AI roundup: 16 mortgage tech updates lenders should know

Published June 26, 2026 4:23 PM

1 Min Read

With the rapid advancement of artificial intelligence, companies are constantly rolling our new products.

This month, multiple companies in the mortgage industry leveraged AI to increase efficiency, integrated with other companies and consolidated processes to improve borrower experience. Pennymac partnered with Amazon Web Services on AI voice agents and Intercontinental Exchange is joining a high-profile Anthropic initiative to bolster cybersecurity.

The following is a roundup of some other recent news from those looking to help lenders and consumers in different ways.

ICE launches fraud detection tool for underwriters

Intercontinental Exchange launched ICE Fraud Monitor, a mortgage fraud and property research solution integrated with its Encompass loan origination system. The tool consolidates fraud risk scoring and property data into a single dashboard, reducing the need for underwriters to access multiple vendor portals, the company said.

The tool incorporates configurable risk scoring and monitoring capabilities that lenders can tailor to internal policies. It integrates data from ICE SiteXPro property records, credit and employment validation sources, exclusionary lists, watchlists and third-party fraud tools. The solution maintains audit trails with automated recordkeeping, user permissions, time-stamped condition clearances and compliance reporting.

Newrez partners with Matic, adds insurance comparison to portal

Newrez integrated digital insurance marketplace Matic into its HomeHub customer portal, allowing borrowers to compare homeowners insurance quotes and assess coverage options in real time. The partnership addresses rising insurance costs, which have increased 64% nationally from 2021 to 2025, according to Newrez data.

The integration enables homeowners to shop for coverage, evaluate their insurance risk profile and review policy protection scores within HomeHub. Newrez customers who switched carriers through Matic last year saved an average of $928 annually on premiums, the company said.

HomeHub, launched in the fourth quarter of 2025, consolidates loan information, refinance offers, home equity tools, property listings and insurance services into a single platform.

Rate announces free home equity monitoring tool

Rate introduced Rate Home Equity Alert, a free utility that monitors homeowners' equity positions and sends notifications when equity increases could enable financial decisions such as debt consolidation or home improvements.

The tool aims to help homeowners track equity that often accumulates without visibility until a refinance or sale occurs. Goldman Sachs estimates $34 trillion in untapped equity nationwide, with the average homeowner holding roughly $295,000, according to Scotsman Guide.

The service alerts users when equity growth creates opportunities to access value, including through home equity lines of credit available through Rate.

Zillow debuts hub to consolidate home buying process

Zillow launched a personalized hub designed to guide home buyers through the purchasing process from initial search to closing. The mobile platform consolidates budget planning, home search, offers and closing tasks in a single interface that updates automatically as transactions progress.

The hub includes BuyAbility, a real-time affordability tool that calculates price ranges and monthly payments based on live mortgage rates, along with local market data and agent and lender contact information. The platform tracks four milestones and advances automatically when buyers complete steps such as pre-approval or going under contract.

The company also introduced three features: Zillow Preview, which allows sellers to market unlisted homes to Zillow's full audience; integrated shopping with Zillow Home Loans Verified Pre-approval that displays affordability on each listing; and shared collections for co-buyers to coordinate searches.

The hub is available on iOS and Android, with web access coming later. More than 1,200 brokers nationwide participate in the preview program.

TrustEngine upgrades ICE Encompass integration

TrustEngine announced enhancements to the integration between its MortgageCoach borrower presentation platform and Encompass by ICE. The update enables loan officers to generate personalized loan comparisons directly within Encompass using live loan data, eliminating manual entry and reducing scenario creation time.

The integration allows loan officers to create side-by-side comparisons of loan options showing short- and long-term financial impacts. Officers can also create annotated videos to explain options before borrower conversations and generate single loan presentations for borrower records.

New features include automated scenario creation logic, an embedded AI loan officer assistant with chat summaries that surface borrower insights, in-app presentation tools with video messaging and customizable layouts, real-time data connectivity with Encompass and enhanced fee handling aligned with compliance requirements.

Ardley launches self-service platform for servicers

Ardley, a mortgage technology company, launched a new platform, called Ardley Platform, a self-service tool that allows mortgage servicers to analyze loan portfolios and identify origination opportunities without relying on the vendor's internal team. The platform combines capabilities from Ardley's analytical engine, Ardley Intelligence, and its borrower engagement engine, Ardley Advantage, into a centralized hub.

The system analyzes entire portfolios to identify which borrowers qualify for specific loan programs, applying real-time pricing based on current rates and each lender's cost structure. Servicers can customize borrower outreach campaigns, adjust pricing parameters and manage leads from start to finish within the platform.

Blue Sage Solutions expands AI across mortgage platforms

Blue Sage Solutions, a cloud-native mortgage technology provider, expanded AI capabilities across its lending and servicing platforms. The company's Blue Sage AI framework integrates document analysis, workflow automation and conversational AI directly into its lending systems.

The expansion includes enhancements to three products:

SageVision, an intelligent document analysis tool that automates classification and extraction across mortgage documents while performing cross-document validation to identify data mismatches;
UW Studio, which adds automated condition management and guideline evaluation to help underwriters identify inconsistencies and potential risk indicators;
and Voice AI, which enables automated servicing interactions, including post-transfer welcome calls with sentiment analysis and identity verification.

