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MortgageMate changelog

Product updates for brokerages, compliance teams, and pilot users. We keep this page business-friendly: what changed, why it matters, and where MortgageMate is headed next.

Inspired by Keep a Changelog: notable changes grouped for humans.

V49 — Production readiness, observability & resettable data
MortgageMate now has stronger launch-readiness guardrails: richer product/error analytics, AI cost visibility, reusable seed/reset fixtures, cleaner support surfaces, and safer production operations for Supabase-backed environments.
PlatformReliabilitySecuritySupportAI

Added

  • Added typed PostHog events and dashboards for brokerage onboarding health, invite outcomes, app errors, and AI usage/cost monitoring.
  • Added application-wide error tracking and not-found capture so pilot issues are visible without relying on screenshots.
  • Added reusable development seed fixtures covering broker, owner/admin, Compliance Officer, risk, audit, signing, and full application lifecycle states.
  • Added operator docs for Supabase environment setup, deployment readiness, and pilot reset flows.

Changed

  • Changed database reseeding so local and Supabase-backed environments can be wiped, migrated, and reseeded from one reusable script path.
  • Changed brokerage billing fixtures so subscription status is represented at the brokerage level rather than on each individual broker.

Fixed

  • Fixed Supabase auth/environment drift, restored the active Supabase project, rotated DB credentials, and redeployed production with fresh database settings.
  • Fixed local callback failures by applying pending migrations and preserving Supabase PKCE verifier cookies through `/auth/callback`.

Security

  • Redacted sensitive invite, owner-onboarding, OAuth code, and state parameters from PostHog pageview/autocapture URLs.
  • Kept demo data and production onboarding separated so real signup paths no longer default into the demo brokerage.
V48.4 — Brokerage onboarding, team invites & owner workflows
MortgageMate now matches how brokerages actually onboard: owners create a brokerage workspace, brokers and Compliance Officers join by invite, and owners can work files while managing the team.
WorkflowComplianceSecurityMortyDesign

Added

  • Added a create-brokerage signup flow for owners, partners, and managers using brokerage-scoped admin access.
  • Added invite-based onboarding for brokers and Compliance Officers with one-time, expiring links.
  • Added a Team page where brokerage admins can create, resend, and revoke invites.
  • Added visible role context on the profile page and a direct path for admins to invite team members.
  • Added Morty guidance to the owner/admin dashboard and a Demo Guide shortcut for admins learning the broker workflow.

Changed

  • Changed signup into an explicit choice between creating a brokerage and accepting an invite.
  • Changed owner onboarding into a step-by-step flow: identity first, then brokerage basics, then contact/profile details.
  • Changed province entry to a Canadian province/territory dropdown.
  • Changed owner/admin access so owners and managers can create files, review applications, use the demo guide, and send documents for signing.
  • Changed broker and owner application lists to share the same file-first application experience and first-client-file empty state.

Fixed

  • Fixed generic broker self-signup paths that could put real users into the demo brokerage.
  • Fixed role confusion by showing current account role and explaining invite permissions in the profile experience.
  • Fixed per-person payment status visibility by moving subscription context to the brokerage level.

Security

  • Invite and owner-onboarding tokens are hashed at rest and resolved server-side before assigning role or brokerage.
  • Brokerage admin access is tenant-scoped, including AI output audit reads.
  • Cross-brokerage invite, application, signing, and document-workflow actions remain guarded by session-derived brokerage scope.
V46.9 — Signing, generated document previews & demo readiness
The signing and generated-document experience is more pilot-ready: demo signers get realistic embedded signing emails, generated documents preview locally, duplicate signer emails are handled, and signature boxes now align with the real PDF signature lines.
DocumentsDemoWorkflowReliability

Added

  • Added embedded Dropbox Sign test-mode signing emails with MortgageMate signing launch links.
  • Added broker countersign entry points for files awaiting broker signature.
  • Added local generated-document preview support so Azurite/local files can be opened reliably during development.

Changed

  • Changed demo signing so live Dropbox Sign can be used in test mode while still keeping requests non-binding.
  • Changed document workflow permissions so brokerage owners/managers and Compliance Officers can send, review, generate, refresh, and resend signing workflows for files in their brokerage.

