AI Agents Inside the LOS: The System-of-Record Boundary, the Write-Back Discipline, and the Audit Trail That Survives an Exam
Most mortgage AI fails not at the model but at the integration. How we run an AI agent against a loan origination system without corrupting the system of record. The propose-then-record pattern, idempotent write-backs, MISMO field mapping, and the change log an examiner will ask for under SR 11-7.