# Staircase

> Technical documentation for Staircase: the mortgage products and their APIs, the vendor integrations behind them, two domain models, the property-data surface, the delivery and platform machinery, and the agent tooling.

Every page on this site has a markdown twin at the same address with a `.md`
suffix. The twin carries the same headings, operations, providers and field
names as the page it mirrors.

## Products

- [Delivery](https://staircase.co/delivery.md): The delivery platform: how software is built, assessed, deployed, published and kept compliant.
- [Distribution](https://staircase.co/delivery/distribution.md): What happens to a build: catalogues, environments, identity, metering, hosting and self-service setup.
- [Access](https://staircase.co/delivery/distribution/access.md): Identity, single sign-on, API-key issuance and credential storage, with a stated boundary on who can reach a customer environment.
- [Console](https://staircase.co/delivery/distribution/console.md): The configurable application shell every front end was assembled in.
- [Environment](https://staircase.co/delivery/distribution/environment.md): Creating, configuring, cost-tracking, budgeting and tearing down a dedicated cloud environment over HTTP.
- [Finance](https://staircase.co/delivery/distribution/finance.md): Metering and billing keyed to the same product identifier every endpoint definition carries.
- [Host](https://staircase.co/delivery/distribution/host.md): Deploying a third-party vendor's own software to run inside a customer-managed cloud account.
- [Marketplace](https://staircase.co/delivery/distribution/marketplace.md): The product catalogue and provisioning service: bundles, versioned publication, dependency resolution and single-call rollback.
- [Setup](https://staircase.co/delivery/distribution/setup.md): Self-service account and environment creation, between a user interface and the platform's own APIs.
- [Shipping](https://staircase.co/delivery/shipping.md): The pipeline: repository operations, assessment, build, deployment, compliance and the orchestration that runs them in order.
- [Assess](https://staircase.co/delivery/shipping/assess.md): A rules engine over infrastructure definitions, fetched at run time, with a version hash that blocks publication against a stale rule set.
- [Build](https://staircase.co/delivery/shipping/build.md): One build contract producing five bundle types, so a conversational agent, a front end, a vendor mapping and a service all move through the same pipeline.
- [Code](https://staircase.co/delivery/shipping/code.md): Repository operations as an API: clone, branch, commit, pull request and secret handling, as the first pipeline stage.
- [Comply](https://staircase.co/delivery/shipping/comply.md): Compliance evidence generated by the pipeline that ships the code: control status against named standards, and a secure workspace for remote access.
- [Deploy](https://staircase.co/delivery/shipping/deploy.md): Deploying any bundle to any environment, with retry, skip-if-unchanged, and completion reported to the health surface.
- [Health](https://staircase.co/delivery/shipping/health.md): Per-transaction metrics, cost metrics, and a per-partner performance report carrying vendor success rate and cost.
- [Pipeline](https://staircase.co/delivery/shipping/pipeline.md): The orchestration primitive that runs the shipping stages as one sequence.
- [Platform](https://staircase.co/platform.md): The data and integration substrate every other product is built on.
- [Data](https://staircase.co/platform/data.md): The data substrate: the graph store, the translation layer, the rules engine, the models and the documentation platform.
- [Content](https://staircase.co/platform/data/content.md): The content store and delivery layer behind the documentation and marketing surfaces.
- [Language](https://staircase.co/platform/data/language.md): Bidirectional translation between a caller's own field vocabulary and the canonical model, at single-record and bulk scale.
- [ML](https://staircase.co/platform/data/ml.md): Document and image models: signature detection, hosted document extraction, and the training-data pipelines behind them.
- [Persistence](https://staircase.co/platform/data/persistence.md): The graph store every product writes into: containers of linked-data items, immutable state, first-class blobs, and the transaction primitive.
- [Rule](https://staircase.co/platform/data/rule.md): A declarative rules engine underneath eligibility and validation across products, including model-assisted rule authoring.
- [Site](https://staircase.co/platform/data/site.md): The documentation platform, run as a product: ontology-driven navigation, per-product pages, content management and glossary enforcement.
- [Turker](https://staircase.co/platform/data/turker.md): Human-in-the-loop task management: the queue, assignment and review layer behind labelling and data-quality work.
- [Integration](https://staircase.co/platform/integration.md): The integration substrate: the vendor connector layer, the job scheduler, and the registry that defines other products.
- [Connection](https://staircase.co/platform/integration/connection.md): Vendor connectors declared as state machines: one repository per vendor endpoint, each versioned, tested and monitored on its own.
- [Job](https://staircase.co/platform/integration/job.md): Scheduled and on-demand execution with full lifecycle tracking: create, run, resume, stop, and webhook triggers.
- [Product](https://staircase.co/platform/integration/product.md): The registry that defines other products: their APIs, their flows, and the uniform endpoint surface every vertical inherits.
- [Workflow](https://staircase.co/platform/integration/workflow.md): Process orchestration against the system that holds the loan file: document requests, condition clearing and milestone advances executed without a person touching each step.

## Property data

- [Data](https://staircase.co/data.md): Two domain models: the mortgage model covers the loan transaction end to end, and the property model covers the physical asset and the public record behind it.
