Digital Mortgage 2026 showcase: 20 lender AI solutions

Published September 21, 2026 3:01 PM

1 Min Read

The next wave of technology solutions for lenders is using artificial intelligence to significantly speed up workflows and supercharge loan officers' capacities.

Twenty mortgage companies vying for a $10,000 grand prize last week at the Digital Mortgage tech showcase highlighted their unique uses of AI to automate the loan lifecycle and promote newer and faster business opportunities. The 2026 demo lineup included familiar and new tech providers, who promoted strict adherence to compliance and quick implementation timelines.

Serving as judges were Julian Hebron, founder of the basis point; Christina Randolph, vice president of distribution and single-family acquisitions at Freddie Mac; and John Wines, chief strategy officer at Atlantic Bay Mortgage Group. They judged companies on factors including market relevance, proof of return on investment, and demo quality and salesmanship.

Read on to learn about the various digital solutions for lenders and servicers, including the top three entries.

John Lowenthal, vice president of sales at Ocrolus, speaks Tuesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

Ocrolus

Product: Ocrolus
Mortgage segment: Underwriting
Presenters: Rebecca Seward and John Lowenthal

The AI-powered company says its tools can shave an income analysis down from around 45 minutes to around 10 minutes. Ocrolus' Inspect tool checks against automated conditions and discrepancies detected in income and application data, while the Detect tool scans for fraudulent activity and displays an authenticity score specifying where a document may have been tampered. The company also assigns an internal Ocrolus underwriter to each lender user. Judges applauded the product's market relevance, and the fintech's bona fides in hiring its own underwriters.

Verse.ai

Product: Verse
Mortgage segment: Marketing
Presenter: Melanie Bivens

Described as "your best junior LO on steroids," the company says it engages constantly with customers to bring conversations back to a lender. Verse.ai reaches out to prospective borrowers via customizable text messages, emails and voicemails. The platform provides numerous metrics such as application amounts and time saved. Verse also suggests significant conversion improvements after a dozen messages to a single borrower. Judges praised the product's necessity in allowing an LO to be accessible around the clock.

Dawn Svedberg, executive manager of lending and fintech at CI&T, speaks Tuesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

CI&T

Product: Lending tech services
Mortgage segment: Marketing and underwriting
Presenters: Young Pham and Dawn Svedberg

Lenders only have to pay once for their CI&T-customized dashboard, which uses an AI assistant to create customized outreach to clients. The tools, which can also schedule calls or start prequalifications, are meant to help LOs handle more capacity. It sits on top of a lender's customer relationship management platform or loan origination system, marks the status of loans in a pipeline and flags issues. Judges liked the AI-powered pipeline management tools and the product's fit into a lender's tech stack.

Leah Sommerville, director of sales at DocMagic, and Ron Carillo, business development manager, speak Tuesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

DocMagic

Product: Compliance Edge
Mortgage segment: Compliance
Presenters: Leah Somerville and Ron Carillo

The tech firm's Compliance Edge product is an AI-powered search engine of complex mortgage issues. Users can treat it like a large language model and dive further into the deeply sourced answers. Users can also share searches, and the tool is optimized for mobile devices. Judges noted the need for a compliance tool more trustworthy than popular LLMs, and enjoyed the presenters' demo quality and salesmanship.

Mark Rubinstein, director of product management at UI Path, and Shekhar Chaudhari, director of software engineering, speak Tuesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

UI Path

Product: UI Path
Mortgage segment: Underwriting
Presenters: Mark Rubinstein and Shekhar Chaudhari

The product doesn't replace a lender's LOS or core systems, but extracts data from them and helps originators with pipeline management, quality assurance, and quality control. UI Path's pre-built agents help originators with high-judgment scenarios like address verification, or checking loans against a lender's specific policies. It also generates emails to connect with borrowers regarding loan issues, and UI Path generates audit documents to display its findings. Judges appreciated the platform's at-large dashboard and its emphasis on data quality.

Haven.tech CEO Jonathan Chao speaks Tuesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

haven.tech

Product: haven.tech
Mortgage segment: Servicing
Presenters: Jonathan Chao and Blake Clark

The servicing portal, now known as Haven.Tech, is a one-stop shop for homeowners to monitor their mortgage and consider loan options. The portal shows a wide swath of loan data and allows originators to also outline a borrower's home equity options. Users can also tap into a network of partners like home insurers and remodeling companies. Judges liked the idea of the "post-purchase wallet" and the consumer-grade UX geared for small- to mid-sized lenders.

