EClose completion advances the loan-file status machine (CLEAR_TO_CLOSE -> CLOSED)
Closes the terminal lifecycle seam: a fully executed/notarized/sealed eClose package emitted **************** but NOTHING consumed it, so the loan sat at CLEAR_...
Proxy the per-loan lock recommendation (read-only)
GET **************** (operator+org gated, org server-stamped) -> the RCE per-loan LOCK/WAIT/BLOCKED recommendation. The commit stays the existing human /locks a...
Proxy signed-doc download, delegation passthrough, vendor events, AUS waiver/validation write, non-QM detail, condition-template write
- Disclosure: GET **************** (steward, LOS_VIEW_PIPELINE) + GET **************** (borrower party-scoped), both byte-relaying the executed PDF from ESi...
Proxy the org product catalog for the run-trigger picker
GET **************** (operator+org gated; org-scoped by the downstream query, passthrough) → MLOSPricingService product list.
Steward disclosure void + status-sync + resend (native eSign)
- Void (#3): POST /esign-envelopes/{id}/void voids the live KAMO_NATIVE envelope in ESigService THEN mirrors the local stub to EsignStatus.VOIDED (stub demote...
Proxy vendor-order cancel (staff, loan-bound)
Expose POST **************** — staff-only, org resolved server-side, and the order must belong to THIS application's loan (verified against the loan's order lis...
Proxy steward write/read gaps — AUS **************** lock lifecycle events, LLPA blast-radius, eClose RON-fallback + workflow-template publish/detail, loan clearability
Closes the SecurityService side of a batch of verified proxy gaps where an MLOS engine capability existed but no browser-reachable proxy did: - underwriting: G...
Proxy closing-package assemble (light up the eClose write side)
POST **************** (operator-gated, org-stamped) → MLOSDocOrchestration assembler: resolves the tenant closing-workflow template as of the closing date + mat...
Transparent loan close-readiness endpoint (real milestones)
GET /mortgage-apps/{uid}/readiness (party-gated) → a weighted composite of REAL, explainable milestones (submitted / documents satisfied / conditions cleared / ...
Borrower payment-estimate endpoint (full PITIA, safe subset)
GET **************** (party-gated) → the borrower's estimated full monthly housing payment + components, a BORROWER-SAFE subset of the underwriting qualificatio...
Extract self-employment income from K-1 and P&L statements
K1 and PL_STMT previously returned DOC_TYPE_NOT_SUPPORTED; add vision prompts (employment.employerName + employment.wagesAnnual) so a self-employed borrower's K...
Borrower request-rate-lock → steward pipeline queue
POST **************** (party-gated): the borrower asks to lock their rate; recorded as an OPEN non-blocking PRICING LoanCondition so it lands in the steward's p...
Borrower rate-lock status endpoint (LOCKED/FLOATING)
GET /mortgage-apps/{uid}/rate-lock (party-gated) → the loan's SAFE lock posture: LOCKED (rate + expiry) when an active, non-expired commitment exists, else FLOA...
Steward rate-lock proxy — lock-decision + commit an eligible result
MlosCapitalMarketsController gains POST /lock-decision (preview) and POST /locks (commit) via MlosCapitalMarketsClient; the commit is a deliberate HUMAN steward...
Borrower e-signature surface — real native sign links, no stub
GET **************** (party-gated) lists the loan's real KAMO_NATIVE disclosure/closing envelopes + recipient status via ESigService; POST **************** mint...
WS3 vendor-order proxy — steward places/reads third-party orders
Add MlosVendorClient (X-Internal-Auth → MLOSVendorService /api/vendor) + mlos.vendor.url config, and app-scoped endpoints: GET /{uid}/vendor-orders (operator vi...
Borrower-safe my-conditions projection for the portal conditions view
GET /{uid}/my-conditions (party- or operator-gated) returns a narrow BorrowerConditionView **************** — never the internal actor/notes fields the steward ...
Per-borrower section GET endpoints to hydrate the capture UIs
Add listPerBorrower (requireView, party-gated) + GET list endpoints for **************** returning {rows:[...]}. These back the new URLA borrower capture sectio...
Full credit-vendor abstraction + real reseller adapters
Production tri-merge credit rail. The abstraction now passes the FULL 9-digit SSN (decrypted at order time from the borrower's encrypted record) + co-borrower f...
Borrower clear-to-close proxy
GET **************** — party-gated; resolves loanFileUid from the app and relays MLOSDocService's clear-to-close readiness.
Steward-triggered agency-AUS run proxy
Adds POST **************** — the steward "Run AUS" trigger the read-only underwriting console lacked. Gated on operator (GD); the organizationId and acting memb...
Stamp document own-date to freshness clock (WS1 activation)
After vision extraction, propagate the document's own effective date (asset.statementPeriodEnd for bank/broker/retirement, employment.payPeriodEnd for paystubs)...
