Housing / Mortgage AI Reliability Snapshot

One AI system. Three days.
Fair Housing + CFPB readiness on a single page.

For mortgage lenders (bank + non-bank), AVM providers, tenant-screening platforms, and PropTech using AI in underwriting, valuation, or applicant scoring. Fair Housing Act + ECOA + HMDA + CFPB Circular 2022-03 + FHFA AB 2021-01 disparate-impact defensibility signal. Fixed $499, delivered as PDF via email within three business days.

$499/ 3-day turnaround
Buy the snapshot — $499
Direct-buy Stripe. No scope call required. Sub-corporate-card threshold.

See a sample Snapshot first

Before you spend $499, see exactly what you'll receive. Full sample $499 Snapshot report (synthetic-data example scenario) with all 8 sections, 3 charts, counterparty-question rehearsal, and signed determination:

See sample — free

The Fair Housing Act + CFPB question your AI can't answer

CFPB supervisory exams, DOJ fair-lending referrals, HUD complaint investigations, and state banking-department examinations now scrutinize AI-driven mortgage + valuation decisions. Class-action precedent (SunTrust, Wells Fargo, Countrywide) sets exposure range $50M-$500M+. Question:

“Reproduce this AI-generated mortgage-underwriting decision from [date] including applicant's stated purpose, credit-bureau snapshot at decision-time, property valuation methodology, model version, underwriting-risk-score, and lane routed — as a defensible record we can produce for CFPB supervisory examination, DOJ fair-lending referral, HUD complaint response, state banking-department examination, or class-cert opposition.”

Most lenders + AVM providers cannot reproduce AI-driven decisions with adverse-action-notice-reconstruction precision. That gap is where CFPB / DOJ / HUD enforcement and adverse-impact class actions compound.

Vertical scope

AI Surfaces In Scope

  • Mortgage-underwriting AI (conventional / FHA / VA / jumbo)
  • Automated valuation models (AVM)
  • Tenant-screening decisioning AI
  • Property-condition assessment AI
  • HELOC + home-equity underwriting AI

Regulatory + Litigation Exposure

  • CFPB supervisory examination
  • DOJ fair-lending referral
  • HUD Fair Housing Act complaint
  • State banking-department examination
  • Adverse-impact plaintiff class action ($50M-$500M+)

What you get

Snapshot Report (1 page PDF)

  • Category A / B / C determination on the AI system
  • The-one-number: reproducibility-gap decision count
  • FHA + ECOA + HMDA + CFPB Circular 2022-03 citations
  • Three specific fix-first items scoped to your surface
  • Sample sensor output + adverse-action reason-code rehearsal

What it isn't

  • Full 8-layer AIC attestation (Enterprise at $35-55K)
  • Fair-lending statistical class-cert expert (separate)
  • CFPB examination remediation (advisory only)
  • Live re-audit or ongoing monitoring
  • Bespoke customization beyond snapshot template

How it works

1
Buy $499
Stripe direct, 60 sec
2
Intake form
5 fields + CSV upload
3
Analysis
Sensor runs 24-48 hr
4
PDF delivered
Day 3 via email

$499. Three business days. One signal your Chief Compliance Officer + General Counsel can act on.

If snapshot surfaces material Fair Housing / CFPB / class-action exposure, upgrade path is $2,500 Baseline Audit (5 days), $15K Full Diagnostic (2-3 weeks), or $35-55K Enterprise Attestation (regulator-facing signed statement). Snapshot credit applies to upgrade within 30 days.

$499 — buy now
Independent-verifier attestation. Not a legal / regulatory opinion. Scope limited to snapshot data submitted. Kept confidential under NDA on request. E&O carrier notified at Enterprise-tier engagement kickoff.