Start every loan with a clean, trusted file

What Slows Loans Down Before Decisioning Can Start

Documents arrive mislabeled, incomplete, or missing entirely. Data is inconsistent between documents and the LOS. Teams spend hours re-checking the same fields, and missing documents surface late — after underwriting has already started.

The result is a loan file that arrives at decisioning already behind. Every manual touch at setup compounds downstream — more rework, more handoffs, higher cost per loan.

What MOS Automates

Documents arrive and are immediately structured

As borrower, broker, and third-party documents land in the LOS, MOS continuously classifies, indexes, versions, and organizes them — without manual stacking or labeling. Instead of processors splitting large PDFs or renaming files, the loan file is structured correctly from the start, creating a clean, auditable foundation for the rest of the manufacturing process.

Data is extracted and validated at human-level accuracy

MOS extracts critical data from documents and immediately validates it against the LOS and other source documents for consistency and completeness. Confidence scoring, cross-document comparisons, and rule-based checks ensure data is correct by construction — reducing the need for downstream stare-and-compare and preventing inconsistent information from moving into underwriting.

Exceptions are flagged early and routed correctly

When discrepancies, missing data, or rule violations are detected, MOS creates clear, traceable conditions and routes only true exceptions to the appropriate role. By resolving issues at loan setup instead of discovering them later, lenders reduce rework, minimize backtracking, and deliver underwriting-ready files that move faster, with fewer touches and lower cost per loan.

Why Lenders Start Here

• Reduce setup time from days to hours — continuous classification means files are organized the moment documents arrive
• Eliminate offshore document prep — MOS handles splitting, naming, and stacking automatically
• Catch issues before underwriting — exceptions surfaced at intake, not at the decision gate
• Improve pull-through and cycle time — cleaner files move faster with fewer human touchpoints

Integrating via the MOS API

The Loan Setup & Data Quality workflow is accessible through the MOS API. Submit borrower documents and receive structured, validated data in return. Key capabilities exposed via the API include:

• Document intake — submit documents individually or as packages; MOS classifies and indexes on receipt
• Classification and indexing results — retrieve document type, version, confidence score, and file metadata
• Data extraction — structured borrower and loan data extracted from documents with field-level confidence scores
• Exception and condition outputs — rules violations, missing fields, and cross-document discrepancies surfaced as structured conditions
• Status events and webhooks — receive real-time notifications as documents are processed and validated
• LOS writeback — validated data written directly back to your LOS via External Field Mappings

Authentication uses industry-standard token-based auth. All API calls are scoped to your provisioned environment (UAT or Production). See the API catalog for full endpoint reference, request/response schemas, and Postman collection.