The 2025 Game Changer Award Winners Are …

In the mortgage industry technology providers are working tirelessly to resolve industry problems for their clients. As a result, we are recognizing new products or updates of existing products that solve a real industry sticking point and improve the mortgage process for the better. Specifically, PROGRESS in Lending is recognizing new solutions and new advances to existing solutions that reshape the mortgage industry and improve the lending process. The 2025 Game Changer Award Winners in alphabetical order are:

For decades, verifying a borrower’s income and employment has been one of the mortgage industry’s most persistent friction points: costly, inefficient and frustrating for everyone involved. Traditional verification methods rely on outdated databases or time-consuming back-and-forth with employers. These processes fail to reflect the realities of today’s workforce and introduce unnecessary delays, errors and costs into the lending process. Argyle offers a transformative alternative. As a real-time, consumer-permissioned payroll connectivity platform for mortgage lending, Argyle replaces static third-party databases and manual paperwork with live, direct-source access to over 90% of the U.S. workforce. When a borrower authorizes Argyle, the lender receives instant, secure access to verified income and employment data and documents pulled directly from employer and payroll systems—no faxing, scanning or phone calls required. By enabling a truly automated VOIE experience, Argyle delivers both operational and strategic benefits. Lenders using Argyle reduce verification costs by 60–80%, cut 5–7 days off loan processing timelines and improve pull-through. Because the data is complete, refreshable and sourced directly from payroll systems, lenders also report a higher rate of rep and warrant relief eligibility, translating to fewer defects, better loan salability and reduced secondary market risk. More than just a tool, Argyle represents a new model for income and employment data: one that prioritizes accuracy, a great borrower experience and lender efficiency. By eliminating the outdated, manual and expensive steps that have long plagued mortgage verifications, Argyle is reshaping the lending process for the better.

What sets Argyle apart is that it doesn’t just improve the existing verification process, it replaces it with something fundamentally better. Before Argyle, “automated” VOIE meant purchasing stale, incomplete consumer data from centralized databases, often at significant cost and with limited transparency for borrowers. When those systems failed, lenders had to fall back on phone calls, manual uploads and endless paperwork. Argyle offers a bold alternative: a real-time, consumer-permissioned network that connects directly to payroll and employer accounts. With a simple login, borrowers grant lenders access to their payroll data, unlocking more than 170 fields of real-time income and employment information as well as digital paystubs, W-2s and 1099s. This process gives borrowers more control and eliminates one of the most painful parts of the loan experience. What makes Argyle a true game changer is not just the technology itself, but the way it has reimagined the entire VOIE experience, from borrower onboarding to investor delivery.

The platform integrates directly with the tools lenders already use, embedding VOIE into point-of-sale and loan origination workflows and connecting data seamlessly downstream to automated underwriting systems like Fannie Mae’s Desktop Underwriter® (DU®) and Freddie Mac’s Loan Product Advisor® (LPA℠). This embedded approach makes real-time verification possible at key moments in the loan process, from initial application to pre-close reverification, without borrower re-engagement or redundant steps for the lender. This originality yields powerful results. Lenders using Argyle save time and money, reduce loan fallout and gain the confidence of working with complete, verified data that’s eligible for rep and warrant relief. Consumers enjoy a faster, easier process that puts them in control of their own financial data—no documents to chase, no confusing forms to upload and no repeated requests from lenders. Argyle’s model also expands access to credit by verifying a broader segment of the workforce, including hourly, part-time and gig workers, who are often excluded or misrepresented by legacy verification solutions. 

Blue Sage Solutions’ LION Consumer Point of Sale (POS) is a next-generation digital mortgage platform that transforms the lending experience for both borrowers and lenders. With an intuitive, mobile-friendly interface and real-time loan visibility, LION empowers borrowers to take control of their journey—while giving lenders powerful tools to configure, scale, and streamline operations. Built on a modern tech stack with embedded AI support, dynamic consent flows, and customizable features, LION transforms loan origination into a customer-centric process. With more than 1.2 million users across financial institutions of all sizes, LION stands out by delivering a blend of user-centric enhancements and robust backend capabilities. The platform is built to scale—supporting boutique lenders and large enterprises alike—while enabling seamless loan applications through a secure, configurable, and intuitive interface.

The platform’s latest enhancements exemplify originality through their deep focus on personalization, transparency and technological agility. Borrowers are welcomed into the experience with interactive guided tours, a dynamic welcome interface, improved consent flows, AI-driven knowledge-base support and even the ability to shop for mortgage insurance directly within the platform. These features not only simplify the borrowing journey but offer real-time insights into loan progress—dramatically improving clarity and engagement. For lenders, the backend overhaul is equally game-changing. By leveraging a modernized tech stack including Angular and Google Firebase, the platform delivers faster load times, enhanced security and real-time performance diagnostics. Lenders can now easily configure platform features, adjust security settings and personalize the borrower experience—without developer intervention—streamlining operations and accelerating time to value. By combining intuitive user experience design with powerful technical configurability, Blue Sage has created a POS system that doesn’t just meet expectations—it redefines them. 