Fixed

  • Fixed duplicate signer-email handling so signer IDs map back to the correct borrower/broker roles.
  • Fixed Dropbox Sign explicit field placement so Form 10 and Cost of Credit signature/date boxes align with the visible signature rows.
  • Fixed embedded signing URL handling for localhost and legacy return fragments.
V47 — Lean issue intake & agentic triage
MortgageMate now has structured GitHub issue intake for product requirements, bugs, questions, and engineering tasks, plus an agentic Squad triage workflow that routes new work more consistently for PMs, humans, and coding agents.
PlatformWorkflowSupport

Added

  • Added lean GitHub Issue Forms for PRD/product requirements, bug reports, questions, and engineering tasks.
  • Added a PRD issue form with concise acceptance criteria prompts that are usable by both human PMs and agents.
  • Added a GitHub Agentic Workflow for Squad triage so new issues can be routed from natural-language context instead of brittle keyword scripts.
  • Added type labels for PRD, question, and task issues so the Squad can separate product discovery, support, and engineering work.
  • Added operator documentation for choosing templates, syncing labels, and recompiling the gh-aw triage workflow.

Changed

  • Changed issue creation to use the issue chooser instead of blank issues, keeping intake lean while preserving lightweight Question issues for quick clarifications.
  • Changed Squad triage to keep write actions behind safe outputs: owner labels, research status, comments, or an explicit no-op.
V46.4 — Template-derived demo commitment letters
Demo commitment letters now use clean, fictional, app-specific examples inspired by a real lender-style structure, while the branded source template is preserved only as a docs reference.
DocumentsDemoSecurityReliability

Added

  • Added a reference-only commitment-letter template artifact for future generator work.
  • Added app-specific mock commitment letters with offer details, standard terms, Schedule A content, PEP declaration, and signature blocks.
  • Added a scoped commitment-letter-only generator path so operators can refresh input examples without rewriting credit applications or generated output PDFs.

Changed

  • Changed public demo commitment-letter inputs to use fictional MortgageMate/mock branding rather than source lender branding.
  • Changed demo document guidance so app-specific commitment letters are the canonical sample path.

Removed

  • Removed the legacy root sample commitment-letter path in favor of per-application examples.

Security

  • Reduced brand and PII leakage risk by keeping the source template out of public demo inputs and validating generated examples for clean metadata and text.
V43.4 — Risk Score scale hardening
MortgageMate hardened the internal Risk Score scale so higher numbers consistently mean a safer, healthier file and lower numbers consistently signal higher compliance attention.
ComplianceAIReliabilityWorkflow

Changed

  • Clarified broker UI, screen-reader text, and internal PDF export copy so the Risk Score label stays familiar while the scale reads high-good.
  • Aligned all risk-assessment Foundry agents with the high-good score contract: 100 is safest and 0 is highest-risk.
  • Updated internal evaluation so missing or old-polarity numeric scores fail instead of being silently accepted.

Fixed

  • Fixed the Foundry risk eval path so synthetic case notes are passed as broker-collected context during evaluation.
  • Fixed exact red-flag evaluation by standardizing the red-flag identifiers the risk agent should emit.
V46.2 — Synthetic demo forms & example data
MortgageMate’s demo and example documents now use realistic synthetic data instead of real borrower information, with app-specific forms that match each demo file so brokers and compliance reviewers can test the workflow without exposing PII.
DemoDocumentsComplianceSecurity

Added

  • Added a mock example generator that recreates local example documents and committed demo PDFs from synthetic fixtures.
  • Added app-specific commitment-letter and credit-application PDFs for seeded demo files, so each application preview opens forms containing that file’s own applicant and deal details.
  • Added an operator sync command for replacing configured Azure demo blobs with regenerated synthetic documents.

Changed

  • Changed demo applicants, seed data, Foundry eval datasets, and AI prompt examples to use fictional character names with BC-based synthetic mortgage data.
  • Changed generated demo output forms to fill the existing BC Form 10 and Cost of Credit templates with matching synthetic application data.

