As the spring and summer homebuying seasons come to a close, companies in the mortgage industry are increasingly turning to artificial intelligence to improve workflows and cut costs.
Twenty companies displayed their unique uses of AI to automate the loan lifecycle at the
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eLend partners with AI renovation platform Ready4Remodel
National residential mortgage lender American Financial Resources, also known as eLend, has joined forces with Ready4Remodel, an AI-powered renovation technology platform, to help mortgage brokers introduce renovation financing earlier in the homebuying process.
Ready4Remodel provides AI-generated before-and-after visualizations, property-specific renovation cost estimates and monthly payment calculations. The platform addresses common barriers that prevent borrowers from considering renovation loans by helping them visualize possibilities and understand financing implications upfront.
For mortgage brokers, the technology creates opportunities to help homebuyers recognize potential in properties they might otherwise dismiss. The lender is covering platform access costs for its partners and their borrowers.
Figure, Sierra team up to deploy AI loan agents
Figure Technology Solutions partnered with Sierra to deploy AI agents that reengage stalled home equity line of credit applicants, addressing an industry challenge where HELOC closing pull-through averaged just 49% in 2024. The collaboration represents the first U.S. deployment of Sierra's Horizon platform, which enables AI agents to handle complex, multi-day tasks.
The Figure Agent operates autonomously via voice and SMS to guide borrowers through friction points including credit checks, identity verification and account linking before transferring them to loan officers. The companies said early results showed stalled applicants who interacted with the agent progressed through individual stages at rates 30% to 52% higher than those who didn't. Borrowers engaging with the agent funded 67% more loan volume, while combining AI agents with loan officers produced a 143% lift in funded loan conversion compared to loan officers working alone.
Figure plans to make the integration available to network partners in coming months.
Realsy adds AI photo analysis to property evaluations
Realsy launched a property evaluation platform that automates quality and condition assessments through a partnership with Restb.ai, a Clear Capital subsidiary specializing in computer vision technology for real estate.
The platform applies appraiser methodology including comparable selection, paired sales analysis and line-item adjustments. Through the Restb.ai integration, it analyzes property photos to generate quality and condition scores for subject properties and comparables, feeding those assessments into adjustment calculations.
The evaluation service targets real estate agents pricing listings, homeowners checking equity, lenders conducting preliminary valuations on low-risk properties and estate and legal professionals. Reports display selected comparables, adjustments and reconciliation logic.
ClearValue attaches AI property assessment to Acuity platform
ClearValue Consulting has integrated Restb.ai's Complexity Assessment tool into its Acuity platform to help lenders and appraisal management companies identify complex properties earlier in the appraisal process.
The integration uses computer vision and property intelligence to analyze property photos and provide property-level insights when an appraisal assignment is created. This information helps lenders and appraisal management companies determine which assignments may require appraisers with additional experience, specialized knowledge or specific licensing.
The tool also provides structured data to support quality control, risk management and assignment consistency. Users can evaluate complexity trends across markets, loan programs, clients and geographic regions.
AppraisalWorks, Accurate Group join HomeVision on AI
AppraisalWorks, a provider of collateral management systems, and Accurate Group, a national appraisal management company, partnered with HomeVision to integrate AI-powered appraisal review technology into lender workflows. The collaboration embeds HomeVision's automated review capabilities directly into existing valuation management systems, allowing lenders to access the technology without changing platforms.
The integration aims to reduce loan processing costs and turnaround times while identifying appraisal defects earlier in the loan lifecycle. The partnership also supports lenders preparing for the transition to UAD 3.6.
By automating traditionally manual review processes, the technology helps lenders identify potential repurchase risks and collateral concerns before loans close. HomeVision's platform examines appraisal photos, maps, floor plans and text, integrating with loan origination systems and external data sources.
Sun West and AngelAi launch enterprise AI platform
Sun West Mortgage Company and AngelAi have rolled out Angel Agents, a multi-tenant AI deployment system designed to reduce infrastructure costs while maintaining data privacy. Built on the OpenClaw platform, the architecture allows thousands of users to share a single system with individual data separation.
The deployment takes approximately 60 seconds from sign-up to operation and requires no hardware installation or IT support. The system operates through Angel Points rather than cash subscriptions, with users able to earn points through platform use.
The platform provides market analysis, business planning tools, content generation and task management capabilities. For mortgage lending, it features a Transactional Language Model architecture developed by Celligence that processes investor rules, borrower context and guidelines to produce auditable decision paths.
GenWay deploys Tavant automation for non-QM lending
GenWay Home Mortgage has implemented Tavant's Touchless automation platform to streamline origination workflows across its non-QM and Ginnie Mae lending operations.
