One hundred percent coveragefor ten files more than your mandated sample.
Taiso checks every checklist item on every loan file against the source document behind it — escalates only what it can't confirm to your QC reviewers, and produces exam-formatted evidence for the whole population. Same reviewers. Every file covered.
The guideline says sample ten percent.
The repurchase letter doesn't care.
Sampling was a concession to what people can read, not a judgment about what needs checking. Coverage is an architecture decision now.
One hundred percent of the population.
For ten files more than your sample.
Taiso reads every file, checks each checklist item against the source document behind it, and routes only what it can't confirm to your reviewers. Their hours stop going into re-reading and start going into findings.
Everything you didn't open, you still certified.
Ten files more than your sample. Every file systematically checked. The machine reads all of it; your reviewers decide the few it couldn't confirm — and the exam file covers the population, not the sample.
Start with Taiso Verify on a single workflow — no migration, and nothing new for your team to learn. Scale to the Taiso Agent Control Platform — your whole QC operation, verified.
The guideline sets a floor.
Your exposure sits above it.
The mandate is satisfied either way. What changes is the ninety files you were already answering for.
Watch every loan file get checked.
Not a sample.
A two-and-a-half-minute walkthrough of one hundred post-closing loan files — narrated by the QC lead who signs the exam report.
The ninety you didn't open are the ninety you still certified.
No reviewer re-reads a file.
The record your examiner and your investor accept.
Illustration of the mechanism on a hundred post-closing loan files. Volumes and counts are illustrative, not measured results — the exception rate most of all. How many items actually need a person is the number the parallel run measures on your own work, and it is the number that decides whether the hours hold.
Five checks
on every checklist item.
Five checks, one verdict — ALLOW — before the file is certified.
What the agency asks
before it accepts this.
On certification: SOC 2 Type I is on the clock, and Type II is what most financial buyers gate on — we are not going to pretend otherwise. Closed work is still confidential data, so the pilot runs under NDA and a DPA, in your environment or ours, and goes through the same security review your clients require of any new processor. We will fill in the questionnaire.
The exam file compounds.
The next audit starts ahead.
By day 3 you see what it would have caught on a cycle you already closed. By day 14 you have the exam file and the list of what your sample missed — yours to keep either way.
What the exam
usually finds first.
If two of these are true, the pilot below was built for you: a QC cycle you have already closed, and nothing in production changes.
One closed QC cycle.
At full coverage.
Give us a cycle you have already certified, under NDA. We re-run it at one hundred percent in parallel — no live file is touched, no investor is involved — and we hand back what the pipeline caught, what your sample missed, and what we got wrong. Bounded defect rates with the sample size beside them, never a zero-miss promise.