Workflow Core
Durable loan-file state machine, agent orchestration, retries, SLAs, escalations, and idempotent actions.
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.
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.
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
Recommended lean build cost
$395k + back-end split
Comparable 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-person lean team salary basis
Rather than pricing this as a market-rate agency build, the proposed upfront amount is based on the core development team cost: $395k before pass-through tools, cloud, third-party reviews, and vendor fees.
Enterprise / regulated app builds
Public 2026 buyer guides place regulated fintech/healthtech-style platforms around $500k-$1.2M+.
FWC app development guideEnterprise AI platform work
Enterprise AI platform ranges commonly run from roughly $250k to $1M+ or $2M+ depending on scope.
Uvik AI cost guideSpecialist consulting rates
Enterprise modernization and AI integration rates are commonly benchmarked around $150-$350+/hr.
Modernization Intel rate guideSecurity and compliance add-ons
SOC 2 and penetration testing are separate cost centers that can add tens of thousands before rollout.
Recommended staffing
Lean Build Team Structure
The recommended delivery team is intentionally small: senior technical ownership, two focused junior developers, and a combined project management / team assistant function. This keeps the upfront development cost controlled while preserving clear ownership across AI/ML, integrations, frontend, backend, and client coordination.
| Role | Staffing | Annual salary basis | Primary ownership |
|---|---|---|---|
| Full Stack AI/ML Senior Engineer | 1.0 FTE | $190,000 | Architecture, AI/ML, integrations, technical delivery. |
| JR Frontend Developer | 1.0 FTE | $70,000 | MortgageIQ console, HITL UI, reporting, workflow polish. |
| JR Backend Developer | 1.0 FTE | $75,000 | FastAPI services, adapters, validation rules, tests. |
| Project Manager / Team Assist | 1.0 FTE | $60,000 | Sprint tracking, client follow-up, scheduling, documentation. |
| Total recommended salary basis | 4.0 FTE | $395,000 | Lean core delivery team before benefits, taxes, contractors, tools, and pass-through costs. |
Proposed commercial structure
Development Cost With Back-End Participation
To align incentives, the upfront ask is limited to the recommended development team salary basis. The remaining upside is handled through an agreed back-end percentage split after launch.
Development Cost + Back-End Split
$395k upfront
Covers the lean core build team salary basis, plus an agreed back-end percentage split after launch.
Discovery & Planning
Included
Discovery, architecture planning, access tracking, and sprint setup are included inside the $395k development cost.
Back-End Split Rules
To agree
Percentage, trigger date, reporting, audit rights, launch deadline, and change-of-control payout to be finalized.
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.
Discovery & Architecture
2-3 weeks
Integration audit, final MVP definition, compliance matrix, data flow, and delivery plan.Pilot MVP
12-16 weeks from start
One LOS, 2-3 vendor workflows, document extraction, HITL dashboard, audit log, and shadow mode.MVP To Production
Additional 12-16 weeks
Supervised mode, hardening, monitoring, security review, training, rollout, and rollback plan.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
Loan Intake
LOS adapter
Tokenized file data
Agent Workbench
Orders, docs, follow-ups
Rules before LLMs
Human Review
Approvals & exceptions
Processor dashboard
Production
Audit + rollout
Monitored ramp
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
Back-end split percentage, revenue definition, 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.