# Banking, Mortgage & Credit AI Operations Route Map

Use this map to choose the smallest correct preparation workflow. It is educational guidance, not lending, credit, valuation, financial, legal, regulatory, tax, closing, or investment advice.

## Authority card

```yaml
institution_or_creditor:
federal_and_state_regulators:
consumer_and_collateral_states:
product_purpose_dwelling_status:
role_and_supervisor:
license_registration_or_appointment:
job_to_be_done:
approved_systems:
restricted_data_present:
decision_or_external_action_requested:
qualified_reviewer:
```

## Choose the current route

| Job | Start here | AI-prepared output | Human authority retained |
|---|---|---|---|
| borrower interview, licensed product/term explanation, document follow-up, disclosure milestone preparation, and file coordination | Mortgage Loan Officer AI Workflow | Mortgage File Preparation Desk | licensed solicitation/advice, terms, credit, underwriting, disclosures, adverse action, closing, and funding |
| source-faithful intake, field provenance, document inventory, narrow missing-item drafts, and compliance handoff | Loan Interviewer & Clerk AI Workflow | Loan Application Intake & Document Evidence Desk | MLO, processor, creditor/underwriter, compliance, appraiser, closing, security, and funding authority |
| valuation intake, source control, comparable research preparation, discrepancy checks, and report QA | Real Estate Appraiser AI Workflow | Valuation Evidence Desk | appraiser’s comparable selection, adjustments, reconciliation, opinion, certification, and signature |

## Shared evidence card

```yaml
evidence_id:
supplied_by:
source_and_received_at:
document_or_field_type:
hash_or_restricted_reference:
privacy_class:
state: supplied | source_verified | institution_record | qualified_record | duplicate | conflicting | incomplete | restricted | uncertain
used_for:
human_verified_by:
correction_of:
```

## Shared fair-lending and privacy gate

- Never infer protected characteristics or use proxies for priority, wording, product, terms, service, or route.
- Use consistent approved intake and follow-up rules for comparable situations.
- Segregate monitoring data and access it only under current policy.
- Keep full SSNs, reports, bank credentials, identity documents, and unnecessary NPI out of prompts and approval packets.
- Record consumer-report permissible-purpose/authorization and authorized puller; AI does not execute or interpret the pull.

## Shared authority boundary

AI may prepare source ledgers, field/document inventories, duplicate/conflict flags, approved-template drafts, calculations on supplied values, QA reports, and exact handoffs.

AI may not solicit where regulated, recommend or negotiate product/rate/terms, decide credit/eligibility/conditions/reasons, issue disclosures, influence valuation, conduct fraud investigation, write production systems, close, fund, move money, send, file, deploy, or publish.

## Exact approval packet

Bind the institution/creditor, states, product/purpose, role, verified party, exact decision/action, evidence and source IDs, fair-lending/privacy QA, consumer-report boundary, milestone facts, valuation/closing/security/funding routes, payload/attachment hashes, approver authority, expiry, and correction path.

Terminal state: `approval_ready`. There is no execution control.