Replay

Product: Servicing Transfer Exchange
Mortgage segment: Servicing
Presenter: Avery Arasin

The product by the payment solutions vendor automatically routes monthly mortgage payments to a new servicer, with minimal work by the original servicer. It integrates into companies' respective systems and generates automated payment reminders to borrowers. Judges were interested in learning about the average money savings, and lauded the clear user interface and market need.

Copperlane Chief Operating Officer Brianna Lin speaks Tuesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

Copperlane

Product: Penny
Mortgage segment: Underwriting
Presenters: Brianna Lin and Athan Zhang

The AI-powered mortgage product allows LOs to manage their pipelines on either copilot or autopilot mode, once a borrower submits an application. Penny can identify which documents are missing from a borrower's application and request them, with little or no review from the LO. The system provides a secure portal for borrowers to upload documents, and gives originators continuous updates. Judges appreciated that the company developed the software in consultation with dozens of LOs, and highlighted its goal to balance processing and prospecting workloads.

Inflooens

Product: Inflooens
Mortgage segment: Underwriting
Presenters: Mardi Clark and Mark Yoder

The Salesforce-native mortgage operating system sits alongside a lender's LOS. The system's Luna AI can analyze loan files, flag issues, answer guideline questions and predict approval risks. In a live demo, LunaAI worked alongside the LO in a borrower phone call to perform a credit pull in real time and capture other borrower details. Judges were intrigued by the unique user interface with the AI sitting alongside an LO on a borrower interaction.

Dustin Gray, chief architect at Cotality's OneHomeowner, presents Wednesday at the Digital Mortgage Conference in Las Vegas.

Andrew Martinez/National Mortgage News

Cotality

Product: OneHomeowner
Mortgage segment: Marketing
Presenters: Robin Clayton and Dustin Gray

Cotality's portal, optimized for mobile use, allows homeowners to connect with their insurer, lender and agent in one spot. Described as Carfax for the home, OneHomeowner displays deed transfers, tax assessments and mortgage payments. Homeowners can also reach out to service professionals from the application and schedule appointments. Judges liked the app's proactive approach to help lenders stay in front of borrowers, and the app's collection of homeowner data.

Authentive

Product: Authentive
Mortgage segment: Point-of-Sale
Presenters: Jose Chiarino

Authentive is an agentic-AI powered POS, which uses browser agents to help borrowers and lenders assemble an applicant's income information. The agents automatically gather employment data as a user logs into their work portals in a secure environment. The platform is also integrated with Encompass. Judges noted that Authentive can aid the underwriting hangups when a borrower has less than two years of employment history, and also liked its consumer-grade user interface.

Jacob Barra, enterprise account executive at Insyde.AI, presents Wednesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

Insyde.ai

Product: Insyde.ai
Mortgage segment: Underwriting
Presenters: Jacob Barra and Matthew Smith

Presenters explained how their platform can quickly generate loan offers from clients in around a minute, compared to some workflows that could take an hour. Insyde.AI connects a lender's tech stack and allows any worker involved in the loan process to access the file. An agentic AI workflow builder can analyze an LO's conversations and also generate emails to partners. Judges highlighted the quick implementation timeline of just one-to-two weeks.

Mike Romano, senior director of sales at JazzX, speaks Wednesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

JazzX AI

Product: JazzX AI
Mortgage segment: Underwriting
Presenters: Mike Romano and Jagjit Singh

The platform utilizes bots to assist originators across the loan lifecycle. A processor can see loan statuses in a unique, flowing visual dashboard, and Jazz can order third-party services and communicate with borrowers regarding missing documents. The platform's Knowledge Studio allows originators to edit a lender's loan guidelines, while Jazz includes audit trails of all of its work. Judges complemented the unique visualization of the loan pipeline, and the significance of the Knowledge Studio's edit capabilities.