Fixed

  • Fixed mismatched demo forms where one application could show another file’s input documents.
  • Removed remaining real-looking names and old evidence filenames from demo compliance, AI, and document fixtures.

Security

  • Reduced PII exposure risk by removing real borrower/account details from committed example data and generated public demo forms.
V45 — Brokerage performance & team health
Broker owners and managers can now see how their brokerage is doing at a glance — deal volume, deal value, and close rates for the whole team and for each broker — alongside a separate compliance and risk health rating, so commercial momentum and regulatory exposure are never blended into a single misleading number.
WorkflowComplianceDesignDemo

Added

  • Added a Performance page for owners and managers with two side-by-side health indicators: one for performance and one for compliance and risk.
  • Added team headline metrics — total deals, total and closed deal value, close rate, and average examination readiness.
  • Added a broker leaderboard so owners can compare individual brokers and open any broker for a detailed performance and compliance panel.
  • Added time windows (last 30 days, 90 days, quarter, and all time) so team health can be reviewed over the period that matters.
  • Added a brokerage health banner to the owner dashboard, plus a Performance shortcut in the sidebar and command palette.
  • Added a richer demo brokerage team with several brokers and deals spread over time so the leaderboard, ratings, and time windows are easy to explore.

Fixed

  • Fixed opening an individual broker so it shows the selected broker rather than always defaulting to the primary demo broker.
V43 — Brokerage re-centering
MortgageMate is now built around the people who run a brokerage — mortgage brokers, broker owners and managers, and compliance officers. The borrower self-serve view has been retired, and the experience speaks the language of FINTRAC examinations throughout.
ComplianceWorkflowSecurityDesign

Added

  • Added a broker owner and manager role with a brokerage-wide view of every broker and application.
  • Added an all-brokers directory page so owners can find and open any broker on their team.
  • Added a risk status to the admin and compliance application lists so reviewers can see exposure without opening each file.
  • Added Morty top-level recommendations to the Compliance Command Center.

Changed

  • Re-centered the product on brokers, broker owners and managers, and compliance officers, with clear personas guiding the experience.
  • Updated risk scoring so a higher score now reads as stronger and lower-risk, while a lower score signals that attention is needed — the previous scale felt inverted.
  • Streamlined the risk indicators so only the indicators that are actually triggered are shown, instead of every possible category.

Removed

  • Removed the borrower self-serve experience so the app focuses entirely on brokerage and compliance users.

Fixed

  • Fixed an error that prevented compliance officers from approving a file from the review screen.
  • Fixed the broker management page so it opens reliably instead of crashing.
  • Fixed the e-signature completion page so it loads correctly without requiring a sign-in.

Security

  • Scoped owner and manager access to their own brokerage, and restricted first-time sign-in to the broker role to prevent unintended elevated access.
V42 — Internal risk assessment layer
MortgageMate added a broker/compliance-only risk assessment workspace that turns external AML recommendations into structured indicators, clearer internal safeguards, and searchable internal exports.
ComplianceAISecurityDocumentsDesign

Added

  • Added cleaned markdown references for the external developer recommendations and red-flag indicator guide.
  • Added a seven-category internal risk-indicator taxonomy with numeric Low, Medium, High, and Critical risk bands.
  • Added a dedicated broker Risk Assessment tab with score ring, indicator tag cloud, detected patterns, recommended actions, and internal file-note context.
  • Added a searchable internal risk assessment PDF export for broker/compliance users.
  • Added manual Light/Dark theme preference support and a larger dashboard logo.

Changed

  • Separated internal FINTRAC risk assessment materials from client-facing BCFSA document and signature workflows.
  • Updated compliance-facing copy to use FINTRAC examination terminology while preserving technical audit-log language where appropriate.
  • Changed risk approval safeguards so High and Critical flags require broker rationale before compliance approval.

