themortgagellm™Use Case · Underwriting
Score loans for pre-funding decisions: 12 / 24 / 36-month EPD risk, GSE channel choice (Fannie vs Freddie), GNMA EPD for FHA / VA / USDA / PIH product, and reference benchmarks for sanity-checking the model output against the relevant cohort.
Sample prompts
12-month EPD score for a 700 FICO conforming loan
“Score this loan for 12-month EPD: FICO 700, DTI 40, LTV 95, note rate 7.0%, Fannie pathway.”
The 12-mo EPD model returns a calibrated probability of ~1.33% for this profile — within the BASE risk band (below the P90 threshold of 1.94%). Elevated against the 0.88% population baseline but not yet flagging into the elevated-pricing tiers…
Fannie vs Freddie channel choice for a clean conforming loan
“Should we deliver this loan to Fannie or Freddie? FICO 720, DTI 38, LTV 80, note rate 6.5%.”
On this clean-credit conforming profile, the S-learner returns near-identical Fannie and Freddie expected losses (~$321 each on standard loss assumptions). Channel choice should fall to non-loss criteria — pricing grid, MSR retention, cash-window terms…
Repurchase risk for a 720 FICO / 80 LTV / 35 DTI conforming loan
“Score repurchase risk for a conforming loan: FICO 720, DTI 35, LTV 80, note rate 6.5%, Fannie pathway.”
The repurchase v4 model returns a calibrated probability of ~0.067% for this clean conforming loan — well within the BASE risk band, ~4.6× below the population baseline of 0.15% and consistent with a structurally low-risk profile…