MESH provides an automated compliance operating system for mortgage loan servicers, continuously measuring every loan against all applicable regulations without sampling or spreadsheets. The platform encodes CFPB and other regulatory requirements into code, delivering daily audits, drill‑down visibility, and automated reporting, which customers report reduces compliance costs by up to $200,000 annually.
Funding
Funding not disclosed
Founders
Product
Problem
Mortgage loan servicers must comply with thousands of federal, agency, state, and statutory regulations, yet most rely on manual sampling and spreadsheet tracking, leading to incomplete coverage, high audit costs, and risk of regulatory fines.
Solution
MESH offers an automated compliance operating system that continuously audits every loan in a servicer’s portfolio against all applicable regulations. Regulatory requirements are encoded into executable code, enabling daily, full‑portfolio coverage without the need for random file audits or manual spreadsheets. The platform provides at‑a‑glance dashboards, drill‑down views of specific regulations, and customizable policy settings that can be stricter than the baseline rules. Automated reporting and risk tracking allow servicers to prioritize higher‑risk loans and maintain real‑time visibility into compliance status, reducing annual compliance expenses by up to $200,000.
Target Audience
Primary customers are mortgage loan servicers and servicing subsidiaries that must meet CFPB and other regulatory obligations across large loan portfolios.
Features
- Encodes CFPB, agency, state, and statutory requirements into machine‑readable code for automated daily audits
- Measures every loan in the portfolio against all applicable regulations, eliminating sampling
- Real‑time dashboard with at‑a‑glance compliance status and drill‑down access to regulation language
- Custom policy engine lets users define stricter internal controls and multiple tripwires before violations occur
- Automated report generation and review, supporting audit trails and regulatory filings
- Cohort tracking and mitigation workflow tools for targeted follow‑up on high‑risk loans