Getting started
Where MUT lives and how to get in.
MUT is the team's underwriting desk. You reach it from MDMT: open any deal and press Underwrite in MUT, and your sign-in carries across automatically. Once you are in, the address is mut.pathwaymortgage.ca. Signing in once now sticks: the session is shared across every MUT tab and survives closing the browser, and when it does lapse, MUT quietly re-signs you through MDMT so long as you are signed in there. Sign out lives in the user menu and signs out every MUT tab at once.
The first screen is Deal files: a list of every file you own or are assigned to. The three buttons at the top right of the list switch between List (a table), Board (cards in lanes), and Report (funded volume and commission). The search box in the header finds files by client name, deal id, Velocity code, or file owner.
The header carries the Pathway lockup with a MUT chip beside it; hover the chip and it spells out Mortgage Underwriting Tool. The moon button switches dark mode, and the choice follows you between MDMT and MUT.
Your board, your lanes
The six lanes from the old board, with live data behind every card.
The board groups files into the same six lanes the team has always used: Pre-submission, Submitted to approved, Signing to compliance, Closed, awaiting payment, Paid, and Declined and lost. Each lane header shows its count, total volume, and expected commission, every active lane ends in a + Add file button, and the chevron in the header collapses a lane to a narrow strip. The board remembers which lanes you keep collapsed in this browser.
Drag a card to move it. Pick it up with the mouse, a ghost follows the cursor, and dropping it on another lane moves the file to that stage, with the same warnings the dropdown gives. The dropdown at the bottom of each card still moves the file too, including from the keyboard. The card front reads at a glance: a colour-tinted deal-type pill, a closing-date chip that turns amber within two weeks and red once overdue (and goes quiet on closed and paid files), the owner's pill, and one quiet counts line covering docs, steps, tasks, files, notes and linked files. Click the card and the card back opens.
The card back
Click any board card and the whole file opens in one dialog.
Clicking a card no longer expands it in place: it opens the card back, a centred modal over the board. The left column starts with the file summary, the mandatory compliance file-information block, filled in automatically from the file, with a chip showing how many of the 20 fields are recorded. Below it sit the stage select, the quick fields (closing date, owner, role, label), the full tickable process checklist, and ad hoc tasks you can add, tick and delete.
The documents block shows the complete count, the outstanding list with a Show all button, an Add missing to checklist button, and the attached files, with an upload straight onto a document row. Linked files, Duplicate, Open file and Archive round out the column. If the file is yours (or you are the master), a Team access block sits here too, the same grants as the deal page; if you are on someone else's file, an Escalate to owner button takes its place.
The right column is notes and activity: write a note for the team, and read the trail with an avatar beside each entry. Your own entries carry your MDMT avatar; every teammate renders as coloured initials, and the same teammate keeps the same colour on every surface. The All activity and Notes only filter keeps the trail readable. Escape, a click on the backdrop, or the corner button closes the card.
The process checklist
Twelve steps from packaged to paid, most of which tick themselves.
Every file carries the twelve-step spine: packaged, underwritten, submitted, approved, product satisfactory, DocuSign sent, DocuSign completed, broker complete, compliance complete, closed, commission paid, and Velocity updated.
Here is the part that saves the team real time: seven of the twelve tick themselves. Submitted, approved, closed, and commission paid follow the stage. Underwritten follows the first saved verdict. Both DocuSign steps follow real envelope activity. Those steps show a lock and cannot drift out of date, because they are derived from what actually happened. The remaining five are human judgments and tick with one click.
You will find the checklist in two places: on the card back of any board card, and behind the Steps chip in the dark bar on every deal page. Hover the chip for the full list; click a step to tick it.
Reading the header chips
The dark bar on every deal answers "why" on hover.
The chips across the top of a deal show GDS, TDS, LTV, net worth, verdict, documents, and steps. Every one of them explains itself: hover for the math. GDS and TDS show each borrower's income, the housing stack at the qualifying rate, other debts, and the exact ratio line. LTV shows mortgage over value. Verdict shows the headline, the reasons, and what would change the answer. The Docs chip reads complete of required: a document counts once its row is reviewed or satisfied, not when it is merely requested, and the board cards and the card back count the same way.
Blank chips teach instead of shrugging: hover a grey GDS and it lists precisely what is missing, such as employment income or property taxes. Click any chip to pin its panel open while you fix the inputs.
Working a deal file
One scrolling page per file, in the order an underwriter reads it.
A deal file runs top to bottom: File (label, type, stage, closing date, file owner, your role), Borrowers (employment and income, with per-borrower documentation status), Assets and liabilities, Properties, Mortgage request, Lender fit, Documents and conditions, Underwriting, and Notes. The quick-nav under the chips jumps to any section, or press the number keys 1 through 9. The mortgage request now carries the brokerage's compliance fields: maturity date, first payment date, the high ratio insurance certificate number, the MPP decision (accepted, waived, or not applicable), and who pays the property taxes, with the solicitor's contact block below, because instructions and the letter of direction go to whoever is closing the file.
Edits mark the file dirty and the save bar appears at the bottom; nothing reaches the server until you press Save. On wide monitors the save actions live in the right-hand rail instead, alongside the chips, warnings, and quick actions.
Deleting a row that has content asks once before discarding it. Empty rows delete silently.
