The 2025 Innovations Award Winners Are …

The Executive Team of PROGRESS in Lending has named the top industry innovations of the past year. This honor is the Gold Seal when it comes to recognizing true industry innovation. All applications were scored on a weighted scale. We looked for the innovation’s overall industry significance, the originality of the innovation, the positive change the innovation made possible, the intangible efficiencies gained as a result of the innovation, and the hard cost and time savings that the innovation enables industry participants to achieve. The 15th Annual Innovations Award Winners in alphabetical order are:

A&D Mortgage believes in growing together with its partners. The company recognizes the importance of moving the industry forward by addressing the real needs of mortgage professionals. To ensure that it’s meeting these needs, the company has been talking to its partners to identify their pain points, understand their daily challenges, and explore how it can simplify and automate their processes. LEADer is the result of this collaborative research – a tool designed specifically to serve mortgage professionals. It delivers the practical solutions they need to be more effective and successful in their roles.

A CRM (Customer Relationship Management) tool is essential software that helps businesses manage interactions with current and potential customers, streamline processes, and improve overall efficiency. Launched in 2024, LEADer is designed to empower mortgage brokers by simplifying pipeline management, optimizing workflows, and strengthening client relationships. With a purpose-built approach, it addresses the specific challenges brokers face, delivering features that enhance operational productivity and boost customer satisfaction.

LEADer stands out in the industry for its all-in-one functionality. It consolidates key operations such as client management, task scheduling, lead generation, and automated communications into a single, user-friendly platform. By eliminating the complexity and redundancy common in traditional CRMs and reducing the time spent on administrative tasks, LEADer enables mortgage professionals to focus on high-value activities such as nurturing client relationships and closing deals.

By offering LEADer for free to all Approved Partners, A&D Mortgage takes a step toward democratizing access to cutting-edge technology in the mortgage space. This initiative supports brokers’ productivity and growth in an increasingly competitive market. The platform’s focus on innovation and operational efficiency empowers brokers to thrive, driving positive change by placing technology at the heart of their success.

To be successful, mortgage professionals need consistent, relevant, professional communications to their customers and referral partners. But when it comes to marketing technology, the number one reason loan officers fail to stay in touch with their contacts is not for a lack of features—it’s because these platforms are not simple enough to use, difficult and time-consuming to adopt, and typically cluttered with overengineered features that loan officers don’t need. As a result, many mortgage professionals are losing untapped business by overpaying for a system they don’t use.

Realizing that many loan officers and small mortgage lenders needed a super simple, but super powerful marketing tool, Aduvo built it. A robust, truly automated marketing platform that is affordable and exceptionally easy to use, Aduvo helps loan officers increase sales without requiring significant time to set up or technical expertise. Aduvo is also as powerful as it is simple. By automating marketing tasks like sending loan status updates, newsletters, and personalized messages to borrowers and referral partners, Aduvo frees up loan officers to focus on closing loans rather than getting bogged down in time-consuming marketing activities.

One of Aduvo’s most significant features is its seamless integration with most loan origination systems (LOS), which eliminates the need for time-consuming data entry. Once connected to the LOS, Aduvo continuously syncs with the system, pulling updated loan information in real-time and sending personalized, automated communications without any manual effort.

Aduvo’s simple, “set-it-and-forget-it” nature is another key differentiator that sets it apart from other mortgage marketing tools. While other platforms require ongoing attention and management, Aduvo runs automatically in the background, delivering marketing messages as scheduled, without the need for constant monitoring or adjustments. Whether it’s a birthday greeting, a loan status update, or a holiday message, Aduvo ensures that the right content is sent to the right people at the right time.

Perhaps the most impressive aspect of Aduvo is its ability to help mortgage professionals grow their businesses with minimal effort. Many loan officers have large databases of leads and contacts, but they struggle to engage these contacts consistently or effectively. Aduvo unlocks this untapped potential by automatically sending communications on behalf of the loan officer. This constant communication builds stronger relationships with clients and referral partners, fostering loyalty and increasing the likelihood of repeat business.

Beyond just providing a powerful marketing solution, Aduvo offers several other advantages. All content created by Aduvo is crafted by mortgage industry professionals and is compliant with industry regulations and requirements, giving loan officers peace of mind that they are marketing safely. The platform’s pricing model also sets it apart from traditional solutions. Rather than charging large, upfront fees or locking loan officers into long-term contracts, Aduvo offers a flexible, subscription-based pricing structure that allows mortgage professionals to pay only for the features they use. This is a significant departure from other platforms that often require a hefty investment or charge for features that may not be relevant to smaller teams or independent loan officers.

