MortarBench D
AI benchmark · Finance
- Publisher
- Paper Arxiv
- Tier
- D why
- Snapshot
What is MortarBench?
Loan origination is the process by which a lender creates a new loan, from application and underwriting through approval and funding. This process serves a critical role in evaluating the eligibility and level of risk posed by an applicant. Recently, firms have begun using mortgage loan agents to augment human loan officers, despite a lack of any public benchmark. To fill this gap, we present MortarBench, a loan origination agent benchmark. MortarBench uses a financial data synthesis and mutation pipeline to generate examples with broad edge case coverage that match real-world distributions and questions. We find that state-of-the-art large language models (LLMs) perform poorly, with closed-source models achieving at most 77.1\% exact match accuracy. We also discover systematic biases in LLM perception of foreignness related to non-English names. Noting these weaknesses, we introduce CRIT, a confidence calibration framework. Our method increases accuracy to 80.5\% while improving risk management steering and reducing bias.
Tier D
Long tail: little or no usage data yet.
How much stands behind a tier: usage, who backs it, a confirmed line from its own site or paper, and a clear read on X. High with three of the four, medium with two, low otherwise.
- 3 models scored
- fewer than 5 models scored
- in curated RL directories (1 pt)
How we got to tier D
- Adoption: 3 models scored; fewer than 5 models scored. Tier D.
- Not yet read on X.
- In curated RL directories: 1 point, a floor of none.
- Not yet confirmed by a line from its own site or paper.
A clear view on X moves a tier one step up or down; most entries don't move. How tiers work.
Not on the map yet: no line from its own site or paper places it in a domain.
Next: browse all benchmarks. Entry from the RL Research daily scrape of public sources, 2026-10-11 snapshot.