Trust
A name on the file. A record of the work.
Adeft Inc. is building an AI-native processing department for wholesale mortgage brokers. Our agents will do the file work. A licensed processor will approve every outbound action. Every approval will be recorded, attributed, and exportable.
This page covers who will be accountable for a file, how we handle borrower data, and what you can show an examiner. If you need more than this page, ask a founder.
Human in the loop
Nothing leaves without a licensed sign-off.
Agents will draft, chase, classify, and analyze. A licensed processor will approve before anything goes out. Your loan officers will see all of it.
The agent prepares the work
It reads the file and drafts the document request, the condition response, or the status update. It can also help the borrower draft and e-sign a letter of explanation, in the borrower’s own words. Every draft is staged for review.
A licensed processor reviews it
A licensed processor, with their name on the record, reads what the agent prepared. They can approve it, edit it, send it back, or reject it.
Licensed sign-off
Only after approval does the action go out. The approval, the approver, and the content are written to the audit trail at the same moment.
Staged · condition response
PTD-04: Provide full March statement, all pages
Drafted response attaches the full statement, pages 1–7. Sample data.
There is no autonomy mode. No setting turns approval off. The service will not originate or broker loans, will not take applications or offer or negotiate loan terms, will not underwrite, and will not make credit decisions. Origination stays with your licensed team. Credit decisions stay with your lenders. When we say licensed, we mean this: every processor who approves an outbound action will work under a mortgage processing company, separate from Adeft Inc. and licensed where the file requires it, and will hold any individual license that state requires for the work. That company’s legal name and license details will be given to your shop in writing before any file is accepted.
Data handling
File data stays file data.
Borrower data is for processing your files, not for training models. Three commitments, stated plainly.
No model training on borrower data
We do not use borrower documents, or anything derived from them, to train models. This is a commitment, and it will be written into the service agreement.
Retention windows you choose
You set how long documents and records are kept, at or above the minimums your regulators and the processing company’s regulators require. We will keep to it.
Sub-processors disclosed
Every vendor that touches borrower data will be disclosed to you, with what it does, before your first file, as part of the data handling terms your shop receives.
Audit trail
Every action, timestamped and attributed.
Who did what, when, and to which document. Exportable when you need to show it.
Each action on a file, by an agent or a person, writes one record: what was done, and three fields that make it checkable. The content hash lets an examiner confirm the document in their hand is the one that was approved. Records will export in bulk, so an audit request is a download, not a project.
| Actor | Action | Timestamp | Hash |
|---|---|---|---|
| agent | request drafted | 14:02:11 | 3f9c…e1 |
| agent | worksheet drafted | 14:02:40 | a71d…08 |
| agent | drafted · PTD-04 | 14:05:02 | c04b…9d |
| A. Reyes | approved · PTD-04 | 14:21:47 | c04b…9d |
| agent | sent · PTD-04 | 14:21:49 | c04b…9d |
Sample data.
Security
Encrypted, access-controlled, and logged.
Borrower documents are encrypted in transit and at rest. Only the people working a file, and the agents assigned to it, will be able to open it, and every access will be logged. Security questionnaires go to security@adeft.ai, and a founder answers them.
Report an issue
If you find something, tell us.
Security reports go to security@adeft.ai. A founder reads every report and replies within one business day. We will keep you informed until the issue is closed. If an incident ever affects a shop’s borrower data, that shop will hear from us directly.
security@adeft.aiAsk a founder.
If you, or whoever handles compliance at your shop, have questions this page does not answer, a founder will walk through them on a call, whether or not your shop is on the list yet.