National affordable housing innovator Arrive Home partnered with FormFree, a data verification provider revolutionizing AI use in the fintech space, to offer its lender partners an alternative method to effectively measure a borrower’s credit risk and ability to pay. Through the deal, Arrive Home’s lender partners will now have access to Financial Identity Reports generated by FormFree that rely on its Residual Income Knowledge Index, or RIKI. RIKI is an intelligent system that assesses borrowers’ ability to pay based on monthly income and spending. When paired with traditional credit scoring models, RIKI offers lenders a more complete understanding of consumers’ creditworthiness. Now, lenders can grow their borrower pool and help a great number of qualified homebuyers achieve their homeownership dreams.

By implementing FormFree’s RIKI system, Arrive Home is effectively expanding homeownership opportunities for borrowers with limited credit histories. RIKI is designed to offer more insight into the qualifications of these borrowers than traditional credit scoring systems by providing a comprehensive analysis of creditworthiness. RIKI gives lenders a strong insight into a consumer’s ability to pay and, when paired with traditional scoring models, provides an extra layer of certainty when extending credit. Arrive Home President Tai Christensen says the company’s partnership with FormFree is advancing its overall mission to expand access to homeownership for the underserved and underbanked.

“Nontraditional sources of automated underwriting increase opportunities for borrowers in marginalized communities who don’t have a FICO score or who have limited credit histories,” said Christensen. “This partnership with FromFree enables lenders to obtain a comprehensive assessment of their credit risk and help a large demographic of qualified borrowers achieve homeownership.”

Calque pioneered the simplest and most cost-effective buy-before-you-sell process to date with its flagship product, the Trade-In Mortgage, which has been adopted by several top-30 leading lenders and has seen consumer applications increase over 200% just last year. Now, Calque is back with a new buy-before-you-sell product: the Contingency Buster.

The Contingency Buster was designed for homeowners who want to quickly remove home sale contingencies and debt-to-income constraints at any point in the home-buying process. Calque identified a growing market opportunity for a lighter buy-before-you-sell product that does not need to accommodate a second mortgage, because many borrowers have enough cash on hand to make a down payment on their new home. The Contingency Buster was created to fill this need as a faster and more affordable option for homeowners who do not need to access their home equity to purchase their next home.

The Contingency Buster leverages Calque’s Purchase Price Guarantee (PPG), a binding backup contract that ensures that if a homebuyer’s current home does not sell within 150 days, Calque will step in and purchase it at an agreed-upon price. The Calque PPG enables established lenders to provide non-contingent financing on the new home and remove the original home from debt-to-income while also providing peace of mind and minimizing financial risks for homeowners.

With a Calque PPG in hand, homebuyers can confidently make non-contingent offers on new homes or upgrade an existing bid into a non-contingent offer to win a bidding war. The Contingency Buster supports Calque’s overarching mission to meet the demands of lenders and real estate professionals who seek innovative solutions for their clients in today’s competitive market. With the Contingency Buster, Calque is elevating its commitment to providing faster, more cost-effective options that pave the way for seamless home buying and selling experiences.

EarnUp’s AI Advisor is an always-on AI-powered financial guru that helps to automate end-to-end consumer financial wellness. From expert advice to seamless execution, AI Advisor provides financial institutions with the ultimate customer engagement tool. Powered by sophisticated artificial intelligence, AI Advisor empowers users with hyper-personalized insights and guidance, enabling them to make informed decisions to achieve their financial goals. It does this by instantly analyzing the user’s real-time banking and credit data to answer complex financial questions with personalized, actionable answers, including tailored product recommendations.

An autonomous AI chatbot solution to supercharge customer engagement, AI Advisor ensures that every user, regardless of their financial background, can benefit from expert-level advice and support and realize a stronger, more financially resilient future. What sets AI Advisor apart is the ability to understand and interpret the context of a query and respond with an actionable solution, including product offers such as HELOCs, cards, and consolidation loans. AI Advisor enables exactly the type of hyper-personalized interactions and tailored experiences that lead to increased customer satisfaction and loyalty. In fact, 66% of consumers will abandon a brand if they don’t get a personalized experience. AI Advisor is a personal finance expert, capable of conducting complex tasks, while also providing customers the flexibility to set their own repayment schedule, including the dates and frequency.

