Industries · Mortgage Lending

Prove every mortgage decision was fair — underwriting, pricing, and valuation.

EVE CoreGuard enforces your mortgage policy — Fair Housing Act, ECOA / Reg B, FCRA, HMDA, SR 11-7, and the interagency AVM Quality Control Standards — on each AI-assisted decision before it reaches a borrower, and signs a replayable record a regulator can verify offline.

Policy decision in <1ms  ·  Signed, hash-chained record  ·  Offline-replayable for examiners
Book a 30-Minute Review See it block a violation
Enforces against Fair Housing Act ECOA / Reg B FCRA HMDA AVM QC Standards SR 11-7
The exam question

AI now touches underwriting, pricing, and the appraisal — each one is a fair-lending surface.

Mortgage decisioning runs on models: credit and capacity in underwriting, risk-based pricing, and automated valuation (AVMs) for the collateral. Every one of those can shift outcomes for a protected class, and every one is now in scope for examiners. The question isn’t whether your models are good — it’s whether you can prove each decision stayed inside the Fair Housing Act and ECOA.

AVM QC Standards · FIRREA §1125

Automated valuation controls

The 2024 interagency AVM rule requires controls against data manipulation, conflicts of interest, and discrimination. A policy document alone doesn’t prove the control fired on a given valuation.

Fair Housing Act · ECOA

Disparate impact in pricing

Risk-based pricing models can produce disparities across protected classes. Without pre-promotion testing and a record, the first signal is often a HMDA-driven inquiry.

ECOA · Reg B · FCRA

Adverse-action on denials

A mortgage denial that lacks the specific principal reasons Reg B and FCRA require is a violation per notice — and an AI-assisted pipeline can produce them at volume.

HMDA · SR 11-7

Data integrity & model risk

HMDA reporting and SR 11-7 both depend on consistent, explainable, auditable decisions. Probabilistic outputs that drift with model version undermine both.

What EVE CoreGuard does

A control point on every model decision — underwriting, pricing, and valuation.

CoreGuard governs each AI-assisted mortgage decision against your policy pack and returns ALLOW, BLOCK, or MODIFY before the output is finalized — then writes a cryptographically signed record of exactly which rule fired and why.

1

Enforce policy before the decision is final

Deterministic rules for Fair Housing, ECOA / Reg B, FCRA, and the AVM QC standards. The same input always produces the same governance decision — not a probabilistic guess.

2

Govern AVM-assisted valuations

Apply the AVM Quality Control Standards as an enforced control point: flag out-of-policy valuations and record the check, so each valuation carries evidence the standard was applied — not just asserted.

3

Gate every model update through the Model Update Firewall

Each underwriting, pricing, or AVM model change is simulated against your fair-lending rules and blocked before promotion if it introduces disparate impact. See the EVE Model Update Firewall →

4

Hand the examiner a record they can verify themselves

Every decision becomes a signed, hash-chained evidence record (Ed25519 in production). Re-hash and re-verify it offline with the public key — no EVE service required. Verify a record →

governed decision · signed evidence record ✓ VERIFIED
decision_idDEC-01188
policymortgage_v1 · Fair Housing / Reg B
verdictBLOCK — adverse-action reasons required
content_hashsha256:9af71c0b…42d8e7a51
signatureed25519:1c0d93af…e7740b9c2
Sample record · re-hash + Ed25519 re-verify, no EVE service required Verify a record offline →
The economics

One prevented fair-lending event pays for years of governance.

The price tag on a single mortgage-governance failure dwarfs the cost of the control that prevents it.

Governance failureIllustrative costWhat drives the number
Redlining or fair-lending settlementFair Housing Act / ECOA
$2M–$30M+
Public DOJ / CFPB redlining consent orders pair a civil penalty with a loan-subsidy / remediation fund.
Adverse-action notice failuresECOA / Reg B · FCRA
$100K–$1M+
FCRA statutory damages run $100–$1,000 per affected consumer (15 U.S.C. §1681n) and scale with class size.
Failed exam → MRA remediationCompliance / safety-and-soundness finding
$500K–$2M+
Lookback review, outside consultants, and added control staffing to clear a Matter Requiring Attention.

Illustrative ranges drawn from public regulatory penalty caps, published enforcement actions, and statutory damages — not EVE customer results. Model your own exposure with the ROI calculator. EVE CoreGuard’s Enforcement license is $150,000/year.

Deployment

Your borrower data never leaves your tenant.

CoreGuard runs as SaaS, in your VPC, or fully on-prem. The governance decision and the signed record are produced inside your boundary — nothing about a borrower is sent to EVE to make a decision. See deployment models →

SaaS

Fastest start. Decisions and signed records produced in an isolated tenant.

VPC / Private

Runs inside your cloud account, under your network and key controls.

On-prem

Air-gap-friendly for institutions that keep loan origination systems in-house.

Examiner access

Issue scoped, time-boxed evidence links so an examiner can verify records directly.

Questions buyers ask

Mortgage AI governance, answered plainly.

No. Your underwriting, pricing, and valuation models make the decision. CoreGuard governs each one against your mortgage policy pack before the output is finalized, returns ALLOW / BLOCK / MODIFY, and produces a signed evidence record. It is a governance and evidence layer, not an underwriting or valuation model.
The interagency Quality Control Standards for Automated Valuation Models (finalized 2024 under FIRREA §1125) require institutions to adopt policies that protect against data manipulation, avoid conflicts of interest, support testing, and comply with nondiscrimination laws. CoreGuard provides a deterministic control point and a signed record for AVM-assisted valuation decisions, so the policies you adopt are enforced and evidenced on each decision rather than asserted in a document.
Reg B (12 CFR 1002.9) and FCRA require specific principal reasons for a denial. CoreGuard can block a denial that lacks the required reason codes and record the reasons that were present in the signed evidence — so the notice and the record stay consistent and traceable to the rule that fired.
Yes. Each record carries a content hash and a cryptographic signature (Ed25519 in production). An examiner can re-hash and re-verify the record offline with the public key, with no access to EVE’s service. Verification proves the record was not altered after the decision was made.
Engagements start with a $37,500 design-partner pilot, scoped to a single mortgage workflow (underwriting, pricing, or valuation), with the pilot fee credited toward an annual license. The Enforcement license is $150,000/year. See the pricing page for current tiers.

Bring one mortgage workflow under deterministic governance.

A 60-day design-partner pilot puts CoreGuard in front of a single decision flow — underwriting, pricing, or valuation — produces signed evidence on real decisions, and credits the pilot fee toward your license.

Start a design-partner pilot Banking & Lending →
Built by a lending-technology founder. 90 U.S. patent applications filed.