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 faida POST /lock-decision (preview) na POST /locks [TD="width: 456"] [FONT=&](2)[/FONT][FONT=&]Bila kuathiri masharti ya kifungu ki...
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...
Mkopeshaji-Salama Mipango yangu kwa mtazamo wa hali ya portal
[TD="width: 456"] [FONT=&](2)[/FONT][FONT=&]Bila kuathiri masharti ya kifungu kidogo (1) cha kifungu hiki, Tume itakuwa na mamlaka ya kuajiri mtaalamu yeyote kw...
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
Mfumo wa Reli ya Reli ya Reli. ← Previous Story UCHAMBUZI WA KITABU CHA THE FULL 9-digit SSN (Imeamuliwa wakati wa utaratibu kutoka kwa rekodi ya mkopaji iliyof...
Akaunti ya wazi
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 hati mwenyewe tarehe kwa freshness saa (WS1 uanzishaji)
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) hatua (kuthibitisha / kurekebisha / kurekebisha), NDJSON mafunzo-data kuuza nje, kwa aina ya doc usahihi...
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=...
Chaguo la simu = kuangalia nyuma kwenye GET / api / usalama / maelekezo
Kichupo cha CRM cha laini hutatua nambari ya simu ya kazi kwa kuongoza. Aliongeza kuwa Maombi ya simu ya hiari ambayo huchuja orodha ya kuongoza ya org na canon...
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...
Daraja la Akaunti - hundi ya barua pepe, usajili wa mtumiaji uliopo, usajili wa portal
Msafiri wa Mmiliki: Baada ya funnel kukamata jina kamili + kuwasiliana, funguo za hatua inayofuata EMAIL./portal/account/check ?;///prepare-signin inathibitisha...
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...
Expose US state/region from GeoLite lookups
GeoLookupResult gains subdivisionCode/subdivisionName (GeoLite2 subdivision_1 = US state incl. DC; territories PR/GU/VI/AS/MP arrive as countryCode with no usab...
Anonymous GET /portal/assigned-lo - Kukubali utambulisho wa LO kwa uongozi wa guid
Inawezesha kadi ya juu ya kulia ya LO wakati LO inakubali Kiongozi (pre-login, kabla ya matumizi): guid header + org jeshi → kuongoza → Kwa mfano, Muhammad Bin ...
'Meet your loan officer' — the borrower hears the moment their lead is accepted
Kwa kukubali (ASSIGNED), barua pepe bora ya MEET YOUR LO kwa mkopaji wa kuongoza wa mikopo: kukubali LO Jina halisi + NMLS + barua pepe + kiungo kinachoendelea....
The lead→application conversion seam — POST /portal/promote
The funnel was a closed loop: nothing ever converted the portal lead into an application (blank mints only — no sourceLead, no seeded fields, no LO inheritance)...
Borrower pricing-quote endpoint — party-gated, integration-config-gated
POST **************** caller must be a loan party (or pipeline steward); resolves the tenant's PRICING_PPE integration — NOT_CONFIGURED / EXTERNAL_VENDOR_PENDIN...
Integrations-status endpoint — the portal's honest view of the org's vendor wiring
GET **************** per-category **************** runtimeVendor from the market integrations config via the runtime resolver. Session-gated; no secrets.
AI vision document extraction — docs → org's vision provider → VerifiedFact(OCR)
The first producer of VerifiedFactSource.OCR: POST **************** reads a vault document (bank **************** ID) with the ORG'S OWN configured vision provi...
ClaimedFactsDTO carries the FULL mortgage lead (35 fields)
Adds the 16 fields the portal structurally couldn't send (monthlyDebts, taxes, insurance, HOA, currentPayment, sellerCredits, renovationCost, borrowerAge, isVet...
Internal LOS apply endpoint for inbound sync
POST **************** {leadUid, provider, loXmlFields} — server-to-server (no session/rights). Constant-time X-Internal-Auth check against the cluster internal-...
Lead create/open LOS application endpoints + market-config MLOS fields
Market LOS connection service/controller
Phase 3 (Tasks 3.1-3.2) of the MeridianLink external-LOS integration: CRUD + Test-Connection for a market's MeridianLink connection. - MarketLosConnectionServi...
Closing-forecast read passthrough (operator-gated, org from session)
Steward passthrough to recompute pipeline-funding P(fund) projections
POST **************** → MlosCapitalMarketsClient (X-Internal-Auth, org stamped from session) → MLOSCapitalMarketsService recompute. Operator-gated like the othe...
Scenario-insights endpoint — LIGHT-tier AI narrative via the org's provider
POST **************** takes a factual (estimated) scenario summary, calls MlosAiClient.text(orgId, prompt, LIGHT) through the org's configured AI provider, retu...
Persist borrower-stated financials + phone onto the mortgage lead
ClaimedFactsDTO gains purchasePrice, downPayment, currentLoanBalance, cashOutAmount and phone; PortalLeadService.applyFacts maps them onto LeadClaimMortgage / t...
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