TRUE, a leader in AI-powered mortgage automation, has teamed up with Candor Technology, a top provider of automated AI underwriting, to unveil Instant Income Clarity—the first solution to deliver verified, GSE-aligned income analysis in minutes directly to loan officers and branch teams, not just underwriters.

Income verification has long been a bottleneck in mortgage lending. Traditional workflows often rely on offshore BPO teams and take hours—or even days—leaving loan officers and borrowers in limbo. Delays increase the risk of loan fallout and drive up operational costs.

AI-Driven Income Analysis in Minutes

Instant Income Clarity combines TRUE’s autonomous Background AI workers with Candor’s decisioning engine, which has underwritten more than 600,000 loans with zero repurchases. The solution delivers AI automation, 4x productivity gains, and real-time borrower insights, eliminating the need to wait for underwriting review to begin processing.

“This is the kind of breakthrough our industry has been waiting for,” said Steve Butler, CEO of TRUE. “By combining Candor’s proven underwriting automation with our autonomous data processing, we’re delivering speed, accuracy, and