AZP Trust Platform™
AI Mortgage Technology Certification Framework
The AZP Trust Platform™ is a mortgage-specific certification framework designed to evaluate the governance, controls, operational maturity, transparency, and risk management practices surrounding AI-enabled and other advanced mortgage technologies.
The framework was developed by AZP Insurance Specialists based on decades of experience evaluating mortgage fraud, quality control, representation and warranty exposure, operational risk, and technology-related mortgage risk.
Purpose of the Certification
The AZP Trust Platform™ provides a structured assessment of the operational environment surrounding AI-enabled mortgage technology. The objective is to provide lenders, technology providers, investors, insurers, and other mortgage market participants with an independent mortgage-risk perspective when evaluating emerging technology.
The certification focuses on how technology is governed, controlled, monitored, and implemented within an operational mortgage environment.
Certification Evaluation Areas
The assessment considers areas relevant to responsible deployment and operation of AI-enabled mortgage technology, including:
AI governance, accountability, and ownership;
Degree of AI influence within mortgage workflows;
Intended use and operational boundaries;
Data governance and information integrity;
Testing, validation, and performance monitoring;
Human oversight, review, and escalation processes;
Transparency, documentation, and auditability;
Change management and ongoing governance;
Third-party risk management; and
Incident identification, investigation, and remediation.
Institutional Insurance Perspective and Potential Risk Transfer
The AZP Trust Platform™ was developed to provide an independent mortgage-specific assessment of AI-enabled technology risk, including governance, controls, transparency, human oversight, and operational maturity.
A key distinction of the AZP model is the connection between technology risk assessment and potential risk transfer. Where applicable, successful completion of the AZP Trust Platform™ certification process may provide additional information and transparency to support evaluation for insurance solutions offered through AZP.
AZP’s insurance solutions utilize established insurance market capacity, .Certification grades enable the issuance of a full scope representation and warranty Lloyd’s of London insurance policy and underwritten by Munich Re, subject to applicable underwriting review, policy terms, conditions, limitations, and exclusions.
What Certification Means
AZP certification reflects the organization’s demonstrated governance, controls, operational maturity, and risk management, based on the information reviewed within a defined assessment scope. Higher levels reflect stronger demonstrated practices across the areas evaluated.
Certification does not guarantee technology performance, regulatory compliance, loan performance, financial results, or the absence of future errors or losses. It does not determine insurance coverage or guarantee insurance availability. Insurance remains subject to separate underwriting review and applicable policy terms.
Confidential Methodology
The AZP Trust Platform™ certification framework, including its proprietary assessment methodology, weighting, scoring approach, and evaluation processes, is confidential and proprietary to AZP Insurance Specialists.