Additionally, customers can add loans from different servicers, providing an added layer of branding post-close. This is particularly important as retention rates show a declining trend. Connecting with servicing borrowers is key to retention but is proving to be increasingly difficult. In 2011, the retention rate was closer to 50% but has since dropped to 18%. Retention rates are higher (24%) within the first two years of a loan but drop to just 15% by year five. EarnUp’s private label Life of Loan Autopay platform is key to increased retention, demonstrated by its strong growth.

The eRESI seller platform increases access to non-agency products, providing liquidity for lenders to fund their clients efficiently. It improves the capital markets system for non-agency loans, enhancing process efficiency through leveraging technology to ensure timely information flow for whole loan acquisition while maintaining a consistently high service level. All aspects of the loan purchasing process are included. Sellers get live results from Credit Due Diligence and Collateral reviews, allowing for quick responses to clear loans for purchase. The Resource Center houses all the clients need to know to do business with eRESI, including guidelines, forms, seller guides, training tools, and webinars.

Internally, eRESI utilizes proprietary technology to disseminate its documents and data into a usable format to transmit requests to its vendor partners in credit and collateral, all from its portal integrations. By utilizing this functionality, eRESI can expedite the loan purchasing process and provide its Sellers with “live” results. Aligned with the results are its data validation tools, which ensure that eRESI’s data is accurate as the loan proceeds to the funding process. Sellers can customize their views by choosing what fields to display from eRESI’s expansive database and create reports based on their role and access. Live comments and “tagging” can be leveraged to talk directly to a specific condition or status that the eSEI internal teams will receive and take action on.

As eRESI has implemented its proprietary technology, eRESI has tripled the capacity of its Client Support team. Data and documents are now indexed and flow seamlessly into its vendor portals, moving the loan through the process. The new Funding Package process allows its Sellers to review and approve their purchase advice quickly and accurately. It is now available in a widget specifically designed for the designated people within the Seller’s organization, which only they can see. The documents are available directly on the portal, so there are no missed emails or back-and-forth questions; all are available at the Seller’s fingertips, eliminating any possible delays.

Insellerate’s Aithena’s innovative Enterprise AI solution for the mortgage industry is being recognized for its transformative impact on financial sales and compliance. This cutting-edge technology is reshaping the landscape of mortgage operations, driving performance, enhancing customer experiences, and maximizing revenue across organizations.

Aithena’s AI-powered platform addresses critical challenges in the mortgage industry:

1. Call Center Optimization: The comprehensive call analysis and advanced performance insights enable enterprises to unlock the full potential of their call centers.
2. Quality Assurance and Compliance: By automating call reviews and providing 100% call analysis, Aithena reduces compliance costs by over 90% while ensuring thorough oversight.
3. Sales Enhancement: The AI-driven lead scoring system achieves 89% accuracy on first calls, leading to a 38% increase in sales opportunities.

Aithena’s innovation stands out for its holistic approach to mortgage operations:

1. AI-Powered Insights: Unlike traditional systems, Aithena’s platform offers real-time, data-driven recommendations that adapt to each organization’s unique needs.
2. Emotional Intelligence Processing: The AI Coaching Platform incorporates deep emotional intelligence processing, enabling a more nuanced understanding of customer interactions.
3. Omnichannel Integration: By providing 100% interaction analysis across all channels, Aithena offers a comprehensive view of the customer journey.
4. Scalability and Security: Built on a cloud-native infrastructure with an API-first architecture, Aithena’s solution is both highly scalable and secure, meeting the stringent requirements of the financial industry.

The positive changes brought about by Aithena’s innovation are substantial:

• Operational Efficiency: Automated workflows and AI-driven insights significantly reduce operational costs and improve productivity.
• Enhanced Customer Experience: Personalized interactions and real-time coaching lead to higher customer satisfaction.
• Compliance Assurance: Comprehensive call analysis ensures adherence to regulatory requirements while dramatically reducing associated costs.
• Data-Driven Decision Making: In-depth analytics empower organizations to make informed strategic decisions.

Aithena’s Enterprise AI solution represents a significant leap forward in mortgage industry technology, combining advanced AI capabilities with deep industry expertise to drive tangible business results and elevate the overall lending experience.