Rather than relying on external vendors and fragmented systems, BSI has developed its own comprehensive platform in-house—bringing compliance, data analytics, borrower engagement, and retention strategy into one scalable, intelligent framework.

The BSI tech stack is anchored by five internally developed solutions, each solving a critical industry sticking point:

• Asset 360™, BSI’s life-of-loan analytics engine, delivers real-time, loan-level insights and daily performance tracking. It empowers better MSR management and portfolio-level decision-making through automated reporting, trend analysis, and instant access to historical performance data.
• Libretto™ is a compliance governance engine that enforces over 1,400 investor, federal, and state rules. Libretto transforms how servicers manage risk by automating exception tracking, monitoring deadlines, and issuing proactive alerts. It delivers real-time visibility to all three lines of defense—QA, QC, and Risk—reducing the cost and complexity of regulatory compliance.
• MyLoanWeb™ is a borrower-facing portal that reduces servicing costs and improves customer satisfaction by providing 24/7 access to payment tools, loan information, and support features. It helps shift call center interactions to digital channels and enhances issue resolution speed.
• Portfolio Guardian, a proprietary AI-powered tool, calculates refinance probability for every borrower in the portfolio. Using a combination of borrower-supplied data, real-time industry rates, and demographic information, it predicts prepayment risk with impressive accuracy—enabling servicers to engage at-risk borrowers earlier and more effectively.
• EZ Board, BSI’s intelligent onboarding tool, delivers clean onboarding with clear timelines. It leverages automated data intake with OCR, providing real-time loan status visibility and minimizing handoffs between teams—resulting in a faster go-live experience. By identifying refinance risk at onboarding and streamlining workflows, EZ Board ensures loans are boarded accurately and quickly, giving servicers a jump-start on engagement and retention strategies.

What makes BSI’s proprietary tech stack so significant is not only its breadth but its cohesion. These tools aren’t siloed—they are designed to work in concert, sharing data and insights to drive smarter, faster decisions. The result is a fully digitized servicing environment that reduces manual intervention, enhances borrower communication, and strengthens compliance oversight.

BSI currently uses this tech stack to manage nearly $50 billion in mortgage assets for a broad range of clients, including major banks, credit unions, and private investors. By developing a tech stack that is both scalable and adaptable, BSI enables its clients to improve portfolio performance, boost operational efficiency, and meet today’s—and tomorrow’s—regulatory requirements with confidence.

While CLARIFIRE® has long been a trusted workflow automation solution, over the past year Clarifire has invested in a powerful suite of enhancements that improve how servicers process borrower requests, manage compliance, reduce manual work, and secure their systems. Together, these enhancements position CLARIFIRE as a truly game-changing servicing platform built to meet the evolving needs of today’s lenders and servicers. The upgraded CLARIFIRE application now includes an improved smart borrower Survey tool that streamlines borrower intake and drives faster workout qualification; integrated AI transcription functionality that captures live staff-borrower interactions in real time; expanded document automation that automates manual effort and accelerates decisioning; and, Cloud Security Alliance (CSA) STAR Level Two Attestation, which validates Clarifire’s security protocols against one of the most rigorous industry standards.

Each of these enhancements addresses well-documented gaps in servicing operations. The new CLARIFIRE Survey provides a highly responsive and intuitive way for servicers to automate borrower engagement, capture details about a borrower’s hardship, and align them with workout eligibility requirements. Unlike a static intake form, the Survey allows Clarifire clients to design their own branching question pathways that adapt dynamically based on a borrower’s responses. The questions are also tied directly to business and workout rules within CLARIFIRE CALCULATOR™. This means that the responses guide workout recommendations in real time. Investor and business-driven prompts are triggered automatically, and the completed Survey becomes part of the borrower’s CLARIFIRE workflow. The second capability, AI transcription, captures and transcribes both sides of live borrower-service representative conversations. Built using OpenAI’s transcription engine and integrated into a Windows- based application, it eliminates manual note-taking to ensure audit readiness and faster borrower resolutions by recording borrower interactions from start to finish. It generates accurate, time-stamped transcripts and displays the full conversation in a user interface that can be saved or exported. It also lays the foundation for future capabilities such as predictive analytics and borrower sentiment tracking.