- [Mortgage model](https://staircase.co/data/mortgage.md): The mortgage class dictionary: the loan transaction, its parties, its collateral and the documents and money that move with it.
- [address](https://staircase.co/data/mortgage/address.md): A physical location, described down to the components a postal system and a legal description each need.
- [credit](https://staircase.co/data/mortgage/credit.md): A credit record for a person: scores, their models, and the liabilities the report carries.
- [document](https://staircase.co/data/mortgage/document.md): A document in the transaction: its type, its contents once extracted, and what it evidences.
- [employment](https://staircase.co/data/mortgage/employment.md): An employment relationship for a person: employer, position, dates and status.
- [employment_income](https://staircase.co/data/mortgage/employment-income.md): The link between an employment record, the income it produced, and the document that evidenced it.
- [fee](https://staircase.co/data/mortgage/fee.md): A charge in the transaction: its kind, amount, payer, and the section of the disclosure it belongs to.
- [finance_relation](https://staircase.co/data/mortgage/finance-relation.md): A person's financial position: the assets and debts attached to them, each as its own reference.
- [income](https://staircase.co/data/mortgage/income.md): Income attributed to a person: amount, frequency, the period it covers, and its kind.
- [insurance](https://staircase.co/data/mortgage/insurance.md): Insurance is a policy that provides financial protection for physical assets like homes, or financial assets like mortgages. An insurance policy can cover a range of physical risks, such as fire, theft, or weather-related damage, and other types of loss or damage to property. It can also cover the risk of a borrower being unable to pay a monthly payment and defaulting on the mortgage.
- [loan](https://staircase.co/data/mortgage/loan.md): A financing agreement between a lender and a borrower, with its terms, amounts, rates and schedule.
- [mortgage_application](https://staircase.co/data/mortgage/mortgage-application.md): A formal request for a loan: the loan itself, the plan chosen, and the pricing schema it was quoted under.
- [mortgage_plan](https://staircase.co/data/mortgage/mortgage-plan.md): The financing structure chosen for a loan: its name, its code and its amortisation term.
- [payment](https://staircase.co/data/mortgage/payment.md): A payment refers to the transfer of money, goods, or services from one party (the payer) to another party (the payee) in exchange for a product, service, or debt settlement. Payments can take various forms, including cash, checks, bank transfers, credit cards, electronic funds transfers, mobile payments, and digital currencies.
- [person](https://staircase.co/data/mortgage/person.md): An individual, and the class the largest number of others point at.
- [person_credit](https://staircase.co/data/mortgage/person-credit.md): The link between a person and a credit record, held as a class of its own.
- [person_income](https://staircase.co/data/mortgage/person-income.md): The link between a person and one income record.
- [pricing_schema](https://staircase.co/data/mortgage/pricing-schema.md): Pricing schema refers to the method used by lenders to determine the interest rate and other fees associated with a mortgage loan. Mortgage pricing schemas are typically based on various factors, including the borrower's creditworthiness, loan-to-value ratio, and market conditions. Mortgage pricing schemas can be divided into two main categories: fixed-rate and adjustable-rate. With fixed-rate mortgages, the interest rate and payment remain the same throughout the life of the loan, providing the borrower with a predictable payment schedule. With adjustable-rate mortgages, the interest rate can fluctuate based on market conditions, which can result in lower or higher payments over time.
- [property](https://staircase.co/data/mortgage/property.md): A parcel of land and what stands on it, as the mortgage model records it.
- [property_tax](https://staircase.co/data/mortgage/property-tax.md): The link between a property and a tax record.
- [tax](https://staircase.co/data/mortgage/tax.md): A tax levied by an authority, for a period, with the payment against it and whether it is escrowed.
- [Property model](https://staircase.co/data/property.md): The property class dictionary: the physical asset, the parcel it sits on, and the public record behind both.
- [address](https://staircase.co/data/property/address.md): A physical or mailing address, parsed into components with postal and geographic identifiers.
- [appliance](https://staircase.co/data/property/appliance.md): Appliances present at the property, as recorded in the source.
- [deed](https://staircase.co/data/property/deed.md): A recorded instrument transferring ownership: its type, its recording data, the parties, and the consideration stated on it.
- [environment_characteristics](https://staircase.co/data/property/environment-characteristics.md): Environmental factors and natural-disaster exposure around the property.
- [file](https://staircase.co/data/property/file.md): Media and documents associated with a property: images, recorded documents, and their source references.
- [flood_storm_information](https://staircase.co/data/property/flood-storm-information.md): Federal flood mapping for the property: zone classification, insurance requirement, community and panel identifiers, and evacuation designation.
- [geometry](https://staircase.co/data/property/geometry.md): Coordinate data for a property or parcel: point locations and polygon boundaries.
- [hoa_policy](https://staircase.co/data/property/hoa-policy.md): The rules and restrictions an association applies to the properties it governs.
- [homeowners_association](https://staircase.co/data/property/homeowners-association.md): An association governing a property: its identity, its fees, and what those fees cover.
- [inspection](https://staircase.co/data/property/inspection.md): An inspection record: the scheduled and completed dates, the outcome, and the permit it belongs to.
- [layout](https://staircase.co/data/property/layout.md): Rooms and spaces within a property, one record per space, with the physical characteristics of each.