LoanCare’s recent innovations—the MyLoanCare Go mobile app and the enhanced myloancare.com homeowner web portal—exemplify the cutting-edge strides being made in mortgage servicing. Together, these tools redefine the borrower experience by combining intuitive design with robust functionality, enabling homeowners to engage with their loans seamlessly and efficiently.

The MyLoanCare Go Mobile App Launched in 2024, and represents a significant leap forward in how homeowners interact with their mortgage accounts. The app offers an intuitive, user-friendly interface, ensuring borrowers can access key account information anytime, anywhere. Designed with customer convenience in mind, the app provides real-time access to loan balances, payment histories, and important documents. The app’s standout features include the ability to make payments effortlessly, set up automatic payment schedules, and receive timely notifications about account updates. It also empowers borrowers to explore loss mitigation options directly, providing critical resources during financial hardship. These functionalities address a growing demand for accessible, self-service solutions in the mortgage space, delivering convenience, transparency, and peace of mind.

The Enhanced MyLoanCare.com Portal Complementing the mobile app is the revamped myloancare.com homeowner portal, which underwent substantial upgrades in 2024. Designed to offer a fully integrated experience across devices, the portal reflects LoanCare’s commitment to a borrower-centric approach. The updated portal includes streamlined navigation and enhanced security features, providing borrowers with a safer, more efficient way to manage their accounts. Key improvements include expanded payment options, a dynamic dashboard offering real-time insights into account activity, and access to detailed statements and documents. By enabling homeowners to complete tasks independently, the portal reduces customer service inquiries, enhancing operational efficiency for LoanCare and its clients.

Together, these innovations address long-standing challenges in the mortgage servicing industry, where clunky interfaces and limited self-service options often lead to borrower frustration. The MyLoanCare Go app and enhanced web portal exemplify a shift toward modernizing the borrower experience, emphasizing convenience, transparency, and empowerment. From an industry perspective, these tools not only elevate LoanCare’s competitive standing but also set a benchmark for digital innovation in mortgage servicing. They align with broader trends in financial services, where mobile-first solutions and personalized experiences are becoming the norm. The enhancements resonate particularly with millennial and Gen Z borrowers, who expect digital convenience in all aspects of financial management.

Furthermore, the focus on real-time access to information and self-service capabilities drives operational efficiencies. By reducing the volume of inbound customer support calls and simplifying routine account management tasks, LoanCare’s innovations help servicers allocate resources more effectively while improving the borrower journey. LoanCare’s MyLoanCare Go app and enhanced myloancare.com portal exemplify innovation with purpose—delivering measurable benefits for homeowners and driving progress across the mortgage servicing industry.

LoanNEX has developed a groundbreaking platform that is revolutionizing the residential mortgage market by providing unprecedented access and connectivity for all participants. This innovation deserves recognition for its significant impact on the industry, addressing critical market needs and fostering financial inclusion. The LoanNEX platform seamlessly connects banks, credit unions, brokers, lenders, investors, and aggregators through an intuitive, responsive, and dynamic interface. This comprehensive solution enables expanded loan products and product innovations, allowing loan officers to easily match products to borrowers’ unique needs.

Its Industry Significance includes:

1. Market Adaptation: LoanNEX addresses the evolving economic and demographic changes in the mortgage market, catering to:
   • Homeowners seeking second mortgages to tap equity
   • Purchasers delaying buying due to higher interest rates
   • Growing demand for investment properties
   • Increased interest from private capital in the industry
2. Non-Agency Product Support: The platform fills a crucial gap by supporting non-agency and alternative first lien mortgage options, which traditional pricing engines were not built to handle.
3. Expanded Access: LoanNEX hosts products from 55 Non-Agency lenders and investors, providing more Non-Agency options than any other Product and Pricing Engine (PPE).
4. Market Growth: The platform has demonstrated remarkable success, with locked loan volume increasing over 300% in 2024 and over 10,000 unique users running scenarios in the past 12 months.
5. Ecosystem Connectivity: LoanNEX bridges gaps in the mortgage ecosystem, connecting all stakeholders from borrowers to the MBS marketplace in a seamless network.

This innovation is transforming the mortgage industry by enhancing product accessibility, operational efficiency, and market intelligence while promoting financial inclusion and empowering investors in a volatile market.

MCP Essentials is an out-of-the-box, pre-configured LOS that makes it easy for lenders to move into production quickly and lend confidently. It offers streamlined workflows, enhanced efficiency, and a seamless user experience all tailored to industry best practices. It combines the power of the next- generation Mortgage Cadence Platform (MCP) LOS in an affordable, pre-built LOS for credit unions, community banks, and other smaller institutions.