MMI One

Product: MMI One
Mortgage segment: Marketing
Presenters: Kourtney Lane-Schafers and Amanda LeDuc

The mobile app, linked to an MLS, displays to an originator their current and "win-back" clients, and helps them draft tailored outreach. Originators can view referral partners' home sale statistics, and easily send messages to familiar or new agents. LOs can also send a "Property Pulse" report to prospective borrowers with information about their current housing market. Judges enjoyed how easy the platform is to use for LOs in any work environment, and lauded its prospecting capabilities.

Alpharun co-founder and CEO Paul Dornier presents Wednesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

Alpharun

Product: Alpharun
Mortgage segment: Coaching
Presenters: Paul Dornier

The platform analyzes LOs' borrower outreach to develop coaching based on the performance of top originators. Alpharun scores calls on a 1-5 scale, and explains an LO's shortcomings. It then distills its coaching and analysis into smaller, weekly coaching goals. The solution also has voice agents that can make phone call follow-ups to borrowers for simple requests like document questions. Judges were impressed with Alpharun's approach to base coaching off of the specific performance of a firm's best LOs.

Automat

Product: Automat
Mortgage segment: Underwriting
Presenters: Lucas Ochoa and Andy Rupert

The product deploys agents for numerous components of the loan lifecycle, automating processors' and underwriters' workflows. The bot screen records its cursor clicking through loan processing tasks and also generates a written report of its actions. Automat claims it can reduce disclosure preparations from hours to minutes, and takes 30 to 60 days to implement at a firm. Judges liked the quick implementation time but wanted to learn more about a human-in-the-loop.

LoNav

Product: Titan, Klara, and Navi
Mortgage segment: Underwriting
Presenters: Brandon Olson and Cheng Lo

The company combines its Titan CRM with its Navi Point-of-Sale and Klara referral pipeline management tools. The Titan CRM clearly identifies the steps which certain borrowers need to progress their loans. Klara highlights which leads have gone cold. The systems can help LOs draft property-specific approval letters with simple human approval, to minimize interruptions to LOs' workdays. Judges enjoyed the "gamification" of Realtor relationships in Klara, and LoNav's melding of the CRM and POS.

LenderHomePage

Product: Local Hero
Mortgage segment: Marketing
Presenters: Rocky Foroutan and Kwe Parker

The company helps loan officers enhance their personal webpages, by generating reports on their internet visibility. LOs enter their information and loan programs into Local Hero, and the platform enhances their local domain page for SEO visibility. The product also helps LOs create promotional videos with live scripts. Judges applauded the fast onboarding process and Local Hero's focus on compliance.

SocialCoach - Third Place

Product: SocialCoach
Mortgage segment: Marketing
Presenters: Joe Wilson and Kelly Yale

The app allows lenders to create a script and share it to its LOs for promotion. Originators can post to social media, send videos to their internal marketing teams for editing, or send it only to specific individuals. SocialCoach can also generate an SEO-optimized blog from each video. The platform also includes digital business cards. Judges lauded the emphasis on compliance, and the goal to ease video marketing for LOs who may be hesitant to do so.

Insellerate founder and CEO Josh Friend speaks Tuesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

Insellerate - Second Place

Product: Athena
Mortgage segment: Marketing
Presenter: Josh Friend

The phone app helps loan officers manage their calendar and pipeline from across their tech stacks. An originator can reach out to customers with marketing materials created in Athena, and the app flags transactions that need addressing. Athena includes market intelligence about a lender's real estate partners, such as the number of deals an LO has done with a particular agent. Judges appreciated the idea of "weaponizing" an LO's pipeline, Athena's ease of use and understanding of an LO's perspective.

Mark Ramirez, principal product architect at Mezzo, and Jina Choi, president of Mezzo, present Tuesday at the Digital Mortgage conference in Las Vegas.

Andrew Martinez/National Mortgage News

Mezzo - First Place

Product: Mezzo VOX
Mortgage segment: Underwriting
Presenters: Jina Choi and Mark Rodriguez

Mezzo's VOX, or Verification of Everything, charges a single flat fee per loan, no matter how many verifications a lender orders. Originators don't need to intervene manually as Mezzo VOX runs through vendor verifications in minutes. It displays every verification response, including those that time out, and an AI agent explains which part of the verification waterfall failed. It pushes information into an LOS, and includes an ROI display on how efficient each loan runs. Judges lauded the platform's mission to reduce waste in verification reports.

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