The TRUE MOS Platform
Touchless Data | Touchless Decisioning
TRUE makes lending lightning-fast with the industry’s only core AI-powered system for instant borrower intelligence.
The first-of-its-kind platform, the TRUE Mortgage Operations Service (MOS), automates mortgage production — from docs to decisioning — helping lenders provide a superior digital borrower experience while lowering costs.
TRUE MOS powers real-time, 24/7 mortgage services, ensuring information flows seamlessly between your systems for instant, trustworthy data that enables instant decisioning.
TRUE works in the background, with little to no touch or training needed.
Instant Borrower Intelligence for Lightning-Fast Lending
Close loans quicker, exceed customer expectations, and build a better book of business.
What Makes TRUE Different?
With specialized AI built specifically for mortgage lending and trained on millions of loans over the last decade, TRUE is the only touchless solution on the market.
Chances are, we’ve seen your loan data and documents before you’ve used our technology without even knowing it. TRUE works with four of the six major mortgage insurers, redefining the industry standard.
What Can TRUE Do?
TRUE’s instant solutions handle everything from mortgage setup to income analysis, freeing your team to focus on revenue generation and borrower satisfaction.
Fully integrated and always learning, TRUE delivers real-time automation across mortgage workflows — so nothing gets missed.
Touchless Data
TRUE Instant Index
- The Problem: Loan officers and processors are burdened with manually indexing, labeling, or reviewing documents (or using vendors with lengthy turnaround times and risk due to offshore resources). Using specialized AI, TRUE instantly performs this task with no need for manual review.
- Benefit: Loan officers and processors no longer spend time indexing, labeling, and reviewing documents. TRUE’s instant process enables underwriting to start decisioning sooner, shortening time to close by days and reducing processing costs.
TRUE Instant Extract
- The Problem: Source documents are the lifeblood of the loan manufacturing process. Getting accurate data from loan documents is a critical and expensive step due to the level of manual review needed to achieve accuracy and data quality. Using specialized AI, TRUE instantly performs this task without manual review.
- Benefit: Processors no longer need to perform manual, time-consuming extraction and quality control tasks to ensure data accuracy. Automating manual extraction, stare and compare, and manual QC review eliminates hours of work per loan. TRUE’s AI-powered solution drives processor productivity and a shorter time to loan quality.
TRUE Instant URLA
- The Problem: The URLA is a mandatory but time-consuming task that needs to be filled out by LO and the borrower. The current approach requires manual entry after the borrower submits documents. TRUE instantly fills out the URLA using the documents as the borrower submits them, eliminating much of the manual data entry and need to confirm documents.
- Benefit: The borrower and LO experience is enhanced as the URLA is instantly created and continuously verified as more documents arrive. TRUE’s AI-powered solution enables a much faster time to pre-approval.
Touchless Decisioning
TRUE Instant Income
- The Problem: Income analysis usually happens late in the process, and lenders lack early insight into a borrower’s income. TRUE changes that with instant borrower intelligence that delivers a GSE-aligned income assessment much earlier — so lenders can start decisioning sooner, give borrowers faster answers, and build trust from the start.
- Benefit: TRUE offers a consistent, AI-powered way to verify income from first contact. Lenders get real-time, ongoing verification early in the process, while borrowers get clarity and faster answers — improving the experience from the start. All in under two minutes.
TRUE Instant Pre-Qualify
- The Problem: Pre-qualification is typically a late-stage task, requiring underwriting to review the entire loan file, slowing everything down. With AI-powered instant borrower intelligence, TRUE provides trusted, GSE-aligned assessments much earlier, helping lenders reach confident pre-qualification and pre-approval decisions faster.
- Benefit: Where trusted data meets trusted decisioning, TRUE’s AI-powered solution enables pre-qualification as early as the borrower’s first contact. By pulling instant borrower intelligence from documents and data upfront, lenders can move through pre-qualification and pre-approval faster, speeding up time to close and improving the borrower experience.
