Run a mortgage loan in 4 days, not 45.
The ICE Encompass SDK sunsets December 31, 2026. Confer is the AI-native loan origination system built to replace it — nine specialized AI agents (eight running live loans in production today) across sales, processing, underwriting, closing, and compliance do the automatable work while your team reviews and approves. Built by Yatin Karnik, an 18-year Wells Fargo SVP who ran fulfillment at the nation's largest mortgage bank.
Bring three of your typical files; we'll bring a real loan trace from our April 2026 production run. Your 60-day pilot measures the actual per-loan savings on your own loans — up to $1,700 by Freddie Mac's 2024 Cost-to-Originate study.
As Seen On
Watch a loan run end-to-end
One loan, five stages, application to funded.
Not a roadmap — production. The agent for each stage does its work, the human reviews and approves, and cycle time drops from a 45-day industry average to four days.
An AI-native mortgage LOS for every lifecycle stage
Confer LOS runs mortgage origination end-to-end — nine specialized AI agents coordinating sales, processing, underwriting, closing, and compliance. Every feature below ships as part of the platform; no plugins needed.
AI-Native Mortgage LOS
Nine specialized AI agents run U.S. mortgage origination end-to-end, across sales, processing, underwriting, closing, and compliance. Replaces legacy LOS platforms (Encompass and others) for credit unions, community banks, and IMBs.
Learn MoreRAG Chatbot
Borrower-facing assistant grounded in the lender's own underwriting guidelines, product matrices, and disclosure language. Cites sources inline. No hallucinated rates, no off-script promises.
Learn MoreDocument Processing
Classify and extract data from the 30 to 50 documents in a typical loan file — URLA, W-2, paystub, bank statement, tax returns, asset statements, appraisal. Each parse is auditable to its source field. 22 seconds per document classification in production.
Learn MoreRisk Assessment
Credit, capacity, and collateral analysis on every loan — DTI, LTV, qualifying ratios under lender-specific overlays, AVM reconciliation, declining-market and flood checks. Decision recommendation generated for the human underwriter to approve.
Learn MoreData Analytics
Pipeline-level reporting on cycle time, cost per loan, defect rate, fee-cure incidence, and processor capacity — benchmarked against MBA Q4 2024 industry data and Freddie Mac's 2024 Cost-to-Originate Study.
Learn MoreFraud Detection
Income misstatement, occupancy fraud, identity verification, and straw-buyer pattern detection embedded in the underwriting workflow. Flags appear as workflow events, not after-the-fact alerts.
Learn MoreWhy lenders move from Encompass to Confer
What changes when AI agents run origination: automation, accuracy, compliance, and speed — each backed by a sourced number.
Automation
Confer's AI agents run the automatable work — document classification, income calculation, condition generation, compliance checks. Processors and underwriters review and approve, absorbing a refi wave at 4x the loan volume per FTE without panic-hiring.
Accuracy
Deterministic income calculation per Fannie Mae 1084 methodology — seven calculators for W-2, Schedule C, K-1, rental, and investment income. Manual completion takes 20–45 minutes; Confer produces the same audited worksheet in under 5 seconds.
Compliance
Compliance enforced by architecture, not policy. When an examiner asks for your TRID timing, you export a timestamped JSON or PDF trace in 30 seconds — not a three-week scramble through email. TRID, ECOA, and ATR/QM tests are durable, agent-attributed workflow events.
Speed
Cycle time reduced from a 45-day industry average (MBA Q4 2024) to under 4 days in production. AI agents complete their automated work in under 45 minutes total — the rest is human review windows the regulator requires.
Agents do the work · people make the call
Where the AI ends and your underwriter begins
Confer doesn't replace your team — it hands them a clean, sourced file. Here's the division of labor across one loan.
Under the hood
What makes the four days possible
Deterministic math, three-tier document AI, compliance as architecture, and a native Encompass bridge — the specifics behind every loan Confer runs.
How we onboard you
A low-risk path from pilot to production: prove the ROI on your own loans before you commit to migration.
60-day structured pilot
Confer's AI agents run inside your existing LOS — no replatform risk on day one. Defined cost-per-loan and cycle-time benchmarks captured against your current baseline.
ROI validation
Real numbers from your real loans. Decide to expand based on measured savings, not promised ones. Lender ROI in production: 4.8x to 13.3x depending on volume profile.