At its core, MCP Essentials represents a strategic shift toward a multi-tenant architecture, enabling a single instance of the platform to support multiple clients seamlessly. This innovative approach not only enhances scalability and cost-effectiveness but also ensures that each client’s data remains secure and isolated, fostering trust and confidence in the solution.

MCP Essentials was designed to be an affordable alternative to the company’s industry leading Mortgage Cadence Platform (MCP), which is a highly configurable, enterprise model offering. Everything we’ve learned about our lender partners’ needs has been built into MCP Essentials, which can be implemented more quickly than the parent Enterprise version.

When lenders buy into a powerful core operating system, like a loan origination system, their first impulse is often to begin customizing it to fit their strategy. This is an old habit that used to be a requirement back when mission-critical software was built on less flexible architectures. Today, not only is it often not necessary to make wholesale changes to the technology to meet the lender’s needs, it can be counterproductive.

The power and flexibility Mortgage Cadence has built into the new offering allows any lender to get what they need from their LOS software without changing the code. MCP Essentials comes with all the tools lenders need to make their software work the way they want to do business.

Lenders have the flexibility to tailor their MCP Essentials implementation approach, leveraging resources from lower-cost locations or offshore support if desired. This platform signifies more than just a technological upgrade; it represents a paradigm shift in how the mortgage industry approaches operational efficiency, client support, and long-term resilience.

No one has access to more consumer data than the mortgage industry. Add that to the lender’s performance data and decisionmakers are floating in information. Investments in Business Intelligence (BI) software were supposed to help lenders make sense of this, but have thus far provided information, but few insights. AI has the potential to change all of that if properly used.

Redefining Business Intelligence (RBI) is the industry’s first outsourced data science company that uses AI and experienced business analysts to pull actionable insights from very large data sets. This combination of experienced human analysts and AI technology constitutes an innovative new approach to better executive decision making.

In the past, lenders only had two avenues available to them in the search for better decision making. They could either hire the most experienced executives they could find in the hope that their time in the business would give them insight that would drive better decisions, or they could hire expensive market research teams or consultants to make sense of the data they controlled.

Business intelligence software promised to collect, integrate, analyze, and present business information to support better decision-making within organizations. It has not lived up to that promise. Artificial Intelligence provided a new opportunity, but the risks outweighed the potential benefits for years. The data these systems required was often low quality or incomplete and the models themselves were prone to hallucination, rendering the results questionable.

By combining AI with human business analysts who know the industry and can spot hallucinations and other AI errors, RBI has changed the game at a price point well below that of setting up and staffing a data science department. The result is augmented analytics, which uses AI to automate data collection and initial analysis followed by human business analysts who harvest insights, all provided on an affordable outsourced basis.

The company’s RBI Playbooks are already in use across the industry, providing actionable information to lenders with built-in action plans, all based on large data sets processed by well-trained and supported AI overseen by experienced industry experts.

For years, America’s $14 trillion mortgage servicing industry has been in need of a technological overhaul. Sagent is dedicated to leading this transformation where every product that it develops and customer interaction it carries out is completed with the goal of streamlining and simplifying servicing operations for the nation’s leading banks and lenders. Earlier this year, Sagent pushed forward on its mission to lead the evolution in loan servicing by solving its most complex challenges, launching Dara, the first mortgage software platform to unify all data and user experiences for servicers and homeowners across the entire servicing lifecycle.

The development of Dara is a game-changer in the mortgage servicing industry, offering a comprehensive suite of tools and technologies that help servicers reduce costs, enable compliance, and deliver a modern digital experience for homeowners. Dara is comprised of seven root tenets: Core, Consumer, Default, Transfer, Compliance, Data, and AI which work together to create a single solution that unifies the servicing ecosystem. This mortgage-specific integration delivers a world-class homeowner experience that helps servicers reduce operational costs, improve efficiency, and stay compliant within one easy-to-use root servicing system.

Plus, with next-generation technology like real-time data, AI, and cloud-native API, this solution gives users a competitive edge over others in the industry. Automation and real-time data are at the heart of Dara, increasing efficiencies for both servicers and homeowners, with Dara AI Docs automatically indexing, classifyining, and extracting data from mortgage documents. So far, the platform has used automation to seamlessly and efficiently, extract, index, and classify data from more than 2.8 billion documents. Dara AI Docs is capable of reading and analyzing over 300 different types of documents — including pay stubs, deeds, and documents that include stamps and signatures — taking the stress and time out of manual document indexing, management, and review. With the ability to read 3,000 pages per minute, Dara AI Docs is significantly lowering cost-per-loan (CPL) for servicers, giving them more time back to focus on their number one priority, homeowners.

