraisal must be ordered through the lender appraisal management company, not from an appraiser chosen by the loan officer.
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5. Ordering a service: The agent resubmits after fixing the errors

    
The agent's request. Ordering the appraisal for the Okafor purchase through the lender appraisal management company. Closing is in 44 days. The borrower has confirmed the intent to proceed.

    
Verdict: Allowed.

    
6. Borrower follow-up: A text message to a borrower about an outstanding item

    
The agent's request. Texting the Brennan borrower at hour 21 to ask again for the March pay stub, with the savings account number included in the message to speed things up. The pay stub is already on the file and the borrower has not given consent to text messages. Two items are outstanding and the borrower has been contacted once this week.

    
Verdict: Blocked.

    
    
      
  • Item already on file. The item the message asks for is already on file.
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  • Contact outside allowed hours. A text or call at hour 21 of the borrower local day falls outside the 8 a.m. to 9 p.m. window for contacting a borrower.
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  • No consent to text. The borrower has not given consent to be contacted by text message.
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  • Sensitive data in an open channel. The message includes a Social Security or full account number, which may not be sent by text or ordinary email.
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7. Borrower follow-up: The agent resubmits after fixing the errors

    
The agent's request. Sending a portal message to the Brennan borrower at hour 10 asking for a letter explaining the gap in employment. Two items are outstanding and the borrower has been contacted once this week.

    
Verdict: Allowed.

    
8. Authority and exceptions: A waiver of a reserves condition

    
The agent's request. Waiving the reserves verification condition on the Whitfield investment purchase, a $300,000 loan. It is a prior-to-docs condition, and waiving it lets the file move on to loan documents.

    
Verdict: Blocked.

    
    
      
  • Prior-to-docs condition cannot be waived. A worker may not waive a condition that must be met before loan documents are drawn.
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  • Lender policy forbids the waiver. Lender policy does not allow this kind of condition to be waived.
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9. Authority and exceptions: The worker requests an exception instead

    
The agent's request. Requesting an exception to the reserve requirement on the Whitfield investment purchase: a $300,000 loan on a $400,000 purchase price, appraised at $405,000, for a borrower with a 780 credit score. Qualifying income is $9,000 a month, monthly debts are $600 and the housing payment is $2,400. Funds on hand are $64,000 against $52,000 needed to close. Compensating factors documented: 3. Please send it to the underwriter for a decision.

    
Verdict: Needs approval.

    
    
      
  • Exception needs an underwriter. Every exception request goes to an underwriter or the exception desk for a decision; the worker cannot grant one.
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  • Computed by the validator. Credit score 780, DTI 33.3 percent, LTV 75.0 percent, 5 months of reserves.
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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. In the JazzX Residential Mortgage Suite, Fulfillment AI analyzes the loan, manages conditions and prepares a decision-ready file with supporting evidence. Here a Fulfillment AI worker at Marlowe Home Funding, a fictional retail lender, proposes actions on a loan file: clear or waive a condition, accept a document, order a service, follow up with the borrower, send the file to the underwriter, or request an exception. Before it goes out, the worker sends the proposed action to Predictika, which checks it against agency-style guidelines, the lender's overlays and the limits of the worker's authority, and returns one verdict and every reason.
    2. 
      
  2. I will start with the first request by the agent.
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  3. The agent says. Marking the Delgado investment purchase decision-ready and sending it to the underwriter. The loan is $392,000 on a $490,000 purchase price. The rest of the request is on screen.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with seven findings, all in one answer. The newest pay stub is 41 days old at application; income documents must be dated within 30 days of the application. The appraisal is 96 days old today and will be 137 days old at the closing in 41 days; it may be no more than 120 days old at closing. No flood zone determination is on file. The other four are on screen.
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  6. The validator returned seven blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the request are checked against each other.
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  7. What this shows: for an appraisal or employment check that is current today but will be too old by the closing date, a rules-based CPQ 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 appraisal age to 11 days, the pay stub age to 9 days, the large deposit source documented to yes, the flood determination on file to yes and the stated DTI to 48.9 percent.
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  10. It calls the validator again.
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  11. Still blocked, with one finding, all in one answer. DTI of 48.9 percent on qualifying income of $9,800 a month is above the lender maximum of 45 percent.
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  12. Six findings cleared; still blocked on DTI above the lender maximum.
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  13. The agent resubmits once more.
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  14. The revised request. It changes the monthly debts to $1,150, the funds on hand to $150,000 and the stated DTI to 43.8 percent.
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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 earlier finding is cleared, and the validator's figure matches the request.
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  18. Seven problems caught in one call, fixed in two passes, and a clean action. That is the value of Predictika's validator: catching mistakes before the action runs.
    19.