What we'd build · Mortgage & Title
MortgageTitleZoid
Origination, underwriting, and closing in a single workspace — TRID-clean by default.
Loans in flight
214
+18 this week
Avg. cycle time
28 d
▼ 4d quarter-to-date
Pull-through
82%
App → close
TRID exceptions
3
Disclosure timing
Loan pipeline — by stage
Application42
Patel · 30-yr conv.
Okafor · FHA 30
Brennan · jumbo
Processing67
Chen-Aiken · refi
Ramirez · purchase
Underwriting58
Westbrook · purchase
Yoshida · purchase
Closing47
Halloran · purchase
Singh-Park · refi
Tap any tile to dive into the underwriting view.
Continue to underwriting →
UW review · Westbrook · purchase $498,000
79.8% · within guideline
36 / 42 · within guideline
748 mid · 24mo clean
Conditions
VVOE within 10 days of note date Pending
Updated HOI declarations with required loss-payee Pending
Source of large deposit — gift letter executed Cleared
Appraisal · CU score 1.2 · no overrides Cleared
Conditions auto-route to processor & LO with SLAs and reminders.
Continue to closing →
Closing prep · Halloran · 5/2 sign date
$420,000.00
$24,718.55
Cedar Coast Title · file CCT-44081
Maya Lindgren · NMLS 1187420
TRID timing checks
LE delivered within 3 business days of application Clean
CD received ≥ 3 business days before consummation Clean
Tolerance check across LE → CD No cure required
Post-close: 3-day right of rescission (if applicable) Tracked
From application to e-recording, every artifact is timestamped and audit-ready.
Continue to title →
Title commitment · file CCT-44081 · Halloran property
418 Bayview Pl, Cedar Coast, MA · Lot 14 · Plan 1872
Eleanor & Patrick Halloran · TBE
60 yr · back to deed Bk 8412 / Pg 184
First Cardinal Title Ins.
Schedule B — exceptions
Existing mortgage · Cedar Bank · Bk 12184/Pg 412 · payoff requested Will release
Easement · utility · 10ft along east lot line Recorded · standard
Mechanics lien · Coastal Builders · Apr 2024 · $14,200 Discharge needed
Restrictions · subdivision plan · 1962 No violation
Real estate taxes · Q2 2026 · not yet due Standard
Survey matters · field survey on file · no encroachments Cleared
The mechanics lien discharge is auto-routed to the contractor's title curative team.
Continue to TRID disclosures →
Closing disclosure · Halloran · CD v3
| Section | Item | LE | CD | Δ | Tolerance |
|---|---|---|---|---|---|
| A · Origination | Lender origination fee | $1,200 | $1,200 | 0% | 0% rule |
| B · Cannot shop | Appraisal fee | $650 | $650 | 0% | 0% rule |
| C · Did not shop | Title — owner's policy | $1,840 | $1,840 | 0% | 10% bucket |
| C · Did not shop | Recording fees | $185 | $210 | +13.5% | 10% bucket OK |
| E · Taxes & gov | Transfer tax | $1,800 | $1,800 | 0% | No limit |
| F · Prepaids | Per-diem interest | $148 | $152 | +2.7% | No limit |
No cure required.
Bucket totals: 0% items unchanged; 10% bucket aggregate +1.4% ≤ 10%; unlimited bucket changes within COC tolerance. CD will issue with no redisclosure trigger.
Tolerance math runs every time a fee changes — no manual re-disclosure decisions.
Continue to post-close →
Funded loans · 30d
47
$18.2M total
Avg. days to record
2.4
3 counties live e-record
Trailing docs open
8
2 over 60d
Post-close audit queue
| Loan | Borrower | Funded | Recorded | QC findings |
|---|---|---|---|---|
| L-92141 | Halloran · purchase | 2026-05-02 | Recorded · 5/4 | Clean |
| L-92118 | Singh-Park · refi | 2026-04-18 | Recorded · 4/19 | Clean |
| L-92102 | Yoshida · purchase | 2026-04-04 | Recorded · 4/8 | Hazard ins. trailing |
| L-92088 | Westbrook · purchase | 2026-03-28 | Recorded · 3/30 | Clean |
| L-92044 | Patel · purchase | 2026-03-12 | Pending · cnty manual | Survey trailing |
Trailing-doc reminders auto-route to settlement, lender, and warehouse line in parallel.
This is a sample of what we'd build for a Mortgage & Title business — hand-crafted UI with sample data, no real engine running. The actual app we'd ship for you uses your folders, your branding, and your domain. Schedule a walkthrough to see a tailored version.