- [loan](https://staircase.co/data/property/loan.md): An existing mortgage against the property: amounts, terms, rates, payment schedule and status.
- [lot](https://staircase.co/data/property/lot.md): The land around the structure: dimensions, topography, landscaping, and the exterior characteristics recorded against the parcel.
- [parcel](https://staircase.co/data/property/parcel.md): The land parcel as the jurisdiction records it: its identifier, and the formatted variants of that identifier the source publishes.
- [person](https://staircase.co/data/property/person.md): An individual: name, demographics, identification, citizenship and the biographical detail the source records.
- [property](https://staircase.co/data/property/property.md): The root record for a parcel of real estate: its identifiers, its legal description, and the characteristics every other class hangs off.
- [property_improvement](https://staircase.co/data/property/property-improvement.md): Permitted work on a property: the scope, the date, the declared valuation, the contractor, and whether it reached final inspection.
- [property_ranking_overall](https://staircase.co/data/property/property-ranking-overall.md): Composite scores for a property across climate, safety, wellness, ambience and location quality.
- [property_seed](https://staircase.co/data/property/property-seed.md): The minimum identifying set for a property: enough to address it in a source system before anything else is known.
- [safety_security](https://staircase.co/data/property/safety-security.md): Safety metrics for the property's location: crime rates, emergency-services response, and an overall assessment.
- [sales_history](https://staircase.co/data/property/sales-history.md): The recorded transfer history for a property: amount, date, and the type of each transfer.
- [school](https://staircase.co/data/property/school.md): The schools serving the property: name, type, ranking, and the attendance relationship.
- [structure](https://staircase.co/data/property/structure.md): The building itself: construction materials, condition, architectural style, and the structural elements the assessor recorded.
- [tax](https://staircase.co/data/property/tax.md): The property's tax position: assessed values, exemptions, amounts due, and payment history.
- [tax_authority](https://staircase.co/data/property/tax-authority.md): A body with the legal right to levy against a property: county, municipal, school district, and special districts.
- [tax_exemption](https://staircase.co/data/property/tax-exemption.md): Exemptions applied against a property's assessed value: type, eligibility, amount and status.
- [tax_jurisdiction](https://staircase.co/data/property/tax-jurisdiction.md): The jurisdictions that govern a property for tax purposes, and the identifier each of them uses for it.
- [transportation_access](https://staircase.co/data/property/transportation-access.md): Commute and access quality around the property: walkability, highway access, and transit availability.
- [unnormalized_address](https://staircase.co/data/property/unnormalized-address.md): The raw address exactly as the source system published it, before parsing.
- [utility](https://staircase.co/data/property/utility.md): The systems serving the property: heating, cooling, water, sewer, electrical, and the energy features recorded against them.

## Providers

- [Providers](https://staircase.co/providers.md): Every vendor with committed integration evidence, what it serves, and the shape of the integration.
- [Arch MI](https://staircase.co/providers/arch-mi.md): A mortgage-insurance carrier, second in the committed mortgage-insurance ordering.
- [Argyle](https://staircase.co/providers/argyle.md): An employment and income vendor working from payroll-account connections, first in the committed income ordering and second in employment.
- [Atomic](https://staircase.co/providers/atomic.md): An employment and income vendor working from payroll-account connections, third in the committed employment ordering and second in income.
- [Blend](https://staircase.co/providers/blend.md): An origination and point-of-sale platform, integrated through the generalised origination adapter.
- [Byte Software](https://staircase.co/providers/byte-software.md): An origination platform carried as a catalogue entry of its own alongside the generalised origination adapter.
- [CBC / Factual Data](https://staircase.co/providers/cbc-factual-data.md): A credit vendor integrated for consumer credit reports.
- [Citadel](https://staircase.co/providers/citadel.md): An employment verification vendor, eighth in the committed employment ordering.
- [DocuSign](https://staircase.co/providers/docusign.md): An electronic-signature vendor, integrated at the connector layer for signing ceremonies.
- [Docutech](https://staircase.co/providers/docutech.md): A document-preparation vendor, integrated for generated disclosures and closing packages.
- [Enact](https://staircase.co/providers/enact.md): A mortgage-insurance carrier, third in the committed mortgage-insurance ordering.
- [Ephesoft](https://staircase.co/providers/ephesoft.md): A document-capture vendor whose engine is also deployable inside a customer's own cloud account.
- [Equifax](https://staircase.co/providers/equifax.md): A bureau with integrations across asset, credit and employment verification — the widest vendor surface after the origination platforms.
- [Essent](https://staircase.co/providers/essent.md): A mortgage-insurance carrier, first in the committed mortgage-insurance ordering.
- [Experian](https://staircase.co/providers/experian.md): A bureau covering employment and income verification, sixth in the committed employment ordering and fourth in income.
- [Fannie Mae](https://staircase.co/providers/fannie-mae.md): A government-sponsored enterprise whose automated underwriting engine is one of the two behind the agency eligibility product.
- [Finicity](https://staircase.co/providers/finicity.md): An account-data vendor covering asset, employment and income verification from bank and payroll connections.
- [Freddie Mac](https://staircase.co/providers/freddie-mac.md): A government-sponsored enterprise whose automated underwriting engine is the second of the two behind the agency eligibility product.