Software logo upload types + config.json bake
- uploadLogo: explicit object-key switch **************** with rejecting default so a software upload can never clobber the company logo.svg - copyFolder: pre...
Expose per-org primaryColor + logo URLs on /my-networks
Each org row now carries primaryColor (Organization.colors.colorPri, '#'-prefixed to match config.json) and derived logoUrl/logoSimpleUrl (theme.<domain>/public...
POST **************** — gate Mobile Copilot QR
Verifies the caller's own password (passwordEncoder.matches against their session's user) without changing anything. Used by the mobile-access-otk BFF route so ...
Device-token SSO **************** stream tokens, X-*** header parity
- DeviceAuthController: durable device credential per (user, device) with rotate-on-exchange + 60s grace; /device/exchange mints a per-org *** via PostAuth*...
Cache closed-loan docs across passes; retire on solve/exhaust
The trainer now refines a loan over multiple passes instead of one-and-done: - TrainingDocStore is a PERSISTENT, deterministically-keyed cache (key = hash of...
Harden closed-loan trainer — concurrency, idempotency, limits
- Concurrency: in-process activeOrgs guard + the DB claim() so this instance never double-walks an org and two replicas can't overlap; a run whose heartbeat...
Closed-loan auto-trainer + platform control endpoints
A closed loan is ground truth: its MeridianLink metadata is the answer key, its documents are the input. ClosedLoanTrainerService walks each MeridianLink org's ...
DOC_REJECTED email carries the plain-language reason
Both reject paths now pass **************** to the borrower's rejection email instead of the raw enum literal.
Platform QC queue + review endpoints (top-level owners)
system-config gains a cross-tenant extraction review queue + confirm/correct/reject, gated to top-level owners — the central labeling surface for the shared mod...
Platform extraction config + cross-org corpus/accuracy/export
system-config GET/PUT now carries extractionAutoApplyConfidence + extractionModelId and reports the platform-wide corpus size + per-doc-type accuracy; adds a cr...
QC endpoints + confidence-gated extraction + gift/tax reads
- QcController (/api/security/mlos/qc, LOS_VIEW_PIPELINE): review queue, review action (confirm/correct/reject), NDJSON training-data export, per-doc-type a...
Extract benefit/award income (SSA, pension, child support)
Adds extraction prompts for SSA_AWARD / PENSION / CHILD_SUP (AI reads the gross monthly amount + a label), and stamps the OtherIncomeSource id deterministically...
Auto-classify uploads to catch wrong-document uploads
A cheap LIGHT-tier "what is this document?" pass on the first page classifies the upload into a coarse family and compares it to the requirement's asserted type...
Extract 12-month bank statements + written VOE
Widens vision extraction to two more borrower doc types that reuse the existing reconciliation vocabulary (zero reconciliation risk): BANK12MO reads as an asset...
Multi-page PDF document extraction (Phase 2)
The vision path was image-URL only, so a borrower's multi-page PDF (bank statement, tax return) couldn't be read. Now: - VaultDocPublicController serves ?page=...
Optional ?phone= reverse lookup on GET /api/security/leads
The softphone CRM tab resolves an active caller number to a lead. Add an optional phone RequestParam that filters the org lead list by canonical (last-10-digit)...
A different preferred name forks a new lead
A genuinely different preferred name (compared case-insensitively with outer spacing trimmed) is a different person, so create a brand-new lead instead of renam...
Expose assigned-LO member id + phone for direct chat + presence
The merged LO/chat widget needs to (a) target the assigned officer directly in the borrower's live-support session and (b) query the officer's live presence. Bo...
Assign a loan officer to a NAME-ONLY lead (before email/phone)
The borrower portal already creates the lead the instant a name is given, but enterAssignmentPoolIfActionable kept a name-only lead OUT of the credit accept poo...
Expose full geo fields + city-scene profile API
- geoip/me now returns **************** (already loaded by the single block+location lookup, previously discarded) — powers city scenes and client personali...
E-consent with WRITTEN ESIGN Act text + the real credit-bureau adapter rail — no owner input required
E-CONSENT: full ESIGN Act §101(c) disclosure authored in-code (scope of consent, right to paper copies, right to withdraw + effect, contact upkeep, hardware/sof...
Account bridge — email check, existing-user sign-in provisioning, portal registration
Owner flow: after the funnel captures full name + contact, the next step keys on EMAIL. /portal/account/check → exists?; /prepare-signin verifies the password t...
Closing eSign through the NATIVE engine — envelopes actually send now
Recording a disclosure e-sign envelope was v1 metadata-only. Now, when the tenant's ESIGN vendor rail resolves to KAMO_NATIVE (per-market integrations config — ...
Leads-first resume rail — signed magic links, contact recovery, lead snapshot
- PortalResumeService: 30-day HMAC token (PRESUME|guid|orgId|exp, keyed off the cluster internal.auth.secret — no new secret); mails RESUME_PORTAL_LINK. - POS...
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