CLARIFIRE’s document automation capabilities have also been enhanced to further reduce processing delays tied to missing, misclassified, or unstructured documents. The platform now includes new tools that capture, classify, and trigger actions from incoming borrower documents, using logic built into CLARIFIRE’s business rules. These enhancements optimize and improve key servicing workflows such as loss mitigation, loan modification, and default processing of all loan types. Finally, CLARIFIRE’s STAR Level Two Attestation reflects a two-year, company-wide investment in advancing cybersecurity infrastructure and controls. STAR Level Two is a globally recognized registration issued by the Cloud Security Alliance following a third-party audit based on the CSA’s Cloud Controls Matrix. By transforming manual tasks into smart automation, all four enhancements mark a major step forward in CLARIFIRE’s evolution. They represent a material upgrade to the way servicers operate, too—from the moment a borrower reaches out to request help to final resolution. Combined with CLARIFIRE’s existing business rules engine, process interactions, and automation capabilities, servicers now have the comfort of knowing they have all the decisioning, automation, compliance, and communication tools they need to scale and reduce costs.

The Work Number® Report Indicator for Mortgage and Housing from Equifax is a first-in-market solution that transforms the early stages of mortgage qualification by delivering views of both creditworthiness and indication of availability of employment status, as defined by each unique customer, at the point of prequalification. Delivered alongside an Equifax mortgage prequalification credit report, The Work Number Report Indicator provides lenders with a clear “yes” or “no” flag showing whether a verification of income and employment (VOIE) record exists for a borrower or co-borrower within the company’s proprietary database. The Work Number database is the largest commercial source of consolidated employment information in the U.S. This innovation is enabled by the company’s $1.5 billion investment in technology and data transformation into the Equifax Cloud and its custom data fabric. With this Cloud transformation we have created an agile new foundation to develop solutions that are faster, more reliable, more powerful, and more secure than ever before. Traditionally, lenders assessed creditworthiness first and addressed income and employment verification later, often introducing time delays, documentation requests and borrower friction. By surfacing VOIE availability data earlier in the process, Equifax enables lenders to better predict cost to close, reduce downstream fallout, improve workflow segmentation and make smarter decisions faster – all while helping to enhance the borrower experience. The result is a streamlined qualification process that supports both operational efficiency and borrower satisfaction, helping lenders stay competitive in today’s fast-paced mortgage market.

The Work Number Report Indicator provides a view of two independent datasets – credit and employment/income – at the prequalification stage. Enabled by the Equifax Cloud, this enhancement gives lenders early access to a broader picture of borrower eligibility through a straightforward flag indicating the availability of a VOIE record. With this insight, lenders can confidently make early decisions, better allocate verification resources, and streamline borrower segmentation and workflow routing. The availability of VOIE data confirmed early reduces friction for lenders by providing clarity for how to source applicants employment data. In addition, the prequalification credit report does not result in a hard inquiry, allowing borrowers to explore loan options freely without impacting their credit score or alerting competitors to their interest. For borrowers without an available VOIE record, documentation requests can be initiated earlier and in a more focused manner, helping to preserve momentum in the application process. By accelerating time to close, reducing costs, mitigating funnel fallout and improving both lender and borrower experiences, The Work Number Report Indicator delivers measurable value throughout the lending process and reflects the continued leadership of Equifax in mortgage innovation.

Floify’s introduction of Dynamic Apps in 2025 gives lenders unprecedented flexibility and represents a major milestone in mortgage technology. As a no-code feature within Floify, the mortgage industry’s leading point-of-sale (POS) solution, Dynamic Apps allows lenders to tailor loan applications based on loan type, eliminating unnecessary questions and routing borrowers through a streamlined, relevant journey. This innovation is not only highly original, but also industry-defining in its ability to improve application completion rates, accelerate approvals and maintain compliance with evolving regulations.

Traditional mortgage applications are often rigid and generic, forcing all borrowers — whether they’re seeking a refinance, a purchase loan, or a specialized product — to wade through the same exhaustive set of questions. This one-size-fits-all structure creates friction, confusion, and drop-off, particularly when borrowers are faced with questions that don’t apply to their situation. Dynamic Apps eliminates this problem by prompting borrowers at the outset to identify their loan purpose. From there, the application intelligently adjusts, displaying only the questions relevant to their specific loan type. This dynamic routing not only improves the borrower experience but also makes the process more efficient and compliant for lenders. For example, compliance with regulations that prohibit asking for demographic data on certain loan types, such as Home Equity Lines of Credit (HELOCs), is automatically upheld through rule-based workflows built into Dynamic Apps. In addition, HELOC-specific disclosures can be presented at the correct stage of the borrower journey — an essential aspect of ensuring transparency and legal adherence. Perhaps one of the most impressive aspects of Dynamic Apps is its support for customizing questions, particularly for specialized mortgage types like non-QM loans and HELOCs. These products often require non-standard information that typical loan application software doesn’t accommodate without costly development or external integrations.

With Dynamic Apps, lenders can build and deploy highly customized application workflows entirely within the platform, enabling them to respond to market demands faster and with greater precision. The no-code aspect of Dynamic Apps is another major differentiator. Rather than relying on developers or IT teams to modify application logic each time a change is needed, operations and compliance teams can directly configure which questions to ask, require or disable. This empowers mortgage companies with the agility to adapt without long development cycles, making it easier to roll out new loan programs, address regulatory changes or refine existing processes on the fly.

