Close and review loans without the manual churn

The Manual Work That Slows the Back Half of Every Loan

After the credit decision, loans slow down again — but for different reasons. Condition tracking happens in spreadsheets and email threads. Closing packages arrive as large, unsorted PDFs that someone must manually split, label, and stack. Signatures, notary completeness, and dates are verified page by page. Post-close QC is a full second review of a file that was already reviewed twice.

The result is expensive and avoidable: higher cost per closed loan, slower investor delivery, and QC findings that should have been caught before closing.

What MOS Automates

Closing packages arrive and are immediately prepared

Executed loan packages flow into the system from the LOS as they normally would. MOS immediately begins preparing the file — splitting large closing package PDFs into individual documents, indexing and versioning each one, and stacking them into the correct file structure. Analysts no longer spend time manually organizing packages before they can begin review.

Documents are split, stacked, and indexed automatically

Large closing package PDFs are automatically separated into individual documents. Each document is indexed and versioned so analysts can quickly locate what they need without manually splitting, labeling, or stacking the package. The structured file is ready for validation before a human has touched it.

Validation surfaces only the exceptions that need human judgment

MOS continuously checks signatures, dates, document presence, and key data against post-close rules and investor requirements. Instead of reviewing the entire file, analysts receive a clear, structured list of exceptions — signature completeness, missing documents, incorrect dates, notary issues — while routine validations run automatically in the background. 4× post-close productivity, consistently.

Why Lenders Choose MOS for Post-Close

• 4× post-close productivity — analysts handle exceptions, not the full file
• Fewer audit findings — issues caught before investor delivery, not after
• Faster investor delivery — audit-ready files prepared automatically as packages arrive
• Lower cost per closed loan — less manual review, less rework, fewer buy-backs

Integrating via the MOS API

The Processing, Closing & Post-Close workflow is accessible through the MOS API. Submit closing packages and loan condition data; receive structured validation outputs, exception lists, and audit-ready results. Key capabilities exposed via the API include:

• Package upload — submit closing packages as PDFs or document collections; MOS splits, indexes, and versions on receipt
• Split and index results — retrieve individual document metadata, type classifications, and file structure after splitting
• Condition resources and status changes — manage loan conditions programmatically; receive structured updates as conditions are matched, cleared, or escalated
• Document-to-condition matching — automated matching of documents to open conditions, with match confidence and exception details
• Signature and date validation outputs — structured results for every signature, notary, and date check run against post-close rules
• Missing document checks — structured list of expected documents not found in the package, with rule references
• Audit output — investor-ready audit trail including validation results, exception disposition, and processing timestamps
• Delivery status — real-time status of file preparation and investor delivery readiness
• Workflow events and webhooks — subscribe to condition changes, package completion, and exception escalation events

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.