Human-AI Co-Decisioning System for Mortgage Underwriting

Initial release of the Human-AI Co-Decisioning System : a research-driven microservices-based PoC integrating:

• Rule-based decision automation
• Machine Learning with SHAP explainability
• Fairness auditing and bias detection
• Manual underwriter overrides with retraining loop

This version supports:

• End-to-end mortgage application workflow
• Transparent decision logs and override tracking
• Docker Compose deployment with 6 services
• Postman collection and OpenAPI (Swagger) docs
• ML model retraining and version backup

Developed as part of a 2025 research publication submission.

This version is intended for archival and citation via Zenodo DOI.