Full migration
Confer becomes the system of record. 90 days for mid-market lenders. The Encompass SDK sunsets December 31, 2026 — every lender on Encompass faces a replatforming decision; Confer is the AI-native destination.
The numbers, sourced
Production figures and industry benchmarks — each tied to its source, not a slogan.
Per-loan savings (Freddie Mac, 2024)
Cycle time vs. 45-day industry average (MBA Q4 2024)
Median modeled ROI (4.8x–13.3x) · pilot-validated
Specialized AI agents · 8 live in production (April 2026)
ROI modeled from instrumented April 2026 production-run timings against lender-supplied baseline volumes (ranges 4.8x–13.3x by profile); full methodology shared under NDA. Independent case studies in progress.
Case studies coming soon
We're documenting production results from early lenders — cycle time, cost per loan, and processor capacity, with the methodology shown. Get notified when the first studies publish.
Get NotifiedLatest Insights
Deep dives into AI automation, financial technology, and compliance
Frequently Asked Questions
Everything you need to know about Confer's AI-native mortgage platform
What is Confer Solutions AI?
Confer Solutions AI builds an AI-native loan origination system for U.S. mortgage lenders. Confer LOS is designed from the ground up with nine specialized AI agents (eight live in production today) across five lifecycle stages, deterministic Fannie Mae 1084 income calculation, and 180+ Encompass bidirectional field integrations. Built for credit unions, community banks, and independent mortgage banks originating 1,000 to 15,000 loans per year.
Is Confer an Encompass alternative?
Yes — Confer is an AI-native Encompass alternative, purpose-built before the ICE Encompass SDK sunsets on December 31, 2026. Where Encompass adds AI as plugins on top of legacy architecture, Confer is built from the ground up with nine specialized AI agents (eight live in production today). You can run Confer's AI pipeline alongside your existing Encompass setup first — 180+ bidirectional field mappings keep both in sync — then make Confer the system of record on your own timeline.
What happens when the Encompass SDK sunsets on December 31, 2026?
Every lender on ICE Encompass faces a replatforming decision when the Encompass SDK sunsets on December 31, 2026. Confer is the AI-native destination: rather than a rip-and-replace, Confer's AI agents run inside your current Encompass during a 60-day pilot, prove cost-per-loan and cycle-time savings on your own loans, then become the system of record — typically a 90-day migration for mid-market lenders.
What lenders does Confer serve?
Confer is built for mid-market U.S. mortgage lenders — credit unions, community banks, and independent mortgage banks originating 1,000 to 15,000 loans per year, currently running on legacy LOS platforms (primarily ICE Encompass). Annual contracts run from $250K to $900K based on loan volume.
How does the AI-native mortgage LOS work?
Unlike legacy systems with AI bolted on after the fact, Confer LOS was architected from day one with AI agents embedded in every layer — document classification, data extraction, income calculation, compliance checking, and borrower communication. Documents are classified in seconds using 3-tier AI, income is calculated deterministically per Fannie Mae 1084 guidelines, and compliance is enforced automatically through durable Temporal workflows.
Can Confer integrate with our existing Encompass setup?
Yes. Confer provides 180+ bidirectional field mappings with Encompass and automated E-Folder container assignment (U1–U15). You can run Confer's AI pipeline alongside your existing Encompass infrastructure — documents flow through Confer for processing, and results sync back to Encompass. This enables incremental adoption without replacing your current LOS.
What makes Confer's income calculation different?
Confer uses deterministic calculation — no LLM in the math path. Seven calculators handle W-2, Schedule C, Schedule E, K-1, investment, retirement, and other income following exact Fannie Mae 1084 methodology. Every calculation produces an auditable trail showing the inputs, formulas applied, and resulting qualifying income. Manual 1084 completion takes 20–45 minutes; Confer produces the same worksheet in under 5 seconds.
How do I get started with Confer?
Start with a free consultation where we'll assess your current mortgage operations, technology stack, and automation goals. We'll recommend a tailored implementation plan — whether that's the full Confer LOS platform, specific AI agents for document processing or compliance, or a custom integration with your existing systems. Contact us at info@confersolutions.ai or through our website.
See your loan run in 4 days, not 45.
30-minute walkthrough with the founding team. We'll bring a real loan trace from the April 2026 production run, you bring three of your typical files, and we'll show you where Confer would change the cycle time.
Book the Walkthrough