The embedded AI tools aim to reduce manual workflows and surface compliance issues earlier in the lending process. All AI-assisted actions remain logged and auditable within the platform.

Friday Harbor integrates with MeridianLink Mortgage

Friday Harbor, an AI preunderwriting platform, integrated with MeridianLink Mortgage to help origination teams identify and resolve loan file issues before underwriting. The integration keeps loan data synchronized between both systems, reducing manual rework and providing visibility into file readiness throughout the origination process.

Friday Harbor analyzes borrower documents, appraisals and income calculations against investor guidelines and lender overlays, allowing loan officers and fulfillment staff to catch missing documentation, discrepancies and guideline conflicts before they become conditions. The technology aims to compress cycle times and enable lenders to handle higher loan volumes without adding staff.

MeridianLink Mortgage is a cloud-based loan origination system used by banks, credit unions and independent mortgage banks to manage the mortgage lending process from application through closing.

Friday Harbor also expanded its capabilities to include condominium and manufactured home loans, which represent nearly 8% of mortgage originations. The platform evaluates property-specific eligibility requirements before files reach underwriting, addressing documentation challenges that typically slow the origination process.

Condo reviews typically require evaluation of project questionnaires, budgets, insurance coverage and reserve funding. Manufactured home loans involve additional requirements related to titling, foundation standards and property classification. Both property types require specialized reviews that add time and complexity to standard mortgage workflows.

Blend expands MeridianLink integration across products

Blend Labs expanded its integration with MeridianLink to cover mortgage, home equity and consumer lending products, enabling lenders to share data more efficiently between the platforms. The integration now spans MeridianLink Consumer, MeridianLink Mortgage and DecisionLender systems.

The partnership allows lenders using Blend's digital application platform to feed verified data directly into MeridianLink's loan origination system, supporting products including personal loans, credit cards, direct auto and specialty vehicle financing. The integration aims to reduce onboarding time while maintaining compliance requirements.

Tavant launches platform for AI-driven mortgage automation

Tavant launched a new platform that uses AI coding agents to help mortgage lenders build and deploy automation solutions.

The platform, called Tavant Platform, combines engineering tools built on AI coding agents, an optional runtime foundation and domain-specific capabilities for mortgage lending and equipment finance. The system aims to reduce development costs and implementation time for custom applications while allowing lenders to avoid vendor lock-in.

The platform uses what the company calls "agentic engineering," where AI agents generate software and automate processes with minimal manual coding. Lenders can use Tavant's technology stack or integrate the platform with their existing systems.

The platform includes options for legacy system modernization, business process automation and custom application development. Tavant said clients can obtain source code to maintain independence from the vendor's proprietary infrastructure.

The company provides implementation services and staff trained in the platform's AI engineering approach.

Truepic integrates with Cotality for virtual inspections

Truepic, a visual risk intelligence provider, integrated its Vision platform with Cotality's Mercury Network and Collateral Management System platforms. The integration allows lenders to order authenticated virtual property inspections within their existing workflows.

The integration supports home equity evaluations, 1004D final inspection alternatives, disaster documentation, default servicing and construction draws. Borrowers, agents or other parties receive a secure link to complete guided inspections using mobile devices. The Truepic Vision platform captures images and videos with fraud detection, authentication testing and metadata verification including geolocation, timestamp and tamper detection.

"By embedding Vision directly into Mercury and CMS, lenders and servicers can automate inspection ordering and review without leaving their core systems," said Sage Nichols, senior vice president of Cotality's Collateral Solutions.

The integration reduces inspection turnaround times from days or weeks to hours while automating ordering and review processes. It aims to help lenders scale remote inspection capacity while addressing AI-generated fraud risks and maintaining compliance for investor and regulatory requirements.

The integration will be available in both Cotality platforms later this year.

LoanCare launches white-label subservicing integration

LoanCare, a national mortgage subservicer and part of Fidelity National Financial, released Coresync, an API-based solution that allows independent mortgage banks, banks and credit unions to embed subserviced loan data directly into their own digital platforms. The technology eliminates the need to redirect borrowers to separate websites for mortgage servicing functions.

The integration enables borrowers to make payments, transfer HELOC funds, set up autopay, view balances, review amortization schedules, access documents and request payoff quotes within their lender's existing mobile apps, websites and online banking portals. The system also provides real-time data access to branch staff.

According to Dave Worrall, president of LoanCare, previous private-label subservicing models created "digital speed bumps" when customers were redirected to other sites, potentially undercutting client branding and creating consumer confusion.

Climative launches platform for mortgage lenders

Climative launched a digital customer engagement platform in the United States designed to help retail mortgage lenders connect homeowners with financing for energy efficiency and climate resilience upgrades.

The platform combines property-level energy and climate risk data with upgrade recommendations and financing options, delivered through a customizable, co-branded digital experience. Lenders can use the system to retain existing customers by providing personalized home performance assessments, generate leads by identifying upgrade-ready properties and differentiate their brands as advisors on home affordability and resilience.

