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TRUE, the leader in AI-powered mortgage automation, and Candor Technology, the market leader in automated AI underwriting, have unveiled Instant Income Clarity, a pioneering solution that provides verified, GSE-aligned income analysis in minutes, empowering loan officers and branch teams with immediate insights previously reserved for underwriters.
Income verification has historically impeded mortgage workflows, with conventional methods consuming hours or days via offshore BPO, delaying borrower interactions and inflating costs. Instant Income Clarity disrupts this by merging TRUE's autonomous data extraction with Candor's patented underwriting engine, yielding instant, compliant assessments that accelerate pre-qualification and decisioning. This integration not only mitigates repurchase risks—bolstered by Candor's track record of zero repurchases on 600,000+ loans—but also fosters earlier engagement, enhancing conversion rates and borrower satisfaction in a competitive landscape.
The solution operates via Background AI workers that process incoming documents in real time, automatically refreshing analyses without human intervention, while underwriters retain oversight for nuanced judgments. This hybrid model ensures routine tasks are handled swiftly, supporting a broad spectrum of income sources from traditional W-2s to complex self-employment scenarios. Lenders benefit from shorter loan cycles, diminished manual labor, and fortified compliance, all delivered through a scalable, cloud-native architecture that integrates effortlessly with existing systems. “This is the kind of breakthrough our industry has been waiting for,” said Steve Butler, CEO of TRUE. “By combining Candor’s proven underwriting automation with our autonomous data processing, we’re delivering speed, accuracy, and scale that simply haven’t been possible before. Instant Income Clarity is the first result of our partnership and it’s only the beginning.”
Ryan Edmonds, CEO at Candor, added: “TRUE and Candor share a vision for a fully autonomous and transparent loan manufacturing process. By uniting clean, trusted data with warranted, trusted decisions and calculations, we are collapsing timelines, reducing risk, and eliminating waste in ways that fundamentally transform how lenders operate. This unified decisioning and intelligence platform powers next-gen automation from borrower document intake through post-close QC.” The partnership exemplifies a forward-thinking alliance, leveraging AI to streamline the full lifecycle—from intake to quality control—while maintaining transparency and accountability, ultimately positioning lenders for operational excellence and sustained profitability.
This innovation heralds a new era in mortgage technology, where AI-driven clarity empowers teams to prioritize borrower relationships over administrative hurdles, driving efficiency and trust across the ecosystem.
TRUE is the AI-powered automation platform built to accelerate the mortgage process. From document classification to underwriting decisioning, TRUE delivers real-time results using background AI that doesn’t require training or oversight. Its Mortgage Operations Service (MOS) platform reduces time to pre-approval, lowers operational costs, and improves loan quality at every stage. Learn more at www.true.ai.
Candor Technology’s patented and trusted decisioning technology empowers lenders to create high-quality, profitable loans with automation, speed, accuracy, and transparency, delivering consistency and compliance at scale. Learn more at www.candortechnology.com.
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