Open mortgage evidence standard in development
Independent institutions. Interoperable evidence.
Connecting mortgage participants while preserving their roles, systems and control.
Your role remains yours
Every participant keeps its role, its systems and its control.
Realworld adds a connective layer between institutions that already do this work. Nothing about who is responsible for a fact changes, and no one gives up their relationship, their systems or their brand to use it.
Lenders
Keep capital, credit decisions, the customer relationship and your brand. Stop rebuilding the same evidence every time a loan moves.
For Lenders →Valuers
Keep authority over the valuation. Make the evidence reusable beyond the PDF, with your attribution intact.
For Valuers →Servicers
Remain the authoritative source for loan state while making that state usable by everyone who depends on it.
For Servicers →Title & Completion
Stay the authoritative source of title and completion. Make that authority usable by the systems that need it next.
For Title & Completion →Assurance, TPR & Big Four
Receive structured, source-verifiable evidence so existing checks can be automated or re-scoped, never lowered in rigour.
For Assurance →Warehouse & Capital Markets
Get more current, traceable, machine-usable mortgage state for funding and securitisation decisions. Arrangers and rating agencies retain their own independent judgement on anything they rely on.
For Capital Markets →Evidence that can travel
Evidence created once. Trusted downstream.
Every time a loan moves between systems, someone rebuilds the evidence behind it by hand: retyping a valuation, re-checking a title position, reconciling a servicing extract that was already out of date on arrival. Three things have to hold at the same time to stop that. None of them requires any participant to give up its role.
Source
Source institutions stay authoritative.
Valuers remain valuers. Lenders remain lenders. Registries and completion infrastructure remain authoritative for title and charge. Nothing about who is responsible for a fact changes.
Verification
Evidence becomes machine-readable and verifiable.
Under an open standard, each piece of evidence carries who issued it, what it asserts, when, on what basis, and a source status reference an authorised recipient can check in a form verifiable against the source.
Reuse
Downstream systems can rely on it.
Funding, assurance and securitisation workflows consume the evidence directly, under the access rules its owner sets, instead of reconstructing it from documents and extracts. Reuse remains subject to recipient checks, permitted purpose and applicable reliance terms.
Privacy and integration
Neutral infrastructure beneath and between existing systems.
We are not a lender, a valuer, a registry or a custodian, and we do not intend to become one. Our role is at the interfaces.
Realworld is neutral infrastructure beneath and between existing institutional systems. We don't replace lenders, valuers, servicers or title providers: we make their output interoperable, so evidence created once can be trusted and reused downstream.
The institution that produced a fact stays responsible for it, and the systems it already runs stay the systems of record. Access to that evidence is controlled by the institution that owns it: loan data is permissioned by role, visible only to authorised parties for authorised purposes. We would rather show you what we are building than tell you what it will do, and we do not claim partnerships, integrations or results that are not in production.
Open Standard
An open mortgage evidence standard.
We are developing an open mortgage evidence standard with institutional participants. Contact us to review the current working material and discuss implementation.
Once published, the standard will belong to the market. It is designed to require no ledger, token or new registry, to depend on no single vendor including Realworld, and to be adopted one evidence domain at a time. What we offer alongside it is the engineering to put it into production.
Contact
Interested in what interoperable mortgage evidence means for you?
Lender, valuer, servicer, title or completion provider, assurance firm, funder or standards body: let's talk. No commitment is required to have that conversation.