Core features include a customer portal, API integration, personalized upgrade recommendations, energy savings projections and financing guidance.

Candor integrates Argyle for faster income verification

Candor Technology integrated with Argyle to deliver payroll-based income and employment verification directly into its Loan Engineering System. The integration enables lenders to receive automated underwriting decisions in less than 60 seconds by eliminating manual document processing steps.

The system allows borrowers to share real-time, consumer-permissioned data from payroll providers through Argyle, which flows directly into Candor's decisioning platform. The technology evaluates information against GSE guidelines and investor overlays to calculate qualifying income and clear conditions without document extraction.

Lenders using the integration gain direct-source data verification, reducing PDF extraction errors and fraud risk. Automated decisions include loan warranties backed by a AAA-rated insurer. The integration operates within existing loan origination systems without workflow changes.

Morningstar enables AI queries of CMBS data via Claude

Morningstar Credit Analytics integrated its commercial real estate and commercial mortgage-backed securities data with Anthropic's Claude AI platform, allowing licensed users to query loan- and deal-level information using natural language within AI workflows.

The integration uses Model Context Protocol to maintain existing data governance and entitlement controls while enabling analysts to access commercial mortgage-backed security loan performance, pool composition and monthly surveillance data across conduit, single-asset, single-borrower, commercial real estate collateralized loan obligations and agency structures. Users can query delinquency status, watchlist activity, special servicing flags and tranche-level analytics without switching platforms.

The integration requires no custom engineering for licensed users to connect Claude to the Morningstar Credit Analytics MCP server. Because MCP is an open standard, the architecture supports future interoperability as AI platforms evolve.

eRESI partners with Guideline Guru on AI guideline tool

eRESI announced a partnership with Guideline Guru to provide its correspondent clients complimentary access to an AI-powered guideline search platform focused on non-QM lending.

The tool enables mortgage professionals to search loan guidelines and receive answers in real time, reducing manual research time when evaluating loan scenarios. eRESI clients will receive free access to search eRESI guidelines, with optional paid upgrades available for expanded agency and investor guideline coverage.

eRESI plans to expand Guideline Guru access across its correspondent client base as part of its technology investment strategy.

Truv integrates with Pylon’s mortgage platform

Truv, a provider of consumer-permissioned income, employment and asset verification, integrated with Pylon's autonomous mortgage origination platform to enable real-time verification.

The unification allows borrowers to connect their payroll accounts once to verify income and employment programmatically, eliminating manual document uploads and enabling instant conditional approvals. Truv's verification is approved by Fannie Mae for Day 1 Certainty and Freddie Mac for Asset and Income Modeler, meaning results often require no additional conditions to clear.

Point Predictive expands income verification product

Point Predictive enhanced IEValidate True Income and Employment, its income and employment verification technology that now provides analysis on all loan applications without requiring paystubs or consumer logins. The consumer lending risk solutions provider said the system returns results in less than a second.

The platform draws from 387 million consumer income records and 26 million employer profiles. Lenders using IEValidate have reduced paystub requests by up to 60% to 70% and improved loan capture rates by up to 50%, according to the company.

IEValidate offers three levels of income intelligence. The Observed Income Report validates income, employer, occupation and job tenure when direct borrower data exists. When no direct match is available, a Modeled Income Report uses 114 billion data risk attributes to assess whether stated income is reasonable based on occupation, employer and location.

The system flags applications with elevated default risk and checks employers against a database of more than 16,000 known fraudulent companies.

nCino adds AI eligibility tool to mortgage platform

NCino, the platform for agentic AI banking, launched Loan PreCheck, an AI underwriting tool within its Mortgage Point of Sale solution that evaluates borrower eligibility against Fannie Mae, Freddie Mac, FHA, VA and USDA guidelines when an application is submitted and credit is pulled.

The company's tool cross-references borrower profiles against all five guideline sets and returns a confidence-scored assessment for each agency. It flags specific issues such as low credit scores or high debt-to-income ratios with citations to relevant guideline sections and recommends the best-fit loan program for eligible GSEs.

When combined with an automated underwriting system and nCino AUS Smart Tasks, the workflow extends from program selection through to a summary of underwriting findings and suggested tasks. Loan officers can address tasks individually or use templates to automate common conditions.

Veros launches image recognition tool for property condition

Veros Real Estate Solutions, an enterprise risk management and collateral valuation provider, launched VeroVision, a tool that analyzes property photos to generate objective condition assessments. The technology scores individual rooms and the overall property, producing a Veros Home Score that the company reports has a 93% correlation with human appraiser condition ratings and 97% United States residential coverage.

The tool addresses a longstanding limitation in automated valuation models, which have struggled to account for property conditions. VeroVision is available as a standalone product for single properties and as an add-on to Veros' existing analytics solutions, including its VeroValue AVM.

The technology aims to help originators and servicers automate property condition validation, allow investors and rating agencies to assess condition across loan portfolios, and enable appraisers to verify condition ratings. Property managers can use it for inspection planning, while insurance underwriters can apply it to risk modeling.