Greyhound by OptiFunder is a next-generation management system for warehouse lenders, built to solve the most pressing challenges in warehouse lending, including complex workflows, increasing compliance demands, and the need for real-time operational automation and transparency. Unlike legacy systems that require heavy customization, manual interventions, and siloed processes, Greyhound delivers a modern, cloud-native platform that is intuitive, configurable, and designed to meet the speed and security standards today’s lenders demand. Greyhound streamlines every aspect of warehouse lending – from funding and shipping to paydowns. Its user-friendly interface supports requests via SFTP, API, or direct upload, providing instant feedback on data quality and status. Real-time insights into disbursements, settlements, and balances help lenders make faster, more informed decisions.

What sets Greyhound apart is not just its modern architecture, but its originality in combining powerful automation, real-time data transparency, and enterprise-grade security into a single, intuitive platform purpose-built for warehouse lenders. While most legacy systems offer fragmented solutions and require labor-intensive customization, Greyhound introduces a fresh, holistic approach that aligns with how warehouse lenders actually operate. Greyhound is built from the ground up with flexibility in mind. The system supports multiple submission channels with immediate, feedback that alerts users to issues in real-time. This design simplifies workflows for originators and lenders alike, removing the friction and guesswork common in legacy processes. Greyhound allows lenders to track every loan in detail – from funding through shipping and paydown – with documents and data visible in one place. Users can view documents side-by-side with loan data, making reviews faster and enhancing accuracy across the board. Security and compliance features are seamlessly integrated into the system rather than layered on after the fact.

Greyhound leverages infrastructure and internal processes validated through SOC 2 Type II audit, giving warehouse lenders peace of mind, while reducing the burden of meeting evolving regulatory standards. Perhaps most original is Greyhound’s configuration approach to implementation. Instead of heavy internal IT involvement and custom coding, the platform can be configured easily to mirror current workflows and gradually introduce efficiencies. The OptiFunder team partners with clients through every step of setup, enabling faster adoption without the need for client disruption. Greyhound is not just a new system, but a smarter, more adaptable way of warehouse lending. It transforms what used to be a manual and complex process into one that is fast, secure, and transparent. By combining intelligent automation with deep configurability and built-in security, Greyhound enables warehouse lenders to operate with greater speed and confidence.

LendingPad’s Next-Generation Simplified UI product update represents an advancement in mortgage technology, directly addressing the industry’s persistent challenges of complex, time-consuming loan origination processes. This comprehensive interface improvement was born from a simple yet powerful insight: mortgage professionals spend too much time navigating software and not enough time serving clients. In the mortgage industry, where efficiency directly impacts profitability and customer satisfaction, this update delivers value by accelerating loan processing while reducing operational friction. The redesigned interface significantly reduces click counts, eliminates unnecessary steps, and declutters the user experience, allowing mortgage professionals to focus on client relationships rather than navigating cumbersome software. What distinguishes this update from other LOSs is its foundation in real-world usage patterns and direct user feedback. LendingPad continues to keep its finger on the pulse of how mortgage professionals actually work, noting friction points and designing intuitive solutions that feel natural to users. This approach stands in stark contrast to the industry’s typical technology development cycle, which often prioritizes feature lists over the user experience. The industry implications extend beyond convenience. As margins tighten in today’s challenging market, lenders must maximize operational efficiency to remain competitive. LendingPad’s Simplified UI transformation enables teams to process more loans in less time while reducing user fatigue and shortening training periods for new staff. This directly addresses the industry’s ongoing challenges with productivity and attracting and retaining talent. LendingPad’s Next-Generation Simplified UI proves that the mortgage process can be reimagined for the better to benefit lenders, loan officers, and ultimately, the borrowers they serve.

The originality of LendingPad’s Simplified UI product update lies not just in what it does, but in how it was developed. While most mortgage technology evolves through regular updates layered onto aging frameworks, LendingPad took the initiative to rebuild key interface elements from the ground up, guided by comprehensive user research. LendingPad’s methodology, a user-driven approach, represents a departure from the industry’s typical approach to development. Rather than assuming what users need, LendingPad analyzed usage patterns, gathered frontline feedback, and tested a variety of iterations, resulting in a complex system that feels simple to use. The interface’s originality is evident through its use of smart minimalism that automates repetitive steps and highlights essential actions based on the user’s role and current task. This eliminates the burden typically associated with loan origination systems and allows mortgage professionals to maintain focus and momentum throughout complex processes. LendingPad’s Simplified UI means less frustration, reduced mental fatigue, and greater productivity for individual users. At the company level, it means faster loan processing cycles, lower training costs, and improved staff retention. Perhaps, most importantly, it means a more responsive, efficient experience for borrowers during a significant financial transaction. Proving that sophisticated functionality can exist within an intuitive interface, LendingPad encourages innovation across the mortgage technology landscape. LendingPad’s Simplified UI demonstrates that transformation is not only possible but essential for meeting the needs of both mortgage professionals and the borrowers they serve.

