TRUE, a leader in AI-powered mortgage automation, and Candor Technology, a pioneer in automated AI underwriting, have teamed up to launch Instant Income Clarity, a breakthrough solution that provides verified, GSE-aligned income insights in minutes. For the first time, loan officers and branch teams not just underwriters can access accurate income analysis instantly, helping borrowers move through the process faster and more smoothly.
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Income verification has traditionally been a major bottleneck for lenders. Manual processes, reliance on offshore outsourcing, and delays in underwriting reviews often leave loan officers waiting days, slowing borrower engagement and increasing operational costs. Instant Income Clarity changes that. By combining TRUE’s Background AI workers with Candor’s proven decision engine—responsible for over 600,000 underwritten loans with zero repurchases—the solution automates routine income analysis, delivering faster results, improved accuracy, and a much better experience for both lenders and borrowers.
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“This is the kind of innovation our industry has been waiting for,” said Steve Butler, CEO of TRUE. “By uniting Candor’s underwriting automation with our autonomous data processing, we’re creating speed, accuracy, and scale that were impossible before. And this is just the beginning.” Ryan Edmonds, CEO of Candor, added, “We share a vision for a fully autonomous, transparent loan process. By combining clean, trusted data with reliable decisions, we’re reducing risk, eliminating inefficiencies, and fundamentally transforming how lenders operate.”
The platform continuously updates results as new borrower documents arrive and supports a wide range of income types from W-2 and self-employed to commission, rental, and retirement income—while allowing underwriters to focus on more complex cases. For lenders, the benefits are immediate: faster borrower engagement, shorter cycle times, fewer errors, lower cost per loan, and scalable, cloud-native deployment.
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TRUE and Candor will showcase Instant Income Clarity at the MBA Annual Conference in Las Vegas from October 19–22, demonstrating how AI-driven automation is reshaping the mortgage experience for both lenders and borrowers.
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