01Internal
< 4 min
Full assessment benchmark
Document processing, extraction review and policy calculations in the current product workflow.
Product dossier / 02
Financial services · Mind Frontier product
Credi / Mortgage intelligence
From document stack to a traceable borrowing assessment.
Credi is Mind Frontier's mortgage intelligence product. It converts borrower documents into structured financial data, applies lender-specific serviceability logic and exposes the evidence behind every result.
Primary user
Mortgage broker
Core input
Borrower documents
Decision layer
Lender policy models
Core output
Traceable assessment
01 / Product thesis
A borrowing figure is not enough. The basis must travel with it.
Mortgage assessment is a document problem, a policy problem and a trust problem at the same time. Credi joins those layers so speed does not come at the expense of reviewability.
The design constraint
Faster calculations create value only when a broker can inspect the source, policy and exceptions behind the answer.
Speed × policy fidelity × auditability
01
Documents arrive before decisions can begin
Payslips, statements and identity records must become structured financial inputs before a broker can assess a scenario.
02
Every lender applies different policy logic
A useful assessment must preserve each lender's buffers, thresholds and servicing rules instead of relying on a generic formula.
03
Automation still needs verification gates
Low-confidence extraction, suspicious documents and incomplete evidence must be visible before a figure reaches submission.
04
Every number needs a basis
A borrowing estimate is only useful when the broker can trace it back to source documents and the policy that produced it.
02 / Product evidence
The interface shows the result and the reason.
Credi gives the broker a single assessment surface for capacity, assessable income, monthly surplus, policy coverage and document risk. Figures that need confirmation are visibly stopped at the review layer.
Product identity
Representative product interface
03 / Workflow
One controlled path from source document to broker decision.
Each stage produces a persistent record for the next. The workflow can accelerate routine evidence while routing uncertainty back to a human review gate.
01
Intake
Secure document collection
Borrower files enter a deal-specific vault with a persistent record of the source.
02
Extract
Financial data becomes structured
The platform identifies income, liabilities, expenses and supporting evidence.
03
Verify
Exceptions stop at a review gate
Confidence and integrity signals direct the broker to figures that require attention.
04
Calculate
Lender policies execute independently
Each model calculates capacity using its own rules, buffers and assessment rate.
05
Decide
A traceable assessment is produced
The broker receives lender fit, capacity, basis and the next review action in one view.
A changed document or corrected figure can be reprocessed without losing the assessment history that came before it.
Persistent deal state
04 / System architecture
Four layers. One traceable decision path.
The architecture separates source handling, extraction intelligence, lender policy execution and decision output. Each layer can evolve without collapsing the audit trail between them.
/L1
Document intake
Broker and client portal
Secure uploadVault linksDocument types
/L2
Extraction intelligence
AI parsing layer
Data extractionIntegrity signalsConfidence score
/L3
Serviceability engine
Calculation core
Policy logicLender fitBorrowing capacity
/L4
Decision output
Results and workflow
Assessment basisBroker reviewDeal history
05 / Internal benchmarks
Performance measured inside the product.
These figures describe Credi's current internal product benchmarks. They are not presented as customer outcomes.
02Internal
12+
Lender policies modelled
Serviceability logic remains policy-specific, reviewable and independently maintainable.
03Internal
99%
Extraction accuracy benchmark
Measured internal benchmark for supported fields and document types in the product test set.
Operator-built
We build products under the same constraints as the systems we deliver.
Credi forces every design decision through real product concerns: source quality, security boundaries, changing policy logic, exception handling and an interface a domain expert can trust.
Discuss mortgage intelligence