Mortgage lenders
If AI touches the funnel, fair lending is the whole question.
Lead scoring, pre-qualification, pricing assists, AI in the LOS and POS: every one of them can move a protected-class outcome. ClarityGRC treats credit-influencing AI as its own category, with the fair-lending depth regulators expect and most platforms skip.
Fair lending, built in rather than bolted on
- Funnel systems are flagged at classification and face extra gate criteria before they deploy.
- Disparate-impact test logs per protected class, with the four-fifths rule computed for you.
- Model variable inventories that mark protected classes and proxies, with documented dispositions.
- Adverse-action reason tracking, and fair-lending review cycles that surface in the attention inbox when due.
The rest of the program, also handled
- An 18-regulation mortgage catalog: TILA, RESPA, TRID, ECOA, HMDA, SAFE Act, GLBA, BSA/AML, flood, servicing rules, and more, each obligation dated, owned, and cited.
- Policies drafted by AI against your actual systems and vendors, then versioned, approved, and attested.
- Complaint tracking with response clocks, vendor diligence, evidence freshness, and exam packs on demand.
- Read-only share links when a state examiner or investor due diligence team wants to see posture today.
Built by people who run this program for lenders
ClarityGRC is an Anapto product. Anapto stands up AI governance programs for mortgage lenders as a consultancy, and the platform is how those programs run: the same registry, the same gates, the same fair-lending discipline, available with or without the consultant.
Show us one AI tool in your funnel.
In 30 minutes we will classify it, gate it, and show you the fair-lending file you would hand an examiner.
Self-serve signup with published pricing is coming. Early access runs through demos.