- [ICE Mortgage Technology](https://staircase.co/providers/ice-mortgage-technology.md): An origination platform and the largest vendor surface on record, covering both of the platform's own integration frameworks.
- [Informative Research](https://staircase.co/providers/informative-research.md): A credit vendor integrated for consumer credit reports, and present in the mortgage-insurance roster.
- [LendingPad](https://staircase.co/providers/lendingpad.md): An origination platform, integrated through the generalised origination adapter.
- [MeridianLink](https://staircase.co/providers/meridianlink.md): A credit and identity vendor whose integration covers consumer credit, first in the committed employment ordering.
- [MGIC](https://staircase.co/providers/mgic.md): A mortgage-insurance carrier, fifth in the committed mortgage-insurance ordering.
- [Mindee](https://staircase.co/providers/mindee.md): A document-extraction vendor, integrated for field extraction from uploaded documents.
- [National MI](https://staircase.co/providers/national-mi.md): A mortgage-insurance carrier, sixth in the committed mortgage-insurance ordering.
- [Ocrolus](https://staircase.co/providers/ocrolus.md): A document-extraction vendor, integrated for document classification and field extraction.
- [Optimal Blue](https://staircase.co/providers/optimal-blue.md): A product and pricing engine whose integration runs the eligible-product search and returns the priced candidates.
- [Pinwheel](https://staircase.co/providers/pinwheel.md): An employment and income vendor working from payroll-account connections, seventh in both committed orderings.
- [Plaid](https://staircase.co/providers/plaid.md): An account-connection vendor used for asset verification and, through the same connection, income.
- [Prove](https://staircase.co/providers/prove.md): An identity vendor working from phone and carrier signals.
- [Radian](https://staircase.co/providers/radian.md): A mortgage-insurance carrier, fourth in the committed mortgage-insurance ordering.
- [RPR](https://staircase.co/providers/rpr.md): A property and valuation data vendor, integrated at the connector layer.
- [Sales Boomerang](https://staircase.co/providers/sales-boomerang.md): A borrower-intelligence vendor, integrated through the generalised origination adapter.
- [Sharper Lending](https://staircase.co/providers/sharper-lending.md): A credit vendor integrated for consumer credit reports, reachable through the single canonical credit contract.
- [SoftworksAI](https://staircase.co/providers/softworksai.md): A document-extraction vendor whose engine is also deployable inside a customer's own cloud account.
- [Stavvy](https://staircase.co/providers/stavvy.md): A remote online notarisation vendor, integrated for the notary ceremony and its record.
- [Truework](https://staircase.co/providers/truework.md): An employment and income vendor with two paths: an instant answer from records held, and a researched answer obtained from the employer.
- [Truv](https://staircase.co/providers/truv.md): An employment and income vendor working from payroll-account connections, integrated for both verticals without a default position.
- [Valon](https://staircase.co/providers/valon.md): A servicing platform, integrated for post-close loan boarding and the ongoing servicing connection.
- [Wage](https://staircase.co/providers/wage.md): An employment verification vendor working from wage records, fourth in the committed employment ordering.
- [Wilqo](https://staircase.co/providers/wilqo.md): A mortgage platform whose own field vocabulary is registered as a language over the canonical model.
- [Xactus](https://staircase.co/providers/xactus.md): A credit vendor integrated for consumer credit reports, with a recovered field mapping.

## Agents

- [Agents](https://staircase.co/agents.md): The tool registry a client connects to, and the fleet itself — every agent listed by what it does.
- [Creating new agents](https://staircase.co/agents/creating-new-agents.md): Agents whose output is another agent — the specification it is written from, the scaffold it is built on, and the evaluation set that gates it.
- [Data](https://staircase.co/agents/data.md): The records, the schema over them, and what is read back out — ingestion, retrieval, reporting, reconciliation and extracts.
- [Delivery](https://staircase.co/agents/delivery.md): Software being built, packaged, released, deployed or tested — scaffolding an application, distributing it to tenants, implementing a design, triaging what renders wrongly.
- [Evaluations](https://staircase.co/agents/evaluations.md): Behavioural fixtures asserting exact tool-call arguments, run before a deploy.
- [Fleet](https://staircase.co/agents/fleet.md): One agent source compiled to three runtimes, dispatched by a router, composed from separately versioned skills.
- [The network](https://staircase.co/agents/network.md): Three layers: agents that operate production systems, agents that build them, and the skills both draw on.
- [Platform](https://staircase.co/agents/platform.md): What runs underneath: the conversation runtime and its queue, batch workflows, solvers, short links, template inventory, campaign operations and the capability map.
- [Products](https://staircase.co/agents/products.md): The borrower conversation and the assistants around it, collecting the credit, assets, liabilities, employment, income and real estate owned that the Products dimension documents.
- [Providers](https://staircase.co/agents/providers.md): A vendor integration or a counterparty exchange — a message provider's send-and-feedback loop, a partner's file share, a partner's client list, a third-party measurement console.
- [Registry](https://staircase.co/agents/registry.md): One index of every agent and skill, with the repository that defines each.
