# Confer Solutions AI — confersolutions.ai > AI-native loan origination system for U.S. mortgage lenders. Built by an > 18-year Wells Fargo SVP. Five specialized AI agents replace legacy LOS > platforms (primarily ICE Encompass) for credit unions, community banks, > and IMBs originating 1,000–15,000 loans per year. ## Primary product - [Confer LOS](https://confersolutions.ai/solutions/mortgage-los): AI-native loan origination system. 8 AI agents, 298 routes, deterministic Fannie Mae 1084 income calculation, 180+ Encompass bidirectional fields. Annual contracts $250K–$900K based on volume. - [Pricing](https://confersolutions.ai/pricing): Usage-based enterprise model. Three tiers — Starter, Professional, Enterprise. ## AI agents (the workflow) - [Sales Agent](https://confersolutions.ai/ai-agents/sales-agent): Inbound lead to pre-approval letter in 8 minutes. - [Processing Agent](https://confersolutions.ai/ai-agents/processing-agent): Document intake, income calculation, conditions in 36 minutes per loan. - [Underwriting Agent](https://confersolutions.ai/ai-agents/underwriting-agent): Credit, capacity, collateral analysis. Decision recommendations in roughly 4 hours per loan. - [Closing Agent](https://confersolutions.ai/ai-agents/closing-agent): Closing Disclosure, TRID timing, wire and funding — automated. - [Compliance Agent](https://confersolutions.ai/ai-agents/compliance-agent): TRID, ECOA, ATR/QM, HMDA enforced by Temporal workflow. - [Voice Agent (Kylie)](https://confersolutions.ai/ai-agents/voice-agent): AI voice for borrower self-service and team coordination. - [Worker Agent](https://confersolutions.ai/ai-agents/worker-agent): The AI agent for the long tail of repetitive mortgage tasks. - [Post-Closing Agent](https://confersolutions.ai/ai-agents/post-closing-agent): Trailing documents, investor delivery, pre-purchase QC automated. - [Autonomous Mortgage Bank](https://confersolutions.ai/ai-agents/autonomous-mortgage-bank): Eight specialized AI agents working in concert from application to funded. ## Solutions (component-level) - [Document Processing](https://confersolutions.ai/solutions/document-processing): 30–50 documents per loan, classified and parsed in seconds. - [Income Calculation](https://confersolutions.ai/solutions/income-calculation): Deterministic 1084. No LLM in the math path. - [Compliance Engine](https://confersolutions.ai/solutions/compliance-engine): Compliance as Infrastructure, Not a Checklist. - [MCP Platform](https://confersolutions.ai/solutions/mcp-platform): The first mortgage platform built on the Model Context Protocol. - [Risk Assessment](https://confersolutions.ai/solutions/risk-assessment): Risk classification on every loan, with the evidence trail attached. - [Fraud Detection](https://confersolutions.ai/solutions/fraud-detection): Income misstatement, occupancy fraud, identity verification. - [Voice AI (Kylie)](https://confersolutions.ai/solutions/voice-ai): 24/7 borrower voice AI. No app. No portal. No hold queue. - [Data Analytics](https://confersolutions.ai/solutions/data-analytics): Mortgage pipeline analytics benchmarked against MBA and Freddie Mac. - [RAG Chatbot](https://confersolutions.ai/solutions/rag-chatbot): Borrower chatbot grounded in your underwriting guidelines. ## Standalone tools (rolling launch 2026–2027) - [/tools (index)](https://confersolutions.ai/tools): Five single-purpose mortgage utilities, $19 each. - [MISMOFix](https://confersolutions.ai/tools/mismofix): Fix rejected MISMO 3.4 XML in 30 seconds. Coming Q3 2026, waitlist open. - [URLA Compare](https://confersolutions.ai/tools/urla-compare): Stare-and-compare QC for URLA against source documents. Coming Q4 2026. - [AUS Interpreter](https://confersolutions.ai/tools/aus-interpreter): Translate DU and LP findings to plain-English. Coming Q4 2026. - [LE-CD Reconciler](https://confersolutions.ai/tools/le-cd-reconciler): TRID tolerance check, LE vs CD. Coming Q4 2026. - [AVM Diff](https://confersolutions.ai/tools/avm-diff): AVM vs. URAR appraisal comparison. Coming Q1 2027. ## Industries — Product - [Banking](https://confersolutions.ai/industries/banking): AI for community banks and credit unions. - [Finance & Mortgage](https://confersolutions.ai/industries/finance-mortgage): AI-native mortgage origination for U.S. lenders. ## Industries — Custom AI Development (consulting practice) - [Healthcare](https://confersolutions.ai/industries/healthcare) - [Retail & E-commerce](https://confersolutions.ai/industries/retail-ecommerce) - [Insurance](https://confersolutions.ai/industries/insurance) - [Legal](https://confersolutions.ai/industries/legal) - [Nonprofit](https://confersolutions.ai/industries/nonprofit) - [Aerospace & Defense](https://confersolutions.ai/industries/aerospace-defense) ## About - [About Confer](https://confersolutions.ai/about): An AI-native mortgage LOS, built by mortgage operators. - [Founder — Yatin Karnik](https://confersolutions.ai/about/founder): Founder & CEO of Confer Solutions; 18 years at Wells Fargo Home Mortgage; US patent holder. - [Newsroom](https://confersolutions.ai/about/newsroom): Press features in Forbes, Benzinga, National Mortgage News. - [Contact](https://confersolutions.ai/about/contact): Allen, TX. yatin@confersolutions.ai. ## Comparison & reference - [AI vs Manual Underwriting](https://confersolutions.ai/compare/ai-vs-manual-underwriting): Sourced comparison. - [2026 Benchmark Report](https://confersolutions.ai/benchmark-report): Annual mortgage technology benchmark. - [Executive Order Analysis](https://confersolutions.ai/executive-order): Mortgage credit executive order — analysis for community banks and IMBs. ## Sources we cite - MBA Quarterly Performance Report (Q4 2024 baseline; 2025 annual) - MBA Mortgage Finance Forecast (April 2026) - Freddie Mac Cost-to-Originate Study (2024 update) - ICE Origination Insight / Mortgage Monitor (2024) - ACES Mortgage QC Industry Trends Report (Q4 2024) - Blend Labs 10-Q FY2024 - HMDA 2024 LAR filings - Confer internal — April 2026 production run (loan ID de11dceb-87aa-4a16-9e62-fee99a0f60e7)