Security

  • Added internal-only role guards and leakage tests to reduce the chance of risk scores, STR cues, indicators, or internal file notes reaching clients.
  • Removed IRIF documents from client-facing generated-document previews and Dropbox Sign packages because they contain internal FINTRAC risk-assessment prompts.
V41 — Public changelog
MortgageMate now has a shareable public changelog so customers, advisors, and internal teams can quickly understand what has changed and why it matters.
PlatformDesignSupport

Added

  • Added a public changelog page that is accessible without signing in.
  • Added business-friendly release notes covering the journey from the first MVP through the Compliance Command Center and Morty preview.
  • Added dashboard and command-palette links so signed-in users can quickly find product updates.

Changed

  • Organized updates using Keep a Changelog sections so notable changes are grouped for humans, not listed as technical commit history.

Fixed

  • Fixed the changelog page scroll behavior so long release history can be read inside MortgageMate’s app-shell layout.
V40 — Morty AI Helper mascot preview
MortgageMate introduced Morty, a friendly helper mascot that makes AI-assisted broker workflows feel more approachable while keeping the broker or compliance officer in control.
MortyAIDesignDemo

Added

  • Added first-party Morty mascot artwork with Broker, Compliance, Form, Client, and base variants.
  • Added Morty helper cards to the public home page and broker dashboard so the team can test the visual direction.
  • Added a Morty advisory framing for AI-assisted broker guidance.
  • Added a playful hover interaction where Morty jumps and mortgage-form papers pop out from the mascot.

Changed

  • Replaced generic “AI advisory summary” language with “Morty advisory summary” in broker-facing UI.
  • Replaced internal demo wording with broker-friendly Morty explanations.

Fixed

  • Adjusted Morty’s size and rendering so the mascot is visible without feeling overly pixelated or too large.
V39 — Compliance Command Center
MortgageMate shifted from a broker workflow dashboard toward a brokerage compliance command center that helps teams understand evidence gaps, audit readiness, review decisions, and file risk.
ComplianceAIDocumentsDemo

Added

  • Added a Compliance Command Center for brokerage-wide audit readiness and evidence review.
  • Added a brokerage-scoped Compliance Officer workspace for reviewing, returning, approving, and locking files.
  • Added audit binders that package evidence, generated disclosures, AI outputs, file notes, checklist state, audit events, and signature status.
  • Added evidence checklists, flag responses, and audit-readiness scoring for each application.
  • Added realistic demo compliance scenarios for high-risk, returned, and audit-ready files.

Changed

  • Reframed the client experience as a Client Portal focused on upload, status, and signing.
  • Moved the core product narrative toward reducing compliance exposure through evidence, review, and audit trails.

Security

  • Added brokerage-scoped compliance access so compliance officers can review their brokerage files without becoming platform administrators.
  • Added tenant-isolation coverage for the new compliance data model.
V38 — MortgageMate design system
MortgageMate standardized the visual language of the product around its brand palette, dashboard surfaces, and reusable design tokens.
DesignPlatform

Added

  • Added a canonical MortgageMate design system with brand colors, light/dark tokens, surface hierarchy, status colors, and component guidance.
  • Added repo guidance and UI-agent workflows so design decisions can be reused across future product work.

Changed

  • Updated the running application to use the MortgageMate brand palette, design tokens, and improved shared dashboard primitives.
V37 — AI reasoning, real BC documents, and better form-fill coverage
MortgageMate matured the broker review experience with AI reasoning, real BC document generation, stronger form-fill accuracy, and a more reliable demo workflow.
AIDocumentsComplianceReliabilityDemo

Added

  • Added AI-backed risk assessment with red, yellow, and green indicators.
  • Added advisory deal summaries, examiner-style questions, and file-note generation for broker review.
  • Added official BC Form 10 and Cost of Credit PDF generation from application data.
  • Added commitment-letter enrichment and lender clause templates to fill more regulatory PDF fields automatically.

Changed

  • Improved the demo flow so brokers can see real generated document outputs instead of placeholder previews.
  • Improved Cost of Credit demo form coverage from roughly 38% toward approximately 65% filled fields.