- [Analytics instrumentation](https://staircase.co/agents/roster/analytics-instrumentation.md): Wires tag management into a front end on any of the common frameworks, and works out with the team which user actions are worth tracking.
- [Application document](https://staircase.co/agents/roster/application-document.md): Generates the completed application document from everything the conversation collected, and takes the borrower's signature on it.
- [Application scaffolding](https://staircase.co/agents/roster/application-scaffolding.md): Scaffolds complete applications on the standard stack, front end and back end together in one repository, with the shared packages between them.
- [Assets](https://staircase.co/agents/roster/assets.md): Collects what the borrower holds — deposit and investment accounts, the institution each sits with, and the balance.
- [Assistant builder](https://staircase.co/agents/roster/assistant-builder.md): Designs and implements task-triggered agents on the established runtime pattern — one function receiving events from the work-management surface, conversation state held externally, a model doing the reasoning, and tracing on every turn.
- [Audience selection](https://staircase.co/agents/roster/audience-selection.md): Defines who a communication goes to, owning the entry point, the hard suppressions, and the contract by which an eligible population is handed to the runtime that will act on it.
- [Audit analyser](https://staircase.co/agents/roster/audit-analyser.md): Builds analysers that read pipeline output, apply versioned audit profiles, and emit evidence-backed anomaly records for a person to review.
- [Batch workflows](https://staircase.co/agents/roster/batch-workflows.md): Designs large-scale batch and extract-transform-load workflows with cost gates, throttling, idempotency and a staged test path.
- [Capability map](https://staircase.co/agents/roster/capability-map.md): Knows every internal platform capability — accounts, bootstrap, build, distribution, deployment, reconciliation, persistence, connectivity, translation, product orchestration, rule decisioning and the governed vocabulary — and decides whether a request is served by something already deployed before any infrastructure is written.
- [Channel assembly](https://staircase.co/agents/roster/channel-assembly.md): Composes audience, template and send capabilities into one deterministic end-to-end channel service — the internal data contracts, candidate generation, scoring, allocation, outputs and runtime validation.
- [Co-borrower invitation](https://staircase.co/agents/roster/co-borrower-invitation.md): Invites a co-borrower into the application and starts their own task set, which is the borrower's set plus the questions only they can answer.
- [Contact details](https://staircase.co/agents/roster/contact-details.md): Collects how to reach the borrower — telephone numbers by kind, and the electronic-mail address the application and its documents are sent to.
- [Contact scheduling solver](https://staircase.co/agents/roster/contact-scheduling-solver.md): Holds how one deployed scheduling solver actually works — how it prioritises records, selects a contact point, respects capacity, assigns hours, rotates between contact points and labels score tiers — and extends it without inventing a parallel runtime.
- [Conversation management](https://staircase.co/agents/roster/conversation-management.md): Manages the fleet around the runtime: the queue a conversation waits in, the configuration each agent runs from, and the tasks raised for a person when a conversation needs one.
- [Conversation runtime](https://staircase.co/agents/roster/conversation-runtime.md): Serves the conversation itself: holds the task set, runs the agent whose turn it is, calls the functions an answer triggers, and writes what was said to the loan record.
- [Correction](https://staircase.co/agents/roster/correction.md): Reopens a subject the borrower has already answered so an answer can be changed without restarting the application.
- [Counterparty document expectations](https://staircase.co/agents/roster/counterparty-document-expectations.md): Loads counterparty contact details and document requirements from spreadsheets into the graph store, mapping each requirement onto the governed vocabulary and setting aside anything that does not map.
- [Credit](https://staircase.co/agents/roster/credit.md): Takes the borrower's consent to a credit enquiry, runs it, and brings the result back into the conversation so the liabilities it reports can be confirmed rather than typed.
- [Data-lake assistant](https://staircase.co/agents/roster/data-lake-assistant.md): Answers questions over the accumulated loan and partner data in plain language, and draws the chart where a chart is the answer.
- [Dataset fulfilment](https://staircase.co/agents/roster/dataset-fulfilment.md): Turns an approved data request into a scoped extract — resolving which organisation it belongs to, mapping the requested field names onto the canonical model, and returning either the result directly or a time-limited download link.
- [Declarations](https://staircase.co/agents/roster/declarations.md): Collects the declaration questions the application requires, and the follow-up detail wherever an answer needs one.
- [Demographic details](https://staircase.co/agents/roster/demographic-details.md): Collects the regulated demographic questions, including the borrower's right to decline each of them.
- [Design implementation](https://staircase.co/agents/roster/design-implementation.md): Translates a design into existing interface code, preserving the business logic underneath and locking in the breakpoints.
- [Design testing](https://staircase.co/agents/roster/design-testing.md): Writes the tests that verify an interface renders correctly across phone, tablet and desktop, in whichever of the two lanes fits — mocked specifications for the design itself, or real-device specifications for behaviour.
- [Employment and income](https://staircase.co/agents/roster/employment-and-income.md): Collects employment and the income that comes from it — employer, role, dates, and the pay in the components a lender underwrites: base, overtime, bonus and commission.
- [File sync](https://staircase.co/agents/roster/file-sync.md): Builds the scheduled workflow that copies a configured storage location into an external partner's file share: the infrastructure, a planning and cost gate, per-file workers, an aggregate, and the credential and configuration handling around them.
