Housing / Mortgage Vertical -- Sample Snapshot Hub

Mortgage-Underwriting AI failed silently. This is the $499 Snapshot that found it.

Casual-glance overview here. Every deeper claim is a click away: full sample report, each cited regulation, every chart, every finding — and "how does this help me?" companion pages for each.

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The 4-number quick verdict

Determination

Category C

High-severity drift events

H3 decline / non-QM rate

14% → 61%

Days to detect (silent)

45+

What does Category C actually mean? →

What happened in one paragraph

A mid-market mortgage lender's AI underwriting classifier silently over-routed Group H3 (age 30-50, near-prime credit, majority-minority zip) into the decline / non-QM lane. Origination dashboards, aggregate approval rates, and loan-loss ratios all stayed green. The differential was visible only through per-group distributional-shape analysis by an independent verifier. Under the Fair Housing Act and ECOA, every affected decision is now inside disparate-impact review reach.

Read the full scenario walkthrough →

The three charts (each linked to its own deep-dive)

Chart 1 · Deep dive Rolling mean by applicant group Where the silent H3 divergence begins. What the eye sees vs what the origination dashboard reported. Chart 2 · Deep dive Baseline vs recent distribution H3 mass moved RIGHT (into the decline / non-QM lane). How to read the shape shift. Chart 3 · Deep dive Lane rate per applicant group H3 decline / non-QM rate rose sharply while other groups stayed stable. The exact pattern regulators look for.

Regulations applied — each on its own page

Every cited framework has a dedicated subpage with the actual regulatory text, plain-English translation, what the Snapshot shows against it, and a "how does this help me?" benefit companion.

Regulation Fair Housing Act (42 USC 3601) + HUD 24 CFR 100.500 Disparate-impact in AI-driven lending decisions. The rule the H3 differential triggers. Regulation ECOA + Regulation B (15 USC 1691 / 12 CFR 1002) Equal Credit Opportunity Act. Adverse-action notice + protected-class analysis for AI underwriting. Regulation HMDA (12 USC 2801) Home Mortgage Disclosure Act. AI-decision reporting + LAR reproducibility 2026. Regulation CFPB Circulars 2022-03 + 2023-03 Adverse-action reason-code accuracy + AI-marketing UDAAP standard. Regulation FCRA (15 USC 1681) Fair Credit Reporting Act. Adverse-action notice + accuracy duties for AI-scored files. Regulation SR 11-7 + OCC 2011-12 (Model Risk Management) Federal Reserve + OCC model-risk-management supervisory guidance. Documentation obligations. Regulation FHFA Advisory Bulletin AB 2021-01 Enterprise AI/ML Standards. Fannie / Freddie counterparty stance for AI-scored loans. Regulation Dodd-Frank ATR/QM (Sec 1400-1500) Ability-to-Repay + Qualified Mortgage Rule. Reason-code + underwriting-decision defensibility. Regulation State licensed-lender AI-decisioning laws CA, NY, MA, CO, IL active 2025-2026. State banking-department examination stance. Regulation FTC Section 5 Unfair / deceptive practices. Non-bank lender (IMB) enforcement authority. Regulation (shared) NIST AI RMF 1.0 GOVERN / MAP / MEASURE / MANAGE. Voluntary but load-bearing baseline.

Findings + methodology deep dives

Methodology How Category C is derived Category A / B / C decision logic. Why 10 high-severity events land the sample on C. Methodology Counterparty-question rehearsal The 5-decision reproducibility drill your GC / compliance counsel will thank you for. Methodology Independent-verifier declaration Why the control plane cannot reside within the entity being regulated.

The full records

Full Snapshot Report (markdown) Executive One-Pager (markdown) Long-form single-page view

$499. Three business days. Your lender's actual Snapshot.

Same structure as this sample. Your lender's data, your AI system, your state / charter footprint, your regulatory citations. Below procurement threshold. Report PDF via email.

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