Dara Consumer is also helping to lower the extremely high CPL – ~$2,000 – of loans in default. Automation and real-time data allow servicers to service more loans and help more homeowners with personalized care during their time of need. With Sagent’s relentless approach to modernize servicing operations, Dara helps servicers stay ahead of regulatory updates keeping them relevant in real time, while continuing to make them a reliable partner to the homeowners they serve. Innovating across America’s $14 trillion servicing industry is no small task, but the use of technology in a way that’s never been successfully done before is the key to success, and Sagent is proud to spearhead this initiative.

ThoughtFocus AI is leading mortgage lending, servicing & capital markets innovation with an AI workforce that can complete dynamic projects from start to finish – with zero humans in the loop.

These agents aren’t static tools – they are dynamic entities, capable of learning, evolving, and outperforming current solutions. They are self-sustaining digital workers built as subject matter experts. For mortgage lenders, this future-state technology tackles operational efforts fast and flawlessly. It delivers exceptional outcomes throughout the entire mortgage loan value chain, from 99.999% accuracy on OCR, and hands-off post-close QC audits, to purchase advice and management reconciliation.

ThoughtFocus AI can staff any function reliant on human expertise across the enterprise, from customer service and finance & accounting to human resources, IT, and compliance.  By functioning as fully autonomous workers, ThoughtFocus AI enables economies of scale. ThoughtFocus AI technology automates reasoning, intellect, and decision-making which outperforms traditional Robotic Process Automations (RPAs) which can only automate standardized, repetitive tasks, like ordering credit or assessing a borrower application for a conditional approval.

ThoughtFocus AI digital workers understand context, analyze complex scenarios, establish the process workflow, and make nuanced decisions in real-time. With a digitally augmented workforce, businesses reduce overhead, minimize risk, improve efficiencies, and free up valuable human resources for strategic initiatives. This results in a rapid increase in revenue opportunities and delivers a quantifiable ROI within two years.

This represents a fundamental shift in what automation can achieve in mortgage lending and capital markets and ushers in an era where expert-level work can be completed by intelligent agents.

Uplist’s RECAPTURE™ is an industry-transforming refinance solution that redefines how mortgage professionals identify and act on refinancing opportunities. This patent-pending loan monitoring tool automates every stage of the refinance process, delivering unparalleled efficiency and accuracy. RECAPTURE™, leverages advanced real-time data to monitor closed loans, identify refinancing opportunities and build client-ready presentations in less than 1 minute. Designed to streamline workflows, RECAPTURE™ equips mortgage loan officers with real-time data, enabling them to provide borrowers with tailored refinancing options faster than ever.

Unlike standard industry “rate alerts,” RECAPTURE™ automates the entire refinance analysis process, integrating seamlessly with pricing engines to deliver precise, actionable insights. Loan officers are notified the moment favorable refinance conditions arise, ensuring no opportunity is missed. The tool goes beyond alerts by analyzing property ownership, amortization, and financial benefits while modeling potential savings for homeowners. This comprehensive approach allows loan officers to present personalized, data-backed refinancing solutions that align with borrowers’ financial goals.

The hallmark of RECAPTURE™ is its efficiency. By automating tasks such as loan analysis, scenario planning, and client outreach, the tool saves loan officers up to 35 minutes per loan review. RECAPTURE™ generates borrower presentations and custom emails in under a minute, enabling loan officers to re-engage clients swiftly and effectively. This 97% increase in workflow efficiency drives business growth while strengthening client relationships.

Jeff Bell, President and Founder of Uplist, underscores the significance of this innovation: “Our goal with RECAPTURE™ is to empower loan officers to perform complete refinance evaluations and deliver easy-to-read presentations with just the push of a button. This tool enables mortgage professionals to unlock the full potential of their closed loan pipelines, ensuring homeowners receive the best refinance options tailored to their needs.”

The impact of RECAPTURE™ on the mortgage industry is profound. It provides mortgage professionals with a scalable solution to manage their refinance workflows, offering unparalleled speed and accuracy. Beyond saving time, the tool enhances borrower satisfaction by delivering timely, personalized refinancing options, fostering trust and loyalty in a highly competitive market.