- [Frequently-asked questions](https://staircase.co/agents/roster/frequently-asked-questions.md): Answers a borrower's questions from a curated knowledge base rather than from the model's general knowledge, with the source behind each answer.
- [Gifts and grants](https://staircase.co/agents/roster/gifts-and-grants.md): Collects funds given to the borrower rather than held by them — the donor, the relationship, the amount, and whether the funds have arrived.
- [Interface triage](https://staircase.co/agents/roster/interface-triage.md): Triages and fixes interface defects: confirms the delta against the design reference, audits recent commits for the override that caused it, applies the smallest correcting change, and strengthens the tests so it cannot return.
- [Knowledge search](https://staircase.co/agents/roster/knowledge-search.md): Builds reusable retrieval agents that answer from a curated document corpus — embeddings, a search index, a knowledge library, schema and header mapping, reuse of prior decisions, confidence thresholds and a human review loop.
- [Liabilities](https://staircase.co/agents/roster/liabilities.md): Reviews the debts the credit enquiry reported, corrects them, and collects the ones it did not — the obligations that do not appear on a credit file.
- [Loan lookup](https://staircase.co/agents/roster/loan-lookup.md): Finds an existing application from what the borrower can remember, so a returning conversation resumes rather than restarts.
- [Mail campaign operations](https://staircase.co/agents/roster/mail-campaign-operations.md): Operates the deployed mail-campaign workflow: validating the population for a run, launching it, watching it, and reconciling what came back against what was sent.
- [Marketing stack](https://staircase.co/agents/roster/marketing-stack.md): Orchestrates the whole measurement stack across consoles and code — tag management, analytics, search visibility, advertising linkage, the access each of those needs, and the handoff to whoever verifies it.
- [Marketplace architecture](https://staircase.co/agents/roster/marketplace-architecture.md): Architects the multi-tenant platform through which products are packaged, distributed and installed — a central account governing per-customer accounts, a registry of components and releases, and the four ecosystem products underneath it: domain routing, account management, the product deployer and the tenant-side reconciler.
- [Message assistant](https://staircase.co/agents/roster/message-assistant.md): Answers questions about what has been sent to a consumer, and lets a non-technical user propose, revise, or retire a message template through a plain-language review conversation that captures the approved wording.
- [Metric reconciliation](https://staircase.co/agents/roster/metric-reconciliation.md): Reconciles the same metric across vendors and sources so the figures compare like with like, and records why they differed.
- [Military service](https://staircase.co/agents/roster/military-service.md): Collects service history, which decides eligibility for the loan programmes that depend on it.
- [Model curator](https://staircase.co/agents/roster/model-curator.md): Guards the shared graph schema, so that every entity type, relationship, property, index, enumeration and required field passes one review and ingestion and query behaviour stay consistent across services.
- [Mortgage details](https://staircase.co/agents/roster/mortgage-details.md): Collects the terms of the loan being applied for and of any mortgage already secured on a property the borrower owns — amount, purpose, occupancy and term.
- [Operations agent builder](https://staircase.co/agents/roster/operations-agent-builder.md): Builds the operations agents that drive document and media pipelines: resolving the target environment from what the requester said or from their profile, discovering the deployed stack, starting and watching runs, handling replays and approval gates, and preparing configuration changes as reviewable proposals.
- [Other income](https://staircase.co/agents/roster/other-income.md): Collects income from every source that is neither employment nor a business the borrower owns — rental income, benefits, pensions, investments, support payments.
- [Personal identity](https://staircase.co/agents/roster/personal-identity.md): Opens the application and collects who the borrower is — legal name, date of birth, taxpayer identifier, citizenship and marital status.
- [Pipeline control panel](https://staircase.co/agents/roster/pipeline-control-panel.md): Runs the document-processing pipeline on request: resolves which documents actually exist for a set of records, checks what has already been processed, dispatches only the remainder, replays failures, and confirms the results reached their destination.
- [Preapproval letter](https://staircase.co/agents/roster/preapproval-letter.md): Produces the preapproval letter from the priced application, and refreshes it when the price behind it moves.
- [Pricing](https://staircase.co/agents/roster/pricing.md): Runs an actual price against the collected loan terms and explains the result in the conversation.
- [Property data exploration](https://staircase.co/agents/roster/property-data-exploration.md): Answers questions about public property and business data in plain language — appraisal and parcel records, permits, registered companies, contractor reputation, geographic filters and the schema behind them — by driving the published tool surface rather than writing queries by hand.
- [Public record ingestion](https://staircase.co/agents/roster/public-record-ingestion.md): Brings a jurisdiction's public data online: discovers the sources, collects and validates them, loads and reconciles them into the query store, then publishes the jurisdiction's query table and coverage record and wires both into the tool surface.
- [Question answering](https://staircase.co/agents/roster/question-answering.md): Resolves which approved source actually holds a figure, queries it live, and turns the verified answer into a secure, shareable, refreshing report.
- [Rate estimate](https://staircase.co/agents/roster/rate-estimate.md): Gives a borrower an indicative rate from a short conversation, before any application exists.
- [Real estate owned](https://staircase.co/agents/roster/real-estate-owned.md): Collects the properties the borrower already owns — address, value, how it is used, and what it earns or costs.