Documents and e-signature
The checklist writes itself; DocuSign does the chasing.
The required documents panel derives from the borrowers' income types and the deal type: add a self-employed borrower and the T1s and statements appear on the list by themselves. Every file also carries a Client VOID cheque row, since the lender's pre-authorized payment gets set up on every deal, a client-paid broker fee adds the solicitor letter of direction that authorizes the fee from proceeds, and once a commitment exists the client and agent signing packages appear, mirroring the brokerage checklist. Add the gaps to the checklist with one button, here or on the card back, and draft the borrower request email from what is still outstanding.
Attach files straight onto document rows. Big scans and phone photos compress themselves on your device before upload; e-signable forms are left byte-perfect so their signature anchors survive.
Press Send for e-signature and MUT builds the DocuSign envelope from the file: pick email delivery or the client portal's embedded signing, include the co-borrower when there are two, and optionally request documents inside the same envelope, so the client signs and uploads their void cheque in one sitting. When the client finishes, the signed PDF lands back on the document row on its own and the DocuSign steps tick themselves.
The compliance package
Every important file document, one PDF, in your order.
Near closing, press Combine files into one PDF in the Documents section. A panel lists every attached file: reorder with the arrows, untick anything that should stay out, and press Build. MUT assembles a single compressed PDF with a cover page listing the contents in your exact order, entirely on your device, and downloads it. Files the builder cannot include are named rather than silently dropped.
Linked files
Double files, connected properly.
When one client story spans two files, a refinance funding the down payment on a purchase, or several properties closing the same day on one rate offering, link them: File section, Linked files, + Link a file. The link is always mutual, both files note it in their timeline, and a linked count rides the list and the board card so double files are visible at a glance. The card back and the File section carry the chips that jump between them; unlink removes both sides at once.
The Duplicate file button beside the link control builds the twin for you: a new file with the borrower side copied, identities, contact details, incomes, employment, assets and liabilities, while the property, mortgage request, documents and stage start fresh. The two files are linked automatically, so a double file starts as a connected pair without retyping the client.
Bank statements
The down-payment audit trail, parsed without uploading anything.
In the Bank statements section, upload the client's statement PDFs. They are parsed on your device, the PDF never leaves the browser, and only the rows you confirm are saved. MUT reconciles opening balance plus transactions against the closing balance and says so plainly: reconciles to the penny, verify rows, or does not reconcile.
The analysis builds what an underwriter actually sources: the deposit ledger for the down-payment audit trail, large-deposit flags, and BFS cashflow. Verify deposits as you confirm their source and the verification hero shows total verified funds.
Credit bureau import
Equifax and TransUnion broker PDFs become liability rows.
In Assets and liabilities, press Upload bureau PDF and drop the broker-view report from Velocity, Equifax or TransUnion. Liabilities appear in a review panel first: check them, pick which borrower the bureau belongs to, and commit. Imported rows carry a CB tag and the bureau's payment rating.
The MOP chips translate ratings: a chip like "30 to 59d late" or "collection" means the bureau is reporting trouble, and those flags surface again as warnings in the underwriting notes, because a lender reads payment behaviour before anything else.
Underwrite and submit
From verdict to Velocity without retyping.
Press Underwrite now and MUT saves a dated verdict snapshot: qualifies, qualifies with conditions, needs more information, or declined, with the reasons, the missing pieces, and what would change the answer. Verdicts are append-only, so the file keeps its history.
Lender fit ranks where the file fits and why, check by check, with a Set as proposed lender button on each result. The note to lender is computed from the file, ready to edit and paste into Velocity's submission note. When the file is ready, the Velocity push creates the deal there directly; MUT warns you first if this file was already pushed.
Team, roles and the report
Whose file, your role, and where the money landed.
Every file records whose file it is (the File owner field: Stew, Jeff, Mark, Norb) and your role on it (underwriter or fulfillment). The owner rides every board card as a pill and an avatar, both fields appear as chips on the list, and both filter it.
Team access grants a teammate the file: fulfillment can edit documents, conditions and stage, and leave notes; viewers read. Granting lives in two places, and only the file's owner (or the master) sees them: the Team access panel in the File section of the deal page, and the same block on the card back. A grant is the teammate's account id (it comes from MDMT's licence manager), their name, and a role. Assigned files appear in the teammate's own Deal files list with their role shown, and each assignee rides the board card as an initials chip.
Escalate hands a shared file back to its owner. If your role on a file is fulfillment or viewer, an Escalate to owner button sits under the note composer in Notes & activity, and on the card back; owners do not see it on their own files. It asks for a short note, writes a distinct escalated entry into the file's timeline, and rings the owner's bell. The morning digests carry an escalations section too, so an escalation from the last day reaches the owner's inbox even if they missed the bell.
The Timeline at the bottom of Notes & activity is the file's full trail, grouped by day, newest first. Notes and escalations read as entries from their author, routine system updates stay visually quiet, and the forty most recent show first with a Show older button for the rest. Every entry carries its author's avatar: yours is your MDMT avatar, teammates render as coloured initials.
The Report view shows funded volume by closing month with year totals, and the commission statement per agent, applying each file's split. Closed and paid files feed it automatically.
Deal dates flow to the MDMT dashboard calendar too: closings and rate-hold expiries appear beside renewals and follow-ups, each linking back into the MUT file.