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AVA Credit Inc.

AVA AI Workbench

Governed AI tools for licensed mortgage professionals. Built to operate inside the bank’s model risk perimeter, with logging, inventory, data boundaries, and human review built in.

Active R&D  ·  Proof of Concept  ·  2026

For decades, brokers originated and banks decided. The tools brokers used to get there were invisible, unlogged, unaudited, and unremarkable. OSFI E-23 ended that arrangement.

When a mortgage broker uses AI to analyze affordability, draft a credit memo, or structure a deal recommendation, that AI’s output becomes an input to the bank’s own credit models. Under E-23, the bank owns the risk. Under B-10, the bank manages the third party that created it.

The broker’s technology is no longer outside the bank’s concern. It is inside the bank’s model risk perimeter. Inside the perimeter, tools get inventoried. Usage gets logged. Outputs get validated. Evidence gets retained. You don’t get to say “trust me.” You get to say “here’s the file.”

The AVA AI Workbench is the infrastructure that makes operating inside the perimeter practical for a licensed mortgage professional.

Architecture

The Four Things Banks Now Require

OSFI E-23 and B-10 have distilled into four practical requirements. The Workbench is built around each one.

Pillar 01

Model Inventory

A documented list of every AI tool used on or around client files, with risk ratings attached. Every tool in the Workbench is registered, risk-classified, and audit-ready, not discovered after the fact.

E-23: §4.1 Model Identification

Pillar 02

Usage Logs

Records showing who used which tool, on which file, and when. Every AI call routed through the Workbench is tagged with agent, client, deal, and use case, generating a complete interaction log on demand.

E-23: §4.3 Model Monitoring

Pillar 03

Data Governance

Demonstrated proof that client data is protected and never introduced into public AI models. A hard boundary separates bounded client data from open AI tools. Public chatbots are prohibited for deal work.

B-10: §3 Third-Party Risk

Pillar 04

Human Review

A qualified person reviews AI output before anything reaches the lender. AI does not drive credit decisions. The Workbench enforces human-in-the-loop at the submission gate, every time, without exception.

E-23: §4.4 Model Governance

Architecture

Two Channels. One Workbench.

Every AI tool is organized into one of two channels. The channel is determined by one question: does this task touch a credit file that could reach a lender?

AVA AI Workbench Open channel Standard and enterprise accounts, low risk FRONTIER MODELS, INVENTORIED · ChatGPT (OpenAI) · Claude (Anthropic) · Perplexity · Gemini (Google) · Copilot (Microsoft) TASKS, NO CREDIT FILES → Sales and lead generation → Marketing and web copy → Code writing → Deep research → Market analysis → Web design No client data, standard use Logged in model inventory Governed channel OSFI E-23, B-10, all 4 pillars active FOUR PILLARS, ALL ENFORCED ✓ Model inventory ✓ Usage logs, tagged per file ✓ Data governance, no public models ✓ Human review before lender CREDIT FILE TASKS → Credit file analysis → Underwriting analysis → Credit notes and memos → Collateral review → Lender submission prep → Triage and responses API gateway, logged, human reviewed Governed AI, inside the perimeter All 4 pillars on every interaction THE QUESTION Does it touch a credit file?

Development Status

Where We Are

The Workbench is in active R&D. The proof of concept is running on live commercial files. The timeline tracks OSFI’s compliance window.

Completed

Foundation and Validation

Nine AI Credit® trials across 145 commercial transactions. First AI-generated credit writeups submitted for funded SBA 504 transactions. RGI Framework™ developed. DLCG AI Essentials, 2,271 professionals trained.

Active Now, Q2 2026

Proof of Concept on Live Files

Single-agent deployment: Matthew Dobson, licensed MA with Mortgage Architects. Every governed AI interaction on live client files running through the secured API gateway. All four OSFI pillars in operation. Logging, inventory, data governance, and human review enforced in real time.

Horizon, 2026 to 2027

Expansion and Network Deployment

Proof of concept validated. Workbench architected for multi-agent deployment across broker networks. Attestation-ready compliance packages. Bank-facing documentation built to B-10 third-party risk standards.