- [Report catalog](https://staircase.co/agents/roster/report-catalog.md): Builds and maintains the single page where existing reports are registered and found, with a command-line path for registering a new one.
- [Residency](https://staircase.co/agents/roster/residency.md): Collects where the borrower lives now and where they lived before, with the dates, so the address history covers the required period without gaps.
- [Roster workflow](https://staircase.co/agents/roster/roster-workflow.md): Takes each partner's uploaded client list, matches it against the records under management, and returns partner-branded settlement and authorisation paperwork the same day.
- [Router](https://staircase.co/agents/roster/router.md): Reads the current roster and names which specialist and which skills fit the task, with the reasoning behind the choice.
- [Rule editor](https://staircase.co/agents/roster/rule-editor.md): Turns a plain-language request into a concrete change to phone-interaction rules, runs it against sample records to show exactly which numbers would and would not be called, and packages that before-and-after evidence for the rule owner to approve.
- [Search to production](https://staircase.co/agents/roster/search-to-production.md): Takes a retrieval system from a local prototype through to production: the index model, the migration off the local store, historical backfill, live ingestion per source, and the instructions an agent needs to use it.
- [Self-employment income](https://staircase.co/agents/roster/self-employment-income.md): Collects income from a business the borrower owns, including contract income reported on its own tax form.
- [Send lifecycle](https://staircase.co/agents/roster/send-lifecycle.md): Owns the whole dispatch and feedback loop as one lifecycle: provider setup, routing, the send handoff, delivery events, and ingestion of what comes back.
- [Sharing portals](https://staircase.co/agents/roster/sharing-portals.md): Builds secure external file-sharing portals: hosted sign-in, private folder browsing, per-user grants, administrator-managed accounts, a custom domain, runtime configuration and a design-matched interface.
- [Short links](https://staircase.co/agents/roster/short-links.md): Builds the link-shortening and click-telemetry service behind outbound messages: issuing short tokens, storing the link as a graph record, resolving a token through a graph query, redirecting, and publishing a click fact onto the shared event bus.
- [Solver services](https://staircase.co/agents/roster/solver-services.md): Designs and scaffolds optimisation services: a distributed layer that prepares data at scale, a pure solver core, and the infrastructure that wires them together.
- [Spend approval](https://staircase.co/agents/roster/spend-approval.md): Builds the workflow that watches model spend against a threshold, opens an approval task when it is crossed, and raises the limit by a configured increment only after a human completes that task.
- [Template inventory](https://staircase.co/agents/roster/template-inventory.md): Builds the systems that keep message templates versioned, reviewed and in step with whatever sends them — the repository layout, the metadata contract, discovery of the source tables, and one-time or recurring synchronisation from the operational store into a version-controlled inventory.
- [Workspace assistant](https://staircase.co/agents/roster/workspace-assistant.md): The assistant inside the internal workspace: answers a reviewer's questions about an application in progress and drafts the message going back to the borrower.
- [Routing](https://staircase.co/agents/routing.md): The way into the fleet: one agent reads a request and hands it to the specialist that owns the work.
- [Runtimes](https://staircase.co/agents/runtimes.md): The same registry served over a standard-input transport, a streaming HTTP transport, and an edge runtime.
- [Skills](https://staircase.co/agents/skills.md): Packaged, versioned know-how any agent or engineer picks up: how to integrate a partner, how to model data, how to test an interface.
- [Tools](https://staircase.co/agents/tools.md): The tool registry a client connects to: one definition set served over several transports, with a guarded query surface.

## Elsewhere

- [The consumer application](https://staircase.co/borrower-application.md): A borrower-facing application flow assembled from the mortgage products: conversational intake, verification calls, pricing, an automated decision, and a generated loan application with its standards export.
- [How this was built](https://staircase.co/factory.md): A fixed five-artifact shape for every vendor integration, a build rule that failed any endpoint without documentation, and a generator for new jurisdictions.
- [Products](https://staircase.co/products.md): The mortgage and real-estate functions: what each does, its operations, the canonical fields it reads and writes, and the vendors serving it.
- [Adapters](https://staircase.co/products/adapters.md): Connect to the loan origination system itself: the read and write path beneath every product that touches a loan file.
- [LOS](https://staircase.co/products/adapters/los.md): The origination-system adapter, in its Adapters listing: the connective layer beneath every product that touches the loan file.
- [Assessment](https://staircase.co/products/assessment.md): The property record, valuation, appraisal intake, listings and property tax.
- [Appraisal](https://staircase.co/products/assessment/appraisal.md): Appraisal ordering and intake: placing the order, receiving the report, and normalising it against the loan file.
- [Listing](https://staircase.co/products/assessment/listing.md): Listing-data ingestion: bulk feeds, incremental updates, and normalisation of price, commission and sale history.
- [Property](https://staircase.co/products/assessment/property.md): The canonical property record at parcel level: address, structure, lot and land use, read by every other collateral product.
- [Tax](https://staircase.co/products/assessment/tax.md): Property tax at parcel level: assessed values, millage, exemptions, and the tax-roll history behind them.
- [Valuation](https://staircase.co/products/assessment/valuation.md): A blended value opinion combining automated valuation, appraisal and listing signal into one number surfaced to pricing.
