Private proposal summary

Mortgage Processing AI Agent

A regulated workflow automation platform for mortgage processing teams, covering LOS and vendor integrations, document ingestion, human approval gates, compliance guardrails, and immutable audit trails.

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Scope basis

What We Are Pricing

This estimate is based on the supplied technical specification for a mortgage processing AI agent system. The scope is closer to a compliance-sensitive workflow platform than a lightweight chatbot.

Workflow Core

Durable loan-file state machine, agent orchestration, retries, SLAs, escalations, and idempotent actions.

Integrations

One primary LOS, vendor APIs, email/DMS connectors, normalized adapter schemas, and document routing.

Compliance

GLBA, RESPA, HVCC/AIR, UAD, NMLS, PII tokenization, encryption, approval gates, and audit retention.

Operations

HITL dashboard, Slack/email notifications, processor review queues, metrics, shadow mode, and rollout support.

Investment context

Typical Cost For This Scale

Production-grade regulated AI systems with multiple integrations typically land in the high six figures to low seven figures before ongoing support and third-party compliance costs.

Controlled pilot $250k-$400k
Production Phase 1 $850k-$1.25M
Full spec buildout $1.2M-$1.8M+
External security review, SOC 2 readiness, vendor fees, cloud costs, and model/API usage should be scoped separately or passed through at cost.

Pricing rationale

Why This Is Not A Commodity Build

The proposed pricing is based on the combination of regulated workflow engineering, AI/document extraction, third-party integrations, security controls, human review tooling, and production rollout support.

Bottom-up model 4-6 senior builders x 6-9 months

At senior AI, backend, integration, security, and product rates, this quickly lands in the high-six to low-seven-figure range before external security review, SOC 2 work, cloud spend, and API usage.

Enterprise / regulated app builds

Public 2026 buyer guides place regulated fintech/healthtech-style platforms around $500k-$1.2M+.

FWC app development guide

Enterprise AI platform work

Enterprise AI platform ranges commonly run from roughly $250k to $1M+ or $2M+ depending on scope.

Uvik AI cost guide

Proposed commercial structure

Reduced Cash Fee With Gross Revenue Participation

To align incentives while still covering delivery risk, we can reduce the upfront build fee in exchange for a defined share of gross product revenue after launch.

Recommended

Build + Revenue Share

$750k upfront

Plus 50% of gross revenue until $1.5M has been paid through the share.

Required first step

Discovery Sprint

$45k

Creditable toward the build fee if the production engagement moves forward.

Terms to define

Revenue Share Rules

First-dollar gross

Monthly reporting, audit rights, launch deadline, and change-of-control payout.

Delivery timing

How Quickly We Can Move

If the client provides LOS access, vendor credentials, historical files, sample documents, and compliance approvals early, the MVP can move quickly. Integration delays are the main schedule risk.

1

Discovery & Architecture

2-3 weeks

Integration audit, final MVP definition, compliance matrix, data flow, and delivery plan.
2

Pilot MVP

12-16 weeks from start

One LOS, 2-3 vendor workflows, document extraction, HITL dashboard, audit log, and shadow mode.
3

MVP To Production

Additional 12-16 weeks

Supervised mode, hardening, monitoring, security review, training, rollout, and rollback plan.
4

Full Spec Expansion

9-12+ months total

Additional LOS platforms, vendor breadth, portal fallbacks, mature evals, and broader operations.

Implementation path

MVP To Production Track

Recommended support $18k-$30k/mo
  • Production monitoring and incident response
  • Vendor API drift fixes and connector maintenance
  • LLM extraction tuning, eval review, and cost controls
  • Security patching and compliance evidence support
  • Monthly roadmap, metrics, and executive check-in

Support model

Service Contract After Launch

This product will need active support because mortgage workflows, vendor APIs, documents, and compliance requirements shift over time. Support should begin during supervised rollout, not after issues accumulate.

Suggested contract: 6-month minimum after launch, then month-to-month. Emergency support outside agreed SLAs, new integrations, and major feature expansion are scoped separately.

Client inputs needed

Pertinent Information Still Missing

These items determine how firm the quote and schedule can be. The more complete this handoff is, the faster the MVP can begin producing useful results.

Platform & Vendors

Primary LOS, vendor list, sandbox credentials, API documentation, DMS preference, and email environment.

Data & Documents

90 days of anonymized historical loans, sample appraisal/UAD, HOI, flood, VOE, transcript, and title docs.

Compliance Sign-Off

HITL approval matrix, PII policy, retention requirements, approved AMC rules, and compliance owner availability.

Commercial Terms

Gross revenue definition, revenue share cap, reporting cadence, launch deadline, IP ownership, and payout triggers.

Launch Plan

Target customers, expected loan volume, sales responsibility, pilot cohort, processor availability, and rollout dates.

Operating Constraints

Cloud preference, security review scope, SOC 2 expectations, SLA targets, support hours, and budget for pass-through costs.