Tag: model governance

3 articles tagged “model governance”

A Copilot Waits to Be Asked: Why the Manual Middle of a Mortgage Needs an Agent That Holds the Goal, and How You Bound What It Does

A copilot's ceiling is the number of hours your staff spend asking it things, which is exactly the resource a mortgage operation is short of. The work that actually clogs a loan runs for days and nobody is sitting there prompting it. What changes when an agent holds the goal instead of answering a question, and the specific controls that keep an autonomous agent inside a boundary an examiner will accept, under SR 11-7 and ECOA.

Oct 6, 20266 min read

The Metric That Lies: Why Automation Rate Is the Wrong Number to Lead With, and the Four We Report Instead

Every mortgage AI pitch leads with an automation rate, and it is the one number that can be high while the deployment is failing. A straight-through rate rises when you lower the confidence floor, which is also how confident errors start reaching the loan. The four measurements we actually hold a mortgage deployment to, why the exception rate matters more than the automation rate, and how SR 11-7 and the NIST AI RMF turn these from a dashboard into a control.

Oct 2, 20267 min read

The First 90 Days of a Mortgage AI Deployment: The Controls We Stand Up Before the Agent Touches a Live File

Most mortgage AI deployments fail at the start, when the agent goes live before the controls that make it safe exist. The first 90 days are a control build, not a rollout. What we run in shadow mode before the agent touches a file, why the go-live gate is set per control instead of globally, and how deploying controls-first is also the posture an examiner expects to see.

Sep 11, 20266 min read

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