- [Automation](https://staircase.co/products/automation.md): Automated pre-approval, income qualification, post-close boarding and reporting.
- [Approval](https://staircase.co/products/automation/approval.md): An automated pre-approval issued from verified inputs, without an underwriter in the loop.
- [Boarding](https://staircase.co/products/automation/boarding.md): Moving a closed loan into a servicer's system of record.
- [Income](https://staircase.co/products/automation/income.md): Income calculation and qualification logic layered over raw verification data.
- [Contract](https://staircase.co/products/contract.md): The canonical model, pricing, fees, documents, signatures, notarisation and title.
- [Document](https://staircase.co/products/contract/document.md): Document generation, classification and closing-package assembly, plus the ingestion half of the document pipeline.
- [Electronic](https://staircase.co/products/contract/electronic.md): Electronic delivery of borrower-facing disclosures, and the acknowledgment record that delivery requires.
- [Fee](https://staircase.co/products/contract/fee.md): Closing-cost computation: the fee set on a closing disclosure, comparison between successive disclosures, and buy-up and buy-down mechanics.
- [Insurance](https://staircase.co/products/contract/insurance.md): The mortgage-insurance premium model: the four premium structures and their effect on the payment and the closing costs.
- [Lexicon](https://staircase.co/products/contract/lexicon.md): The canonical mortgage ontology, published as a product: the class dictionary every other product's request and response is a subset of.
- [Notary](https://staircase.co/products/contract/notary.md): Remote online notarisation: scheduling the ceremony, running it, and returning the notarised documents and the notary's record.
- [Price](https://staircase.co/products/contract/price.md): Best-execution rate and price selection: the eligible-product search across amortisation terms, and the candidate closest to par.
- [Signature](https://staircase.co/products/contract/signature.md): Electronic signature ceremonies over the closing package: who signs what, in what order, and what comes back.
- [Title](https://staircase.co/products/contract/title.md): Title search, insurance ordering, underwriting normalisation, and transfer coordination.
- [Eligibility](https://staircase.co/products/eligibility.md): Agency underwriting, mortgage-insurance eligibility, regulatory screening, fraud and investor criteria.
- [Compliance](https://staircase.co/products/eligibility/compliance.md): Regulatory screening run against a loan file before it proceeds: reporting obligations, ability-to-repay tests, and state licensing.
- [Fraud](https://staircase.co/products/eligibility/fraud.md): Fraud-risk scoring over an application: identity inconsistency, income and asset red flags, and rapid-resale patterns on the collateral.
- [Government](https://staircase.co/products/eligibility/government.md): One request that reaches both government-sponsored underwriting engines, with one canonical response and one error vocabulary.
- [Insurance](https://staircase.co/products/eligibility/insurance.md): Which mortgage-insurance carriers a loan qualifies for, determined across the carrier roster in a committed order.
- [Rating](https://staircase.co/products/eligibility/rating.md): Investor and rating-agency eligibility for loans destined for sale outside the agency channel.
- [Integration](https://staircase.co/products/integration.md): Origination, point of sale, customer relationship, closing and servicing surfaces.
- [Closing](https://staircase.co/products/integration/closing.md): Closing coordination: connecting title, escrow and the origination system at the closing table.
- [LOS](https://staircase.co/products/integration/los.md): The general origination-system adapter: the layer that makes a lender's system of record a swap-in target rather than a rewrite.
- [POS](https://staircase.co/products/integration/pos.md): The borrower-facing intake surface, and the integration that carries an application from it into the loan file.
- [Servicing](https://staircase.co/products/integration/servicing.md): The integration surface for post-close servicing systems: the ongoing connection once the loan's system of record changes hands.
- [Validation](https://staircase.co/products/validation.md): Field-level checking of documents, appraisals and title commitments, plus the labelling that measures it.
- [Appraisal](https://staircase.co/products/validation/appraisal.md): Field-level checking of an appraisal report against the loan file and against appraisal-standard norms.
- [Document](https://staircase.co/products/validation/document.md): A scorecard for document extraction: per-vendor accuracy and cost on real documents, exposed as endpoints rather than as a report.
- [Title](https://staircase.co/products/validation/title.md): Field-level checking of a title commitment against the loan file.
- [Verification](https://staircase.co/products/verification.md): Credit, employment, income, assets, identity and tax, each over a roster of vendors.
- [Asset](https://staircase.co/products/verification/asset.md): Borrower bank and asset verification over several account-data vendors, returning canonical account and balance records.
- [Credit](https://staircase.co/products/verification/credit.md): One credit API over several bureaus, returning one canonical credit response whichever bureau answered.
- [Employment](https://staircase.co/products/verification/employment.md): Employment verification across a roster of vendors, tried in a committed order until one returns a record.
- [Identity](https://staircase.co/products/verification/identity.md): Identity verification and fraud checks run before the rest of an application proceeds.
- [Income](https://staircase.co/products/verification/income.md): Income verification and derivation across a vendor roster, with a model-based derivation path routed as one more vendor.
- [Tax](https://staircase.co/products/verification/tax.md): Income verification from tax transcripts and the returns behind them, as a check against employer-reported figures.