TRUE Instant Conditions
- The Problem: A loan moves forward by passing a series of quality checkpoints — often managed through checklists that set conditions for each stage, from pre-fund to post-close. But when those checklists are built and reviewed manually, it slows everything down and eats up valuable time.
- Benefit: Take control of checklist management. TRUE’s AI-powered solution lets lenders build custom checklists and automatically clear conditions using trusted data from documents and third-party sources. As data flows in, conditions are cleared in real-time — reducing manual work, speeding up reviews, and cutting loan cycle times from weeks to days.
Touchless Data
Touchless Decisioning
TRUE Instant Index
- The Problem: Loan officers and processors are burdened with manually indexing, labeling, or reviewing documents (or using vendors with lengthy turnaround times and risk due to offshore resources). Using specialized AI, TRUE instantly performs this task with no need for manual review.
- Benefit: Loan officers and processors no longer spend time indexing, labeling, and reviewing documents. TRUE’s instant process enables underwriting to start decisioning sooner, shortening time to close by days and reducing processing costs.
TRUE Instant Income
- The Problem: Income analysis usually happens late in the process, and lenders lack early insight into a borrower’s income. TRUE changes that with instant borrower intelligence that delivers a GSE-aligned income assessment much earlier — so lenders can start decisioning sooner, give borrowers faster answers, and build trust from the start.
- Benefit: TRUE offers a consistent, AI-powered way to verify income from first contact. Lenders get real-time, ongoing verification early in the process, while borrowers get clarity and faster answers — improving the experience from the start. All in under two minutes.
TRUE Instant Extract
- The Problem: Source documents are the lifeblood of the loan manufacturing process. Getting accurate data from loan documents is a critical and expensive step due to the level of manual review needed to achieve accuracy and data quality. Using specialized AI, TRUE instantly performs this task without manual review.
- Benefit: Processors no longer need to perform manual, time-consuming extraction and quality control tasks to ensure data accuracy. Automating manual extraction, stare and compare, and manual QC review eliminates hours of work per loan. TRUE’s AI-powered solution drives processor productivity and a shorter time to loan quality.
TRUE Instant Pre-Qualify
- The Problem: Pre-qualification is typically a late-stage task, requiring underwriting to review the entire loan file, slowing everything down. With AI-powered instant borrower intelligence, TRUE provides trusted, GSE-aligned assessments much earlier, helping lenders reach confident pre-qualification and pre-approval decisions faster.
- Benefit: Where trusted data meets trusted decisioning, TRUE’s AI-powered solution enables pre-qualification as early as the borrower’s first contact. By pulling instant borrower intelligence from documents and data upfront, lenders can move through pre-qualification and pre-approval faster, speeding up time to close and improving the borrower experience.
TRUE Instant URLA
- The Problem: The URLA is a mandatory but time-consuming task that needs to be filled out by LO and the borrower. The current approach requires manual entry after the borrower submits documents. TRUE instantly fills out the URLA using the documents as the borrower submits them, eliminating much of the manual data entry and need to confirm documents.
- Benefit: The borrower and LO experience is enhanced as the URLA is instantly created and continuously verified as more documents arrive. TRUE’s AI-powered solution enables a much faster time to pre-approval.
TRUE Instant Conditions
- The Problem: A loan moves forward by passing a series of quality checkpoints — often managed through checklists that set conditions for each stage, from pre-fund to post-close. But when those checklists are built and reviewed manually, it slows everything down and eats up valuable time.
- Benefit: Take control of checklist management. TRUE’s AI-powered solution lets lenders build custom checklists and automatically clear conditions using trusted data from documents and third-party sources. As data flows in, conditions are cleared in real-time — reducing manual work, speeding up reviews, and cutting loan cycle times from weeks to days.
It Doesn’t Get Any Simpler
TRUE Cloud makes deployment easy with state-of-the-art cloud management services, including auto redundancy and recovery. It provides continuous vulnerability assessment, data protection, cloud governance, and cloud security.
With certified connectors to leading LOS platforms like Encompass® by ICE Mortgage Technology®, it’s easy to bring everything together.
See How TRUE Can Work for You
Ready to see TRUE’s Instant Borrower Intelligence in action?