Definitions and coverage
One human touch is a work session for the same employee, loan and stage. A gap longer than five minutes starts another touch. Individual recorded actions remain available in the history. Staff membership must be known. Automated work, borrowers and simulations do not count as employee intervention. Reads and page views do not count.
Historical records are partial. Team assignment does not prove who performed an action. Historical role labels use membership at import; new events preserve membership at capture. Stage time is elapsed calendar time, including waits, not labor hours. Underwriting starts at the first recorded review-step event after tracking began. Certificate production is separate from final approval, closing and funding. Imported original approval PDFs and rehearsals are excluded from the certificate clock.
API costs use saved estimates, including recorded cache tokens, retries and simulation calls. Missing or unpriced calls remain visible. Labor, hosting, voice and other vendor charges remain unmeasured. Funding date is a date-only source, so its elapsed duration is approximate. Tests should be compared with tests. Period comparisons describe different intake cohorts and do not establish causal savings.