Usherpa’s SmartCRM combines the most intuitive user interface, automated Done-For-You Experiences™, and robust data intelligence into a customizable marketing suite. It’s one of the leading marketing automation platforms available today and it just got a lot easier for Loan Officers to use.

Usherpa’s new Pipelines™ functionality allows lenders to create custom, best-practices-based marketing workflows that empower every LO in the company to perform like their top producers.

Pipelines are customized lead, prospect, customer, and Realtor experiences that can be combined into automated campaigns to target the right borrower at the right time. Lenders have a set of best practices sales workflows, but any loan officer can create as many custom pipelines as they wish with custom stages made up of tasks that they can either do or assign to other members of their team.

The workflow can accommodate call scripting, tasks, SMS reminders and automated email. Each morning, the tool will alert loan officers via email or mobile app about their scheduled tasks for the day. Usherpa provides detailed reporting on each loan officer’s usage for management purposes.

Powered by its dedication to creating a more transparent and accessible real estate lending ecosystem through data analytics and tech-forward solutions, Voxtur dropped a new product designed to help consumers navigate title and settlement costs. The company launched VoxturRateAdvisor, a title insurance technology platform designed to present users with information on the right title product, the most competitive rates and services available on the market.

VoxturRateAdvisor offers users the best solution for their given situation, whether that is traditional title insurance or the Voxtur AOL title alternative, aiming to provide competitive pricing for borrowers with the ultimate goal of making homeownership more affordable for consumers. It meticulously compares title products and rates from Voxtur’s deep network of title providers, underwriters, and tailored rates across states, guaranteeing access to the most competitive pricing for title and settlement services.

In effect, VoxturRateAdvisor revolutionizes the landscape for lenders and real estate professionals by offering a comprehensive array of transaction-level products tailored to match loan criteria, property type, location, and borrower profiles. This includes many traditional and alternative title products, ensuring optimal price execution for every transaction. And, VoxturRateAdvisor’s user-friendly dashboard makes it easy, providing a seamless and consistent experience across various Loan Origination Platforms, offering a single-point, single-entry portal for enhanced efficiency and convenience. Through VoxturRateAdvisor, Voxtur is empowering its clients by providing them with all the information they need to make the best decision for their particular circumstance, bringing transparency to the title and settlement process for the benefit of the consumer.

Xactus360, a proprietary verification platform, puts the full power of Xactus—a leading verification partner—into user-centric technology that integrates with existing LOS and POS platforms to help lenders realize enhanced decisioning and efficiency benefits. There are three core areas that Xactus360 addresses: 1) transforming static, inflexible processes into dynamic workflows; 2) making better loan decisions faster; and 3) reducing data waste.

This innovative technology reframes how, what, and when we verify, transforming manual workflows to a data-driven, scalable platform. It harnesses real-time insights to power automated actions, enabling faster and better decision-making while minimizing waste. This represents a fundamental technology-driven transformation, shifting how the industry originates and services mortgages.

1. Embracing dynamic workflows: Frees lenders to focus on more valuable work while scaling flexibly to meet the needs of the marketplace and capture rising volumes. With Xactus360, mortgage lenders can shift their manual waterfall processes toward configurable, dynamic workflows that respond to the specific context lenders may face. By combining data-at-scale, advanced AI technology, and deep domain expertise, clients can customize Xactus360 to deliver a cascade of relevant verification data, eliminating unnecessary data pulls and improving next-best actions.

2. Making better loan decisions, faster: Xactus360 allows clients to evaluate risk, ensure the ability to repay, mitigate losses, and retain customers much more effectively. With our unprecedented reach, domain expertise, and data scale, lenders can access and utilize the right data at the right time to transform their day-to-day verification processes. Xactus360 enables them to make superior loan decisions regardless of circumstance, expertise, and experience.

3. Reduce waste: By optimizing their product mix and workflow processes from manual waterfalls to a new approach that is dynamic, configurable to their specific needs, and responsive to context, our clients are significantly reducing verification costs. Xactus360 enables this shift, securely aggregating data from across the mortgage ecosystem, integrating with all major LOS systems, and delivering the right data at the right time to meet client needs cost-effectively. It allows clients to increase efficiency, streamline integrations, reduce waste, and gain a competitive edge.

The result? Better and faster decisions, dynamic processes, and significantly less data waste.