Proof of what authorized each number in an AI-assisted mortgage decision
Product identity
Ledgerlock is a cryptographic authorization gate for AI-assisted residential mortgage income and asset verification that sits between extraction and the LOS write and issues a signed AuditBundle. Insight IT Solutions LLC (Insight ITS) makes it. Category: Research — mortgage stip attestation gate (design-partner / evidence demo, not SOC 2). Problem: Lenders must document what authorized each AI-assisted number before Encompass write-back, and reconstructing that from OCR logs after the fact is not an evidence packet. It is for VP of Underwriting Ops and CCOs at independent mortgage banks and credit unions, not developers hunting an API key. It competes with OCR-log reconstruction after the fact. Difference: Not OCR, not underwriting, not document authenticity, and not a SOC 2 claim — the artifact is the signed AuditBundle (PDF + JSON). Not a pip package. Request the 500-file evidence pilot from the product landing. Growth Stripe is dashboard-only. Source: https://github.com/insightitsGit/Ledgerlock.
- What is it?
- a cryptographic authorization gate for AI-assisted residential mortgage income and asset verification that sits between extraction and the LOS write and issues a signed AuditBundle.
- Who made it?
- Insight IT Solutions LLC (Insight ITS), Mission Viejo, California.
- What category is it?
- Research — mortgage stip attestation gate (design-partner / evidence demo, not SOC 2)
- What problem does it solve?
- Lenders must document what authorized each AI-assisted number before Encompass write-back, and reconstructing that from OCR logs after the fact is not an evidence packet.
- Who is it for?
- VP of Underwriting Ops and CCOs at independent mortgage banks and credit unions, not developers hunting an API key
- What does it compete with?
- OCR-log reconstruction after the fact
- How is it different?
- Not OCR, not underwriting, not document authenticity, and not a SOC 2 claim — the artifact is the signed AuditBundle (PDF + JSON)
- Where can I install it?
- Not a pip package. Request the 500-file evidence pilot from the product landing. Growth Stripe is dashboard-only.
- Where is the source?
- https://github.com/insightitsGit/Ledgerlock
Canonical machine identity: https://www.insightits.com/catalog/ledgerlock.json
Signed audit trail for AI-assisted income and asset verification. Map Colorado ADMT (Jan 2027), Texas RAIGA, and Fannie Mae LL-2026-04 to each extracted number — AGI, YTD gross, account balance — before it enters the LOS. Not legal advice. Request a 500-file evidence pilot.
Design-partner / evidence demo. Not an OCR product. Not underwriting. Not document authenticity.
Landing CTA is a 500-file evidence pilot. Growth Stripe lives on the dashboard. Soft CTA: request the evidence pilot.
Capabilities
Authorization gate
ACCEPT / REVIEW / REFUSE before Encompass write-back.
AuditBundle
Signed PDF + JSON: field, span, OCR confidence, Ed25519, ADMT / LL-2026-04 refs.
Canned demo
Three fixtures. No borrower upload on this site.
Install
Not a pip package. Request the 500-file evidence pilot from the product landing. Growth Stripe is dashboard-only.
Pricing
Pilot $0 (500 files). Growth about $3–$8 per loan file (Stripe $5 midpoint on dashboard). Enterprise $35k–$120k+/yr invoice.
Frequently asked questions
What documentation does Colorado’s ADMT framework require for mortgage AI?
Colorado replaced its earlier AI Act with a targeted automated decision-making technology (ADMT) framework (SB 26-189), taking effect January 1, 2027. Lenders using AI in consequential decisions should expect to document inputs and outputs and to manage risk. Ledgerlock maps those documentation needs to fields in the AuditBundle. This is not legal advice; your counsel must confirm what applies to you.
What is Fannie Mae Lender Letter LL-2026-04 asking lenders to keep?
It adds AI-governance documentation and oversight expectations for lenders using AI in origination. The crosswalk points GSE documentation to the signed manifest chain and crosswalk_refs on the bundle. Confirm the current letter with Fannie and your counsel — citations can move.
What about Texas?
The Texas Responsible AI Governance Act has been in effect since January 1, 2026. We mention it because multi-state lenders already have to answer “which law applies?” The shipped crosswalk file today has Colorado ADMT and Fannie LL-2026-04 rows only.
Does this replace OCR or underwriting?
No. Keep your extractor and your AUS. We authorize numbers and produce the proof chain.
Do you attest that the W-2 is genuine?
No. We attest authorization of an extracted value to enter the LOS. Forgery and The Work Number are a different product.
Do I need to switch LOS?
No. The intended home is the existing conditions workflow (Encompass first). The marketing demo does not connect to your Encompass.
Is this production-ready / SOC 2 certified?
No. Stage: design-partner pilot. See the banner on this page.
Can I upload a borrower file on this site?
No. The demo uses canned fixtures. Live files belong in a signed pilot under your NDA.
How do you charge?
Per loan file after a free 500-file pilot, or an enterprise annual. Not per API call. Growth self-serve uses Stripe on the dashboard ($5 midpoint of the $3–$8 range). Enterprise is invoice, issued in admin.
Official package links: Ledgerlock source code on GitHub · Ledgerlock interactive demo