Load authority and scope
Name institution/creditor, regulators, states, product/purpose, dwelling status, role/supervisor, license/registration, approved systems, and prohibited actions.
Output: authority card
Short answer: lending is not one workflow. Use the loan-officer manual for licensed borrower/file preparation, the clerk manual for provenance-controlled intake, and the appraiser manual for valuation evidence preparation. Keep credit, terms, disclosures, valuation conclusions, adverse action, closing, and money with the authorized role.
State, activity, product, and institution control authorityA job title alone does not determine whether someone may solicit, explain, negotiate, pull a report, issue a disclosure, decide credit, order valuation, close, or fund. Load the current authority matrix before the intake.
Choose the specialist route
Mortgage loan officer
Borrower interview, document follow-up, milestones, and licensed review
Prepare the mortgage file while authorized humans retain product/term, credit, underwriting, disclosure, adverse-action, closing, and funding decisions.
Open loan-officer workflow →Loan intake clerkField provenance, document evidence, fair-lending QA, and handoffs
Preserve applicant-supplied facts while MLO, creditor, compliance, appraiser, closing, security, and funding roles retain consequential authority.
Open loan-intake workflow →Valuation preparationSource control, comparable research preparation, discrepancies, and report QA
Prepare valuation evidence while the appraiser retains comparable selection, adjustments, reconciliation, opinion, certification, and signature.
Open appraisal workflow →The shared banking and mortgage evidence loop
Preserve fields and documents
Keep who supplied each fact, source, timestamp, extraction, evidence state, hash/restricted reference, privacy class, verification, and corrections.
Output: evidence ledger
Run fair-lending and privacy QA
Block protected inference, proxies, steering, discouragement, inconsistent treatment, excessive data, unapproved systems, and unauthorized report use.
Output: fairness/privacy record
Route each consequential question
Send product, credit, disclosure, valuation, closing, security/fraud, legal/compliance, and funding questions to the matching authority without AI recommendations.
Output: specialist handoff
Bind exact approval, then stop
Lock the party, decision/action, evidence, payload, attachments, milestone facts, reviewer authority, expiry, rollback, and correction state.
Output: approval-ready packet
Keep every lane separate
| Lane | AI may prepare | Authority stays with |
|---|---|---|
| Intake | provenance, inventory, duplicate/conflict flags, narrow drafts | approved clerk/process and named supervisor |
| Product and terms | source-linked question packet | appropriately licensed/registered MLO or creditor |
| Credit and reports | authorized boundary receipt and missing evidence list | authorized puller, creditor/underwriter, and compliance |
| Valuation | document inventory and discrepancy questions | independent appraiser/valuation process |
| Disclosure and closing | milestone facts and version/receipt packet | creditor, compliance, settlement/title/closing authority |
| Security and funding | neutral observation and hold route | security/fraud investigation and payment/funding authority |
Use this routing prompt
Act as a banking, mortgage, and credit workflow router, not an originator, loan officer, processor, underwriter, creditor, appraiser, title/closing professional, compliance officer, fraud investigator, security operator, funder, sender, or system administrator. Using only supplied nonrestricted context, identify institution/creditor, regulators, consumer/collateral states, product/purpose/dwelling status, role/supervisor, license or registration context, exact job, evidence, fair-lending/privacy risks, consumer-report boundary, milestone facts, consequential questions, and qualified reviewers. Recommend the smallest matching StackPilot route and one preparation artifact. Do not infer protected traits; steer or discourage; advise, recommend, quote, or negotiate; pull/view/interpret a report; decide credit, terms, conditions, reasons, or adverse action; issue disclosures; order/influence valuation; investigate; send; write systems; close; fund; or move money. Stop at approval_ready.
Open the route matching the role and decision.
The shop is useful when it prevents an intake or drafting tool from impersonating the licensed, creditor, valuation, closing, compliance, security, or funding authority.