[{"data":1,"prerenderedAt":95},["ShallowReactive",2],{"uc-reg-eu-mortgage-credit-directive":3},{"regulation":4,"includeUnpublished":11,"indexable":12,"useCases":13},{"id":5,"label":6,"issuer":7,"region":8,"url":9,"description":10},"eu-mortgage-credit-directive","EU Mortgage Credit Directive","European Union","europe","https://eur-lex.europa.eu/eli/dir/2014/17/oj","Directive 2014/17/EU: creditworthiness assessment, disclosure and advice rules for residential mortgage lending.",false,true,[14,45,76],{"slug":15,"title":16,"shortTitle":17,"definition":18,"status":19,"industries":20,"functions":23,"patterns":27,"audience":31,"autonomy":32,"adoptionStage":33,"segment":34,"evidenceCount":35,"publicEvidenceCount":35,"organizations":36,"bestGrade":40,"headline":41,"lastVerified":42,"indexable":12,"euAiActTier":43,"euAiActBasis":44},"home-loan-assistant-and-prequalification","AI home loan assistant with pre qualification","Home loan assistant","A customer facing assistant that answers home loan questions (rates, loan to value, fees, the documents needed), runs indicative affordability and borrowing estimates from the bank's published rules, and books the customer with a mortgage specialist, grounded in the bank's current, versioned product and policy documents.","published",[21,22],"banking","real-estate",[24,25,26],"lending-and-credit","sales","customer-service",[28,29,30],"rag-knowledge-assistant","conversational-agent","voice-agent","customer-facing","supervised-agent","early-adopters","front-office",3,[37,38,39],"Figure","Loft","Safe Rate","C",null,"2026-09-27","context-dependent","Answering questions and giving indicative estimates from published rules is limited risk with an Article 50(1) disclosure that the customer is talking to an AI system. If the assistant evaluates an individual's creditworthiness to decide or filter access to a loan, it falls under Annex III point 5(b) and is high risk.",{"slug":46,"title":47,"shortTitle":48,"definition":49,"status":19,"industries":50,"functions":51,"patterns":54,"audience":57,"autonomy":32,"adoptionStage":58,"segment":59,"evidenceCount":60,"publicEvidenceCount":60,"organizations":61,"bestGrade":40,"headline":64,"lastVerified":74,"indexable":12,"euAiActTier":43,"euAiActBasis":75},"mortgage-income-and-document-verification","AI income and document verification for mortgage underwriting","Mortgage income verification","AI that classifies the pay stubs, bank statements, tax forms and other documents in a mortgage application, calculates qualifying income under the investor's or agency's own rules, checks the documents for signs of alteration, and hands only the low confidence or unusual files to an underwriter, with every calculated figure linked back to the source page it came from.",[21,22],[24,52,53],"onboarding-and-kyc","operations",[55,56],"document-processing","classification-and-routing","back-office","mainstream","lending",2,[62,63],"Haventree Bank","HomeTrust Bank",{"kpi":65,"label":66,"unit":67,"n":68,"nUpTo":69,"kind":70,"value":71,"qualifier":72,"claimant":73,"organization":62,"vendorReported":12},"handling-time-reduction","Handling time reduction","percent",1,0,"reported",67,"exact","vendor","2026-09-29","Classification and indexing of documents for a person to review may fall under the Article 6(3) derogation for narrow procedural tasks, if the provider documents that assessment. That derogation does not apply once the system profiles a natural person: calculating a named borrower's qualifying income from their pay stubs and bank statements evaluates that person's economic situation, which is profiling under GDPR Article 4(4). A system intended to calculate qualifying income for the credit decision is high risk under Annex III point 5(b), evaluating the creditworthiness of natural persons, whether or not a person reviews its output. Human oversight of that output is a separate obligation under Article 14, not a way to take the system out of the high risk category.",{"slug":77,"title":78,"shortTitle":79,"definition":80,"status":19,"industries":81,"functions":83,"patterns":85,"audience":87,"autonomy":32,"adoptionStage":58,"segment":59,"evidenceCount":35,"publicEvidenceCount":35,"organizations":88,"bestGrade":92,"headline":41,"lastVerified":93,"indexable":12,"euAiActTier":43,"euAiActBasis":94},"property-valuation-support","AI support for property valuation and appraisal","Property valuation support","AI, most often an automated valuation model, that estimates a property's market value from comparable sales, property characteristics and location data, and either offers to replace a full appraisal within set limits or gives a professional valuer a first pass estimate, the closest comparable sales and a reliability score, so the valuer's time goes to the properties that need a person's judgment.",[22,21,82],"government",[24,84,53],"case-management",[86,56],"prediction-and-scoring","employee-facing",[89,90,91],"Fannie Mae","Riverside County Assessor-County Clerk-Recorder","Valuation Office Agency","B","2026-09-28","An automated valuation model values the collateral, not the person, so it is not itself listed in Annex III; the EU Mortgage Credit Directive treats property valuation (Article 19) and the creditworthiness assessment of the borrower (Article 18) as separate steps, and Article 18(3) says the creditworthiness assessment must not be based predominantly on the value of the property exceeding the amount of credit, or on an assumption that the property's value will increase. The valuation becomes relevant to Annex III point 5(b), creditworthiness assessment of natural persons, only where its output is built into a separate system that evaluates the borrower's creditworthiness, and whether that happens depends on how the lender designs the credit decision, not on the valuation model itself.",1790683502636]