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| Main Authors: | , , , , |
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| Format: | Preprint |
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2025
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| Subjects: | |
| Online Access: | https://arxiv.org/abs/2511.21101 |
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| _version_ | 1866912754829361152 |
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| author | Jain, Manish Ponnambalam, Satheesh Kumar Faroz, Salman Lns, Chandrakanth Sharma, Vinay |
| author_facet | Jain, Manish Ponnambalam, Satheesh Kumar Faroz, Salman Lns, Chandrakanth Sharma, Vinay |
| contents | Large Language Models (LLMs) demonstrate exceptional capabilities across general domains, yet their application to specialized sectors such as mortgage finance requires domain-specific knowledge augmentation while preserving instruction-following fidelity. We present MortgageLLM, a novel domain-specific large language model that addresses this dual challenge. It is developed using a dual-track specialization framework from a single base model (LLaMA-3.1-8B). We opted for this dual-expert approach as a single multi-task model suffers from performance trade-offs, where optimizing for structured tasks (via SFT) degrades conversational fidelity (via DPO). Our dual-track method solves this by creating two specialists, allowing each to be optimally trained for its distinct capability. Our approach applies the instruction residual technique to restore instruction-following capabilities post-domain adaptation without supervised fine-tuning. We contribute: (1) application of this residual technique to the highly specialized mortgage finance domain; (2) a dual-expert architecture combining a conversational Q&A model and a structured task model for classification and summarization; and (3) an intelligent task routing mechanism using few-shot classification performed by one of the expert models itself. We validate our approach on domain-specific benchmarks, where our final model (MLM v2) significantly outperforms the base LLaMA-3.1-8B-Instruct, achieving an LLM-as-a-Judge summarization score of 4.58 (vs. 3.99), a Q&A score of 4.09 (vs. 4.0), and a classification score of 2.6 (vs. 1.2). On semantic similarity, our model achieved a BERTScore of 0.77 for summarization (vs. 0.74), 0.68 for Q&A (vs. 0.58), and 0.75 for classification (vs. 0.73), substantially outperforming baseline approaches. |
| format | Preprint |
| id |
arxiv_https___arxiv_org_abs_2511_21101 |
| institution | arXiv |
| publishDate | 2025 |
| record_format | arxiv |
| spellingShingle | Mortgage Language Model: Domain-Adaptive Pretraining with Residual Instruction, Alignment Tuning, and Task-Specific Routing Jain, Manish Ponnambalam, Satheesh Kumar Faroz, Salman Lns, Chandrakanth Sharma, Vinay Computation and Language Machine Learning Large Language Models (LLMs) demonstrate exceptional capabilities across general domains, yet their application to specialized sectors such as mortgage finance requires domain-specific knowledge augmentation while preserving instruction-following fidelity. We present MortgageLLM, a novel domain-specific large language model that addresses this dual challenge. It is developed using a dual-track specialization framework from a single base model (LLaMA-3.1-8B). We opted for this dual-expert approach as a single multi-task model suffers from performance trade-offs, where optimizing for structured tasks (via SFT) degrades conversational fidelity (via DPO). Our dual-track method solves this by creating two specialists, allowing each to be optimally trained for its distinct capability. Our approach applies the instruction residual technique to restore instruction-following capabilities post-domain adaptation without supervised fine-tuning. We contribute: (1) application of this residual technique to the highly specialized mortgage finance domain; (2) a dual-expert architecture combining a conversational Q&A model and a structured task model for classification and summarization; and (3) an intelligent task routing mechanism using few-shot classification performed by one of the expert models itself. We validate our approach on domain-specific benchmarks, where our final model (MLM v2) significantly outperforms the base LLaMA-3.1-8B-Instruct, achieving an LLM-as-a-Judge summarization score of 4.58 (vs. 3.99), a Q&A score of 4.09 (vs. 4.0), and a classification score of 2.6 (vs. 1.2). On semantic similarity, our model achieved a BERTScore of 0.77 for summarization (vs. 0.74), 0.68 for Q&A (vs. 0.58), and 0.75 for classification (vs. 0.73), substantially outperforming baseline approaches. |
| title | Mortgage Language Model: Domain-Adaptive Pretraining with Residual Instruction, Alignment Tuning, and Task-Specific Routing |
| topic | Computation and Language Machine Learning |
| url | https://arxiv.org/abs/2511.21101 |