Fixed

  • Fixed document-generation success timing so the UI waits until generation is actually finished.
  • Fixed risk display inconsistencies across dashboard and application views.
V29–V27 — Broker demo, tenancy shell, squads, and contract architecture
MortgageMate modernized its product and engineering foundation so the team can build broker, client, and compliance workflows faster and more safely.
PlatformWorkflowDemoReliability

Added

  • Added a broker demo and tenancy shell to show brokerage-scoped workspaces more clearly.
  • Added squad workflows and repo-scoped assistant skills to coordinate product, design, documentation, and engineering work.
  • Added contract-driven API foundations to improve type safety between frontend and backend surfaces.

Changed

  • Moved the database and authentication foundation to Supabase to simplify local development and product iteration.

Security

  • Expanded tenant-isolation thinking across broker, client, and future compliance workflows.
V24–V20 — Pilot readiness, support, observability, and security
MortgageMate hardened the pilot experience with clearer support paths, better observability, safer browser policies, and smoother onboarding.
SupportReliabilitySecurityDemo

Added

  • Added a support route and ticket capture so pilot users have a clear place to ask for help.
  • Added workflow analytics, extraction observability, and product event tracking to make failures easier to diagnose.
  • Added transactional email and status-change triggers for more complete user communication.

Changed

  • Improved empty states, document-tab navigation, and onboarding welcome moments for first-time users.

Security

  • Added Content Security Policy coverage while preserving document preview requirements.
  • Added audit fields and soft-delete helpers to prepare for stronger operational controls.
V18–V11 — Production resilience, generated documents, auth, and analytics
MortgageMate improved production reliability with schema migration recovery, generated-document fixes, product analytics, authentication work, error handling, and end-to-end coverage.
ReliabilityPlatformDocumentsAI

Added

  • Added production migration recovery and prebuild migrations so database changes apply more reliably during deployment.
  • Added PostHog observability, funnel tracking, server-side workflow events, and session replay support.
  • Added Playwright golden-path coverage for key broker workflows.
  • Added repo-scoped operational skills and runbooks to make repeated engineering workflows safer.

Fixed

  • Fixed generated-document cards so generated files populate correctly in production-like environments.
  • Fixed PDF worker packaging and several production reliability issues around document previews and generated outputs.

Security

  • Improved authentication readiness and protected workflow surfaces as the app moved toward pilot usage.
V10–V7 — Extraction accuracy, upload-first workflow, HELOC support, and real document pipeline
MortgageMate improved extraction accuracy and broker workflow reliability while building the foundation for real document generation and signature workflows.
AIDocumentsWorkflowReliability

Added

  • Added text-first PDF extraction with image fallback to improve accuracy on real documents.
  • Added honest extraction evaluation and tighter ground truth so quality can be measured transparently.
  • Added upload-first application creation, source-document re-upload, and better review navigation.
  • Added HELOC FlexLine support and HELOC-aware payment validation.
  • Added foundations for Form 10, Cost of Credit, IRIF, and e-signature workflows.

Changed

  • Improved broker review UX with sticky app-shell behavior, tab navigation, upload progress, and retry behavior.

Fixed

  • Fixed source-document reliability and several generation-pipeline edge cases.
V6–V3 — Azure foundation, security hardening, and broker-centric redesign
MortgageMate shifted toward a broker-centric product while strengthening security, infrastructure, test coverage, and document preview capabilities.
PlatformSecurityDesignWorkflow

Added

  • Added Azure-era platform foundations for database, storage, and authentication patterns.
  • Added visual document preview and amortization schedule capabilities.

Changed

  • Reworked the experience around broker workflows instead of a generic borrower-first flow.
  • Trimmed older client-surface assumptions after the broker-centric pivot.

Fixed

  • Fixed production demo-mode reliability and early deployment issues.

Security

  • Added security hardening, data integrity improvements, and broader test coverage.
V2–V1 — MortgageMate MVP and first document workflow
The first MortgageMate releases established the core app shell, upload flow, extraction review loop, and early document-output experience.
DocumentsDemoDesignWorkflow

Added

  • Added the initial MortgageMate app shell, theming, file upload, and deployment pipeline.
  • Added the first document pipeline for upload, OCR extraction, broker review, and PDF generation.
  • Added a dark-mode-oriented interface, command palette, and polished dashboard components.

Fixed

  • Fixed early demo/session issues so production demos could run reliably.