Mortgage Compliance, Checked And Cited
Demo availableGrocky Financial checks loan files against a sourced knowledge pack of federal lending rules, including TRID timing and tolerances, ability-to-repay and qualified mortgage, ECOA, FCRA, RESPA and HPML/HOEPA.
Each finding links to the regulation behind it, and a copilot answers questions in the same cited way. A licensed person certifies the result.
One Missed Disclosure Date Can Unwind A Loan
The challenge
Mortgage compliance is dense and date-driven: waiting periods, re-disclosure triggers, tolerance buckets and fee tests.
Most checks are still manual and depend on whoever reviews the file that day.
What it does
- Loan-file checks: TRID, ATR/QM, ECOA, FCRA, RESPA, HPML/HOEPA
- Copilot answers that cite the regulation
- Certification gate: a licensed person signs off
- Regulatory watch for rule changes
At a glance
| Status | Demo available |
|---|---|
| For | Originators, brokers, lenders |
| Delivery | Multi-tenant SaaS |
| Knowledge | 45 claims from 22 sources |
| Sign-off | Licensed professional |
How It Works
Load The File
Bring in the loan file data and key dates.
Run The Checks
The engine tests timing, tolerances and eligibility rules.
Review Findings
Each issue shows the rule, the evidence and how to cure it.
Certify
A licensed reviewer signs off; the record is kept for audit.
What's Under The Hood
Grocky Financial is a consumer of the shared Grocky platform. It inherits identity, audit, tenancy and the governed AI layer, and adds its own knowledge and workflows.
Deterministic tests
Fee and timing tests run the same way every time.
Cited findings
Every flag links to the governing regulation.
Regulatory watch
Rule changes are tracked and surfaced.
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