Marcus assistant

Chat with your assistant

The shared ChatWidget spine forwards the MLO id, loan workspace ref, and safe readiness/MISMO summaries into Marcus — refs, hashes, and summaries only, never raw documents, credit data, or borrower PII.

Loan workspace status

Synthetic refs-only operating summary. The assistant advances routine work; the MLO supervises exceptions and gated actions.

Workflow state

eligibility_review

Valid next states

  • document_collection
  • program_selection

Transition blockers

  • missing_income_documentation_ref

Readiness

needs info

Blockers

  • missing_income_documentation_ref
  • missing_income_documentation_ref
  • live_rate_lock_requires_separate_gate
  • synthetic_conditions_ref_required

Missing fields

  • income_package_ref

Warnings

  • rate_lock_blocked_live_action

Action descriptors (synthetic, refs-only)

  • Advance synthetic workflow state

    advance_workflow

    blocked_if: missing_income_documentation_ref

    needs mlo supervision

  • Run synthetic eligibility summary

    run_synthetic_eligibility

    blocked_if: missing_income_documentation_ref

    synthetic only

  • Request missing ref-only eligibility inputs

    request_missing_info

    eligible

  • Prepare synthetic document checklist/disclosure preview

    prepare_synthetic_disclosure_preview

    blocked_if: paystub_ref_required, bank_statement_ref_required

    synthetic only

  • Calculate synthetic rate scenario summary

    calculate_synthetic_rate_scenario

    blocked_if: live_rate_lock_requires_separate_gate

    synthetic only

  • Run synthetic AUS findings summary

    run_synthetic_aus

    blocked_if: synthetic_conditions_ref_required

    synthetic only
Hard-blocked actions (13) — require a separate authorization gate
  • auth_or_credential_or_MFAblockedcredentials_mfa_requires_separate_human_action_gate
  • legal_or_payment_agreementblockedlegal_or_payment_agreement_requires_separate_authorization_gate
  • live_borrower_data_intakeblockedlive_borrower_data_intake_requires_separate_gate
  • live_borrower_or_realtor_contactblockedlive_borrower_or_realtor_contact_requires_separate_gate
  • live_credit_pullblockedlive_credit_pull_requires_separate_gate
  • live_AUSblockedlive_aus_requires_separate_gate
  • live_lender_or_provider_submissionblockedlive_provider_submission_requires_separate_gate
  • live_disclosure_deliveryblockedlive_disclosure_delivery_requires_separate_gate
  • rate_lockblockedlive_rate_lock_requires_separate_gate
  • portal_continue_or_submitblockedportal_continue_or_submit_requires_separate_gate
  • SMS_email_phone_contactblockedborrower_contact_requires_separate_gate
  • regulated_decision_or_adverse_actionblockedregulated_decision_requires_licensed_accountability_gate
  • old_stale_controller_resumeblockedold_loop_resume_requires_fresh_controller_artifact

Evidence refs

  • operating_summary_evidence_ref_24f_001
  • workflow_evidence_ref_24f_001
  • eligibility_evidence_ref_24f_001
  • document_checklist_evidence_ref_24f_001
  • rate_scenario_evidence_ref_24f_001
  • synthetic_aus_evidence_ref_24f_001

MISMO registration readiness

Parsed from the stored upload by SHA-256 ref. Live lender submission stays gated.

needs infomismo_ws_mlo_demo_24f_001

Missing required fields

  • borrowers[0].employment_income_ref
  • subjectProperty.appraisal_ref

Integrity errors

none

Integrity warnings

  • SEASONING_REVIEW
  • SYNTHETIC_FIXTURE_ONLY

File / packet refs

  • sha256: a1f4a1f4a1f4a1f4…
  • upload: upload_ref_mlo_demo_24f_001
  • packet: mismo_readiness_packet_ref_24f_001
  • lender map: synthetic_lender_mapping_ref_24f_001

Action gate

Fill synthetic form blockedSubmit to lender blocked

Gate reasons

  • missing_required_fields: borrowers[0].employment_income_ref, subjectProperty.appraisal_ref
  • Synthetic registration preview only; live lender submission requires a separate authorization gate.
  • live_submission_requires_separate_authorization

Evidence refs

  • mismo_workspace_evidence_ref_24f_001
The same workspace refs shown above are passed to the chat widget (bottom-right) and re-sanitized server-side before they reach the model. Escalate to secure workflows before any raw borrower PII or regulated action execution.