The lender deployed six underwriting automation products within three months, targeting faster loan processing and improved operational efficiency. The platform provides intelligent data and document processing, workflow automation and guided task execution designed for non-QM and government lending requirements.
Tavant, an AI transformation platform provider, said the implementation gives GenWay a scalable foundation to support its product mix and modernization plans. The agreement also expands its presence in lending automation.
Ocrolus integrates with Freddie Mac's AIM Check API
Ocrolus, a vertical AI workflow and analytics platform for lenders, has merged with Freddie Mac's AIM Check application programming interface. The integration allows lenders to receive early borrower income assessments from Freddie Mac's Loan Product Advisor asset and income modeler during preapprovals.
The integration works within Ocrolus Analyze, submitting extracted income data from W-2s and pay stubs already captured by Ocrolus to AIM Check. Lenders can assess income before completing a full loan product advisor submission without duplicate data entry, using documents already in the loan file.
The integration addresses income data collection and assessment, which remain among the most manual and time-intensive steps in mortgage origination. Lenders can streamline income calculations, reduce manual effort and improve efficiency while increasing confidence in income assessments.
Friday Harbor incorporates Freddie Mac income calculator
Friday Harbor, a preunderwriting platform, has integrated the Freddie Mac Income Calculator API into its system. The integration allows lenders to calculate monthly income for wage earners, including borrowers with variable income, while maintaining eligibility for representation and warranty relief tied to income calculations.
The platform automatically digitizes borrower paystubs and W-2s from loan origination systems or direct uploads. Using this data, the Freddie Mac Income Calculator API determines calculated monthly income while Friday Harbor identifies potential issues against Freddie Mac Single-Family Seller/Servicer Guide requirements. The system retains the Freddie Mac Income Calculator Certificate with the loan file to help preserve representation and warranty relief eligibility.
Friday Harbor now supports automated income assessments for loans delivered to both Freddie Mac and Fannie Mae.
Candor Technology launches document validation engine
Candor Technology, an Alpharetta, Georgia-based provider of automated underwriting technology, released Candor DI, a document intelligence engine that validates loan data at intake before files reach underwriting.
The system automatically splits, classifies and routes borrower documents into loan origination system folders, then cross-references extracted data against the uniform residential loan application, credit reports, automated underwriting findings and supporting documents to identify discrepancies. The goal is to reduce processor rework and cycle times by catching data errors earlier in the workflow.
Candor DI operates as a standalone product, through application programming interface integration or embedded within Candor's Loan Engineering System. The company designed the tool to comply with Fannie Mae and Freddie Mac AI guidelines, including documented validation controls and source-level audit trails.
Erin Devaney of The Federal Savings Bank said the system saves approximately 15 to 20 minutes per loan file previously spent on manual document indexing and classification.
Mezzo and Vesta partner to automate vendor selection
Mezzo and Vesta announced an integration designed to help lenders automate third-party vendor selection and access. The integration allows lenders using Mezzo's platform to select service providers dynamically based on cost, performance and profitability metrics for individual loans. The system documents return on investment for each transaction.
For third-party vendors, integration with Mezzo provides access to lender workflows without requiring separate integrations with each institution. Vendors become available directly within the workflow rather than through a marketplace model.
The companies said the integration changes the economics of third-party mortgage services by giving lenders more strategic control over vendor decisions while expanding distribution opportunities for service providers.
Cindie rolls out AI platform for mortgage communications
Cindie, an artificial intelligence platform for mortgage companies, announced its launch with technology designed to automate borrower communications and routine operational tasks.
Founded by mortgage industry specialist Ben Anderson, the platform handles lead engagement, borrower communication, application assistance, document collection, workflow support and post-closing client relationship maintenance. The system is designed to automate routine activities while keeping licensed mortgage professionals responsible for lending decisions.
Features include after-hours lead response, appointment scheduling, document follow-up, milestone communications and management reporting for pipeline activity and team performance.
Cindie said 11 mortgage companies currently use the platform in production, supporting 194 loan officers and more than 12,354 borrowers.
Keller Williams partners with Rejig.ai on marketing tool
Keller Williams teamed up with Rejig.ai to provide affiliated agents with an AI-powered marketing assistant that automates content creation and social media management. The collaboration supports the franchise's open technology strategy announced in February for Command, its customer relationship management platform.
The tool generates hyperlocal, agent-branded posts, videos and market reports, and automatically creates marketing content when listings enter the multiple listing service. Agents review and approve materials before publication. Features include automated listing marketing throughout the sales lifecycle, local news and event monitoring, housing market reports at county and neighborhood levels, and a seven-day content planner.
San Francisco Bay Area-based Rejig.ai reports agents can save more than 10 hours weekly on social media activities.
