Frequently Asked Questions

FAQ

The questions lenders actually ask.

Straight answers to the five things every loan-quality buyer wants to know before sending a file.

Where is our loan data processed, and how is borrower NPI protected?

Data is encrypted in transit and at rest, with role-based access controls and reviewers limited to the files they are assigned. You can also have us work inside your environment — on-premise or your private cloud — so borrower NPI never leaves your control. Our reviewer team overlaps US business hours. Full security details, our subprocessor list, and current SOC 2 status are shared under NDA during onboarding — we would rather show you the documentation than make a claim on a web page.

How is your review independent of our production?

Mortna operates entirely outside your production chain. Our reviewers have no stake in whether a loan closes, which satisfies the separation-of-duties principle behind Fannie Mae’s D1-2 requirement. Every finding is recorded and cited to the guideline, so your QC plan and audit trail stand on their own.

Can you handle our volume spikes?

Yes. The AI handles extraction, classification, and first-pass defect detection at scale, instantly; reviewer capacity flexes on top of that. You scale up for a busy month and back down for a slow one — no hiring, training, or notice periods. You pay for files reviewed, not headcount retained.

What happens if you miss a defect?

Every review is documented and cited, so findings — and any gaps — are auditable rather than opaque. We carry professional liability coverage, and the specific terms, remedies, and limits are defined in the master services agreement before you send a single file. To be clear, we do not assume your reps and warrants — the final lending decision stays with you — but our job is to catch defects and make them defensible before they become a repurchase demand.

Is there a minimum commitment?

No. Start with a free 50-file pilot — no contract, no commitment. After that, pricing is per file reviewed with volume discounts; there is no fixed retainer or headcount minimum. Add services or change volume as your pipeline changes.