AI agent platform promises to ‘transform mortgage operations’

Florida-based Theoris Software has launched a new artificial intelligence (AI) platform, AI agent, it says could transform how mortgage companies handle operations.

The platform introduces a digital agent named Alpha7x that automates key processes across the mortgage lifecycle.

The tool is being touted as the mortgage industry’s first AI-powered “co-pilot” capable of taking over many of manual, repetitive tasks that typically burden loan officers, servicers, and back-office staff.

Theoris claims Alpha7x can help lenders significantly reduce operational costs and improve compliance by automating tasks such as data entry, document review, and regulatory tracking.

“AI is no longer just a tool, it’s a workforce,” said Jim Cutillo, founder and CEO of Theoris Software. “Alpha7x redefines what’s possible by giving lenders and servicers an intelligent co-pilot to drive efficiency, reduce risk, and unlock new levels of scale.”

According to Theoris, inefficiencies including legacy systems, siloed data, and rising labor costs contribute to more than $300 billion in avoidable annual expenses across the sector.

Alpha7x is designed to plug directly into existing platforms without the need to replace core infrastructure. The software integrates with widely used loan origination systems and servicing tools.

The AI agent includes built-in regulatory awareness, drawing on a knowledge base of investor guidelines and underwriting requirements. It tracks and logs each transaction step, enabling audit-ready compliance documentation. The software also uses real-time analytics to flag potential risks and bottlenecks for human oversight.

Theoris says the system can deliver up to sevenfold productivity gains in specific tasks and cut operational costs by as much as 60%.

“This is the beginning of a new era for the mortgage industry,” Cutillo said.