The Mortgage Cadence Platform (MCP) has been a trusted and proven solution for years, powering lenders with reliable, cutting-edge loan origination technology. Built on a robust, modern architecture, the flexible platform now offers two distinct solutions—MCP Enterprise and, as of March 2025, MCP Essentials. This has changed everything for mid-sized mortgage originators. Whether lenders require the full control and customization offered by MCP Enterprise or the cost-effective, pre-configured capabilities of MCP Essentials, both solutions provide a comprehensive, end-to-end technology suite that drives efficiency, scalability, and enhanced operational performance. MCP Enterprise offers a fully customizable, cloud-based solution for lenders with in-house IT teams, allowing them to optimize and control their entire loan origination process.

For lenders seeking a faster, streamlined path to production, MCP Essentials delivers a ready-to-use, scalable solution, offering flexibility while minimizing the need for extensive configuration or large administrative teams. Both offerings are built on the same powerful MCP technology, ensuring that lenders can choose the solution that best fits their needs, with the flexibility to scale as their business needs evolve. All of this is backed by the company’s iron-clad commitment to customer service, where each customer is aligned to a dedicated customer success manager who provides personalized support, communicates important platform news and updates, and helps them reach their individual business goals. MCP represents a paradigm shift in how the mortgage industry approaches operational efficiency, client support, and long-term resilience.

Enterprise software is nothing new, and Software-as-a-Service has become standard—but rarely in mortgage lending has the best of both been packaged in a way that truly works for lenders of all sizes. MCP Essentials changes that. It delivers the robust capabilities of an enterprise platform in a streamlined, ready-to-use solution that’s easily configurable—no internal IT team required. For years, lenders have been searching for a platform that doesn’t force them to choose between simplicity and scale. MCP Essentials answers that call. It gives small and mid-sized lenders the same powerful tools traditionally reserved for the largest institutions, with the flexibility to adapt those tools to their workflows and compliance needs. The result is a product that doesn’t just check boxes—it transforms how lenders operate. By reducing implementation timelines, lowering technical barriers, and empowering users with intuitive customization, MCP Essentials is redefining what’s possible in lending technology. 

In February 2025, NCS and its affiliate, Service 1st, released a proprietary form-based and online 8821 request feature as part of their TRV® Services solution suite. This innovation holds industry-wide significance: taxpayers can now authorize the release of up to three future tax years via the 8821 process, in addition to gaining access to new IRS transcript series. This represents a major enhancement over the legacy 4506-C process, which does not support future year authorization and is limited to retrieving up to four prior years of tax data. This advancement improves portfolio monitoring, income analysis, and compliance with SBA lending guidelines, making these processes faster and more efficient.

Additionally, both TRV® Services and Income+ from NCS are backed by a Lloyd’s insurance policy, with the end user named as the beneficiary. Importantly, NCS has built an integrated ecosystem that allows platforms—such as point-of-sale (POS) systems—to embed these services seamlessly. Consumers can now remain within a single online session to complete their transcript request and authorize IRS data release to NCS in seconds. This streamlined experience supports the cascading of income, assets, employment, ID, and credit data through rules-based decisioning tools like MeridianLink’s Smart Select or ICE Mortgage Technology’s Automated Service Ordering (ASO).

With the introduction of 8821 processing, NCS and Service 1st now offer a comprehensive, best-in-class solution for both form-based and instant consumer-permissioned IRS data access. But what makes NCS’ enhanced 8821 solution a true game changer is how it turns a traditionally slow, paperwork-heavy process into a fast, digital experience—one that’s better suited for today’s complex borrower base. By offering real-time IRS data access, supporting future tax year authorizations, and enabling full integration within lender platforms, NCS empowers lenders to deliver faster decisions with less friction and more confidence.

Novaprime is a mortgage technology company dedicated to making homeownership more affordable. By leveraging emerging technologies like AI and Distributed Ledger Technology, Novaprime drives substantial savings and empowers lenders to offer more competitive mortgage products. By collaborating with lenders, GSEs such as Freddie Mac, service providers and fintech companies, Novaprime is redefining how we interact with individual mortgages as an asset class. Novaprime’s AI-powered Loan Intelligence solution aims to transform loan review processes throughout origination, post-closing and delivery. After being evaluated by the mortgage advisory firm STRATMOR Group, they found that this solution represents a groundbreaking advancement in data and document quality control, offering a highly automated, AI-driven approach that addresses inefficiencies, reduces errors and enhances overall loan quality for the mortgage industry.

Novaprime’s Loan Intelligence solution serves as a critical function to verify that loans comply with regulatory requirements, investor guidelines and company overlays. Loan data and document integrity are critical components to identifying and mitigating errors or inconsistencies throughout origination, ensuring they can be corrected and reworked before loans are sold to investors, serviced or retained in a portfolio. It provides additional support to further protection against mortgage fraud and repurchase risks, and improves the customer experience. By leveraging modular architecture, advanced document intelligence and a deterministic approach to an AI-enabled solution, the Loan Intelligence solution addresses key industry pain points, including data-related defects and time-consuming stare-and-compare reviews. Novaprime’s Loan Intelligence solution represents a groundbreaking advancement in data and document quality control and has potential to become a market leader.

Novaprime’s Loan Intelligence solution introduces an automated, AI-driven approach to mortgage quality control, enabling substantial savings and efficiency gains, and therefore addressing growing concerns of increased origination costs. It evaluates loan data, documents, and third-party source information in its proprietary document intelligence solution, allowing lenders to verify that their loans meet all necessary requirements in real-time, helping streamline organizations’ workflows and generate meaningful savings. It ensures that everything that needs to be reviewed has been, and if anything requires further attention, it’s immediately routed to a human for verification. Whether to ensure all criteria are met or catch mistakes early, the solution improves efficiency and accuracy, allowing lenders to commit loans immediately after closing via Novaprime’s best execution marketplace.

ServiceLink’s EXOS® technologies have revolutionized the lender and borrower experience for appraisals and closings by pioneering the industry’s first and only real-time scheduling solution, giving users direct access to the schedules of the nation’s most qualified agents at the tap of a finger through real-time calendar syncing capabilities. This unrivaled, best-in-class technology puts the lender and borrower in the driver’s seat, allowing them to choose the exact date, time and now, with the latest update, closing location of their choosing. With the transparency and flexibility today’s users expect in every aspect of their lives, ServiceLink’s unique self-scheduling solution includes proactive communication at key milestones, including the agent’s contact information, photo and – where applicable – make and model of their vehicle, appointment reminders and GPS-coordinated estimated arrival times. A notable update to EXOS® Close includes recent enhancements that debuted in the last several months and provides new options for the scheduling of online and in-branch closings.

Borrowers now can use their phone to select a face-to-face, hybrid, remote or in-branch closing. The inclusion of an in-branch scheduling option stands out as the first of its kind in the industry. This update greatly aids with home equity and refinance transactions, allowing lenders to sunset antiquated processes used for in-branch closings, where little to no technology previously existed in the market. The update also includes the addition of an instant in-platform determination of remote closing eligibility, which assesses state and county acceptance requirements and, with lender approval, automatically gives borrowers who are eligible the immediate option to schedule their closing online. With this, lenders can now schedule 100% of their closings through EXOS. In May, a game-changing update also was made to EXOS® Valuations, where appraisal appointments can now be scheduled via two-way text message, using real-time appraiser availability. This new enhancement eases security concerns around clicking links and providing information via a website and meets people where they are – on their phone. 

ServiceLink’s EXOS technologies scheduling capabilities are truly unique in the industry. No other solution provides real-time calendaring functionality, with direct access to the availability of the most qualified agents and notaries in the country. With notable recent updates, its scheduling technology continues to be a trailblazer in the industry, offering new features that have never been seen before in this space. Its scheduling technology and its recent updates continue to meet the needs of today’s buyers – with customer focus always at the forefront. In ServiceLink’s 2025 State of Homebuying Report, which polled more than 1,500 people who either purchased or attempted to purchase a home in the last four years, 76% of buyers reported that they are more likely to select a lender that offers an option for consumers to digitally schedule an appraisal or closing appointment for the exact date and time they desire. 

Touchless Lending Automation helps you deliver the experience borrowers want by enabling a faster path to the closing table and providing borrowers with a needs list that is highly accurate and optimized for minimum requirements and minimum interactions. Loan officers, processors, and underwriters can use Touchless Lending’s optimized workflows to engage with data and make decisions faster instead of relying on physical documentation and manual data entry. Touchless Lending eliminates the most significant productivity sinkholes (multiple humans-in-the-loop scenarios) by introducing the industry’s first truly automated conditions management framework. The Touchless Lending Automation platform integrates effortlessly with existing core systems, including the CRM, the POS, and the LOS, and efficiently automates mortgage production pipelines.

Tavant has recently expanded its Touchless Lending suite with the addition of LO.ai (LoanOfficer.ai), a new AI-driven product designed to enhance automation for lending institutions. In October 2024, Tavant launched an advanced Agentic AI solution, Touchless Lending® LO.ai, to augment its widely-adopted AI-powered digital lending platform, Tavant’s Touchless Lending®. Tavant’s LO.ai is designed to enhance loan officer productivity and borrower empowerment by leveraging consultative and generative AI. This latest addition complements the company’s digital lending platform, further driving down origination costs by applying generative AI and straight-through processing to the sales process. This enables a lender to drive down the overall sales expense, while increasing borrower confidence with automated tools to educate customers and close more loans faster. By integrating generative AI, voice-enabled conversational AI, and advanced data security measures, LO.ai reduces sales costs, increases lead conversion, and ensures compliance with industry regulations. This innovative solution helps loan officers close more loans faster while providing borrowers with the knowledge and tools to make confident financial decisions. LO.ai allows lenders to apply generative AI to the sales process to reduce pipeline fallout and increase lead conversion, lessens the onboarding time required for new loan officers to be productive, and decreases sales expenses by assigning seasoned loan officers to complex deals.

Tavant’s LO.ai is an AI-driven product designed to enhance the Touchless Lending suite by automating loan officer tasks and improving borrower engagement. It leverages generative AI to reduce pipeline fallout, increase lead conversion, and minimize sales expenses by allowing seasoned loan officers to focus on complex deals. Additionally, LO.ai empowers borrowers with the knowledge, data, and tools needed to make informed financial decisions. LO.ai leverages advanced AI and machine learning algorithms to automate and streamline loan officer tasks. It works by analyzing vast amounts of data to identify patterns and make informed decisions, which helps reduce pipeline fallout and increase lead conversion. Additionally, LO.ai provides borrowers with personalized insights and tools, enabling them to make better financial decisions. This allows loan officers to focus on more complex deals, ultimately improving efficiency and customer satisfaction.

Usherpa Pipelines are built to replicate the daily habits of top-performing loan officers, giving every user a clear, consistent workflow to follow—whether they’re nurturing leads, engaging past customers, or building relationships with business partners. This powerful feature within Usherpa’s SmartCRM provides customizable, Kanban-style task flows that guide loan officers through each stage of the sales cycle. With built-in best practices and automation for emails, calls, texts, direct mail, and more, Pipelines help ensure no opportunity falls through the cracks. Users receive daily reminders via dashboard, email, and mobile app, keeping them focused on high-impact activities. Pipelines are ready to use out of the box and fully customizable, making it easy to align with your team’s goals while driving real results. By standardizing and scaling the routines of top producers, Usherpa Pipelines empower every loan officer to work smarter, stay organized, and close more deals.

What makes Usherpa Pipelines truly original is their ability to operationalize the success habits of top-producing loan officers into a system that’s repeatable, scalable, and easy to follow—regardless of experience level. Rather than just tracking tasks or managing contacts, Pipelines take the guesswork out of relationship building by guiding users through smart, automated workflows that mirror what the best in the industry do every day. This shifts the focus from reactive marketing to proactive engagement, empowering users to consistently stay in front of the right people at the right time. The result is a meaningful change in how mortgage professionals work—creating more structure, improving conversion rates, and ultimately helping loan officers build stronger pipelines and more sustainable careers. It’s not just automation—it’s a framework for success.

Valligent, a Veros Software company, is transforming the real estate finance landscape by merging advanced technology with deep industry knowledge. In response to evolving market needs, Valligent recently introduced the 1004D Virtual Completion Certificate (1004D Virtual)—the first solution to perform appraisal condition confirmations entirely virtually. Traditionally, completing Form 1004D to confirm property repairs or construction completion required scheduling in-person inspections, often delaying transactions by days or even weeks. Valligent’s 1004D Virtual changes that by using secure mobile video streaming to connect the property contact directly with Valligent’s trained virtual inspection team and the appraiser. The team guides the contact through a live walkthrough, capturing real-time evidence to support condition completion. As a result, 1004D orders can be completed in just hours, even in hard-to-reach rural or disaster-impacted areas.

This solution proved especially valuable during the 2024 hurricane season, when access to affected properties was limited. Lenders and appraisers relied on 1004D Virtual to conduct post-disaster inspections safely, efficiently, and cost-effectively. Its convenience and reliability minimized disruption, helping borrowers move forward with repairs, funding, and occupancy without unnecessary delays. Beyond disaster recovery, 1004D Virtual represents a broader shift toward tech-enabled efficiency in valuation workflows. By accelerating turnaround times and reducing operational friction, Valligent is helping mortgage lenders, servicers, and government housing agencies meet compliance needs while improving borrower experiences. In an industry often slow to adopt innovation, Valligent’s 1004D Virtual sets a new standard—one that reflects how technology can drive smarter, faster, and more equitable outcomes across the property valuation lifecycle.

Veros Real Estate Solutions (Veros®) is redefining how the mortgage industry manages valuation risk through innovation, data science, and technology. Recently, Veros launched iVALUATION, a groundbreaking platform created in collaboration with a key government agency to address growing demands for accuracy and transparency in property valuation—particularly in the reconsideration of value (ROV) process. iVALUATION is a state-of-the-art, interactive solution that combines a powerful automated valuation model (AVM) with access to nationwide property data, enabling housing finance professionals to conduct efficient, in-depth valuation research.

The platform empowers users to validate property values, identify discrepancies, and assess the reliability of appraisal results—supporting better, faster, and more informed decisions. What sets iVALUATION apart is its interactivity. Users can refine property characteristics, compare up to 100 similar sales, and cross-reference data from multiple listing services and public records—all within a single platform. This flexibility allows for highly tailored analysis that enhances confidence in valuation accuracy and simplifies the research process. The product also generates detailed, professional reports—ideal for ROV claims or internal reviews—that meet the needs of a wide range of stakeholders, including mortgage originators, home equity lenders, appraisal reviewers, investors, and housing agencies. Whether used to validate an existing appraisal or independently research a property’s value, iVALUATION enables faster turnaround times, reduces the risk of human error, and offers an unmatched level of transparency in property valuation. Its industry significance lies in its ability to meet new regulatory expectations and support fair lending by enabling a consistent and data-driven approach to ROVs.

As scrutiny around appraisal bias and valuation reliability continues to rise, tools like iVALUATION are becoming essential to both private lenders and public institutions committed to equity and accuracy in the housing market. By bringing together automated valuation intelligence, interactivity, and nationwide data in one seamless platform, Veros’ iVALUATION is not just an upgrade—it’s a major advancement in how the industry ensures valuation integrity.

Through ongoing conversations with its customers and prospects, Volly, a Williston Financial Group® Company and division of WFG Enterprise Solutions, consistently heard a common challenge: lenders want to leverage and strengthen their relationships with their real estate partners more effectively. This insight became the foundation for the creation of Volly Network Connections, a powerful new component designed to transform how lenders and agents collaborate. Volly Network Connections offers a streamlined platform that enables loan officers to co-brand with real estate professionals through direct MLS integration. With just a few clicks, users can create co-branded flyers and single-property websites and generate new leads, all tailored to active listings. By making co-marketing faster, easier, and more integrated, this innovation empowers loan officers to build deeper, more productive real estate professional partnerships, ultimately driving growth for both sides of the relationship.

Volly Network Connections stands apart by delivering a centralized, intuitive dashboard that brings true visibility and efficiency to co-marketing. Loan officers can instantly view all connected Realtor® partners and their active MLS listings in one place, making it almost effortless to generate compliant marketing materials. Integration with Optimal Blue facilitates real-time pricing, and with lead capture functionality built into property websites, every opportunity to engage potential buyers is maximized. What makes the Volly Network Connections platform truly original is not just the automation, it’s the measurable collaboration. New leads are shared directly between the lender and the real estate agent, and detailed performance metrics within the Volly Marketing Suite enable users to track lead generation, engagement, and overall campaign success. Volly Network Connections doesn’t just simplify co-branding, it creates a powerful, relationship-driven ecosystem that grows business and fosters long-term, meaningful partnerships.

Xactus360, the Intelligent Verification Platform (IVP), is a transformative solution built to modernize and streamline the mortgage verification process. Designed to replace outdated, manual systems with intelligent automation, Xactus360 empowers lenders to access real-time data and make faster, more informed decisions across the loan lifecycle.

Built to streamline mortgage verification, Xactus360 integrates seamlessly with existing lender systems to drive efficiency, scalability, and performance. By automating credit, income, and employment verifications through intelligent workflows and open APIs, Xactus360 reduces operational friction, lowers costs, and significantly accelerates processing times.

What sets Xactus360 apart is its adaptability. The platform supports customizable workflows and dynamically cascades next-best actions, enabling rules-based decision-making that aligns with regulatory requirements and evolving market demands. This level of responsiveness positions lenders to be more agile and competitive in a fast-changing environment.

Security and compliance are core to Xactus360’s architecture. With multi-factor authentication, advanced fraud prevention, and real-time data integrity, the platform protects sensitive borrower information while maintaining transparency and regulatory alignment.

By centralizing and automating verification, Xactus360 minimizes vendor management complexity and enhances decision-making throughout the mortgage process. It fosters collaboration across the lending ecosystem, enabling lenders and partners to unlock new efficiencies and drive innovation.

Consider the experience of one of Xactus’ clients and the positive outcomes it has realized from implementing Xactus360:

• Increased cost savings – an estimated 75% reduction on unintentional duplicate VOEs.
• Intelligent Verification & VOE cascade – Xactus360 introduced automated logic that cascades from Experian Verify™ to The Work Number® by Equifax and other data sources – a capability that the client’s POS could not previously support.
• Duplicate-order prevention – Built-in duplicate detection flagged potential reorders before they occurred, prompting tighter ordering practices.
• No more IP whitelisting – Xactus360’s updated security model removed branch-specific IP controls, eliminating a frustrating IT bottleneck.
• Seamless Byte integration – Xactus collaborated with Byte engineers to fix AKA/Alias ingestion for the client. The enhancement is now on Byte’s product roadmap.

As the mortgage industry embraces digital transformation, Xactus360 stands out for its ability to deliver a smarter, more connected, and responsive verification approach. Its scalability, adaptability, and ecosystem-centric design make it a deserving candidate for recognition in reshaping the future of mortgage lending.