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Tag: pricing exceptions

1 article tagged “pricing exceptions”
Mortgage

The Lock Desk: AI for Rate Locks, Extensions, and the Pricing-Exception Trail Fair-Lending Examiners Follow

The lock desk moves fast and touches price, which makes it two things at once: an operations bottleneck and a fair-lending exposure. Rate locks, extensions, relocks, and worst-case pricing are rule-bound math an agent can run. Pricing exceptions are discretion, and discretion is exactly what fair-lending exams sample. Where an AI agent runs the lock lifecycle, how it enforces the exception-approval trail, and why the reason code on a concession matters more than the concession.

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