Commitment boardedAt + loan-funded event type (loan-sale desk)
- MlosCommitment.boardedAt: in-system marker for a PURCHASED commitment's loans boarded to servicing (the external servicing-system handoff is the blocked leg...
Commitment/loan-sale desk entities (runtime consumer for the shipped investor config)
Slice 2 foundation for the capital-markets loan-sale desk (doc 08) — the terminal origination stage. The shipped **************** had NO runtime consumer; these...
Durable consumer forwards eClose completion to the loan-file pipeline
The DaemonService half of the eClose -> loan-file status seam. New MlosClosingCompletedConsumer subscribes **************** (durable daemon-mlos-closing-complet...
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_...
ClosingArtifact provenance = one-time null->value stamp (enables after-commit eClose dispatch)
Splits the ClosingArtifact @PreUpdate WORM guard so the eClose vendor dispatch can move OUT of the assemble/advance transaction (doc 05 §6): the node commits FI...
Per-loan lock recommendation on the lock desk
Surfaces the RCE lock-vs-wait recommendation (Lock / Lock-with-steward-override / Do-not-lock) with rationale + a 'model uncalibrated -> steward decides' note w...
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...
EClose vendor categories on the integrations tab (RON/eNote/eVault/MERS)
Surfaces the four notarized-leg categories with their vendor options (Proof/ DocuSign Notary, DocMagic/Snapdocs, eOriginal/DocMagic, MERS eRegistry/DocMagic) so...
EClose vendor categories (RON/ENOTE/EVAULT/MERS) + artifact-by-externalRef finder
- VendorCategory gains the four notarized-leg rails so the integrations tab can configure a per-org RON/eNote/eVault/MERS vendor (additive STRING enum, no CHE...
Steward audit/write surfaces — signed-doc download, delegation chips, vendor event timeline, AUS waiver/validation, non-QM stipulations, eligible-investor board, funding histogram, closing audit trail, catalog provenance, composer catalog
Residual-sweep UI: executed-PDF Download + delegation display + vendor-order event timeline; Offer-waiver/Record-validation actions on the AUS drawer; non-QM de...
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...
Internal signed-document download + recipient delegation fields
- GET **************** streams the executed (flattened) PDF for an org-owned envelope (404 until fully signed). - RecipientSummary carries **************** ...
Product picker for the non-QM run trigger
Replaces the plain productId input with a product selector populated from the org's active catalog (non-QM products first, NON-QM chip), falling back to the pla...
Proxy the org product catalog for the run-trigger picker
GET **************** (operator+org gated; org-scoped by the downstream query, passthrough) → MLOSPricingService product list.
Disclosure void/sync/resend UI, workflow-template authoring, non-QM run, non-doc vendor orders, in-place config edit
Steward console UI for the remaining audited gaps: - #3/#8/#12/#17 DisclosuresSection: Void live native envelopes; 'Refresh status' hydrates per-recipient sta...
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...
Surface recipient decoder reason + internal resend endpoint
- RecipientSummary now carries decoderReason + decoderdAt (persisted by the decoder ceremony but previously omitted from every projection), so a compliance-...
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...
Lock lookup by loan file (join through scenario)
**************** — locks key on scenario, so resolve a loan's locks via MlosLoanScenario.loanFileUid. Backs the borrower/steward 'is this loan rate-locked?' rea...
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...
Internal mint-sign-link primitive for first-party signing surfaces
POST **************** re-mints a recipient's access token and RETURNS the signing deep-link (no invite-email round-trip), so the MLOS borrower portal can hand a...
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...
Borrower section read methods for other-income/expense/REO/gift capture
The per-borrower repeating sections were write-only; add read projections **************** so the borrower capture UIs can hydrate existing rows via GET endpoin...
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.
Accept X-***-Token for mobile clients in OTKPreAuthFilter
per-tab session id as X-***-Token (matching **************** When present (and no X-OTK), resolve the session non-consumingly and set the same request attribute...
Route /api/email + /api/support through the api host
(EmailService) and Support (MediaService, same upstream as /api/media) were unrouted → 404. Add both forwards and fix email.service.url from a localhost default...
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...
Self-hosted expo-updates headers for Mobile Copilot OTA
expo-protocol-version:1 + expo-sfv-version:0 response headers that the expo-updates client requires and static MinIO cannot emit. Longer path prefix wins over t...
VendorOrder + VendorOrderEvent entities for WS3 vendor-order spine
The greenfield 3rd-party order-of-record **************** SCRA). VendorOrder = partial-WORM async order (ClosingArtifact idiom: opaque vendorKey/externalRef, fr...
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)...
MortgageAmortization — monthly P&I from loan terms (WS6 support)
The one PITI component not stored on the loan. Standard fully-amortizing formula P·r·(1+r)^n/((1+r)^n−1); zero rate degrades to straight-line; non-positive prin...
ClosingReadinessEvaluator — loan-level clear-to-close gate
Rolls a loan's obligations up to the funding question the end-to-end gap analysis raised ("service the loan all the way to funding"): clear-to-close iff zero ad...
QualifyingRatioEngine — the reproducible dti keystone (WS6)
Composes the four cores (income, liabilities, PITI/DTI, reserves) into ONE QualifyingSnapshot: qualifying income, reconciled monthly debt, assembled PITIA, fron...
ReservesCalculator — eligible-asset haircuts → PITIA months (WS6)
Derives reserve months from actual assets with standard agency haircuts — liquid deposits 100%, brokerage 70%, vested retirement 60%, gift/borrowed excluded — d...
PitiDtiCalculator — PITI assembly + front/back DTI (WS6)
Pure ratio core completing the DTI trio with LiabilityReconciler + the income core: PITIA = P&I + taxes + HOI + HOA + MI + flood; front = PITIA / income; back =...
QualifyingIncomeCalculator — base + variable core (WS5)
Pure/deterministic income core: base salaried = conservative lowest-of available evidence (paystub / W-2 / VOE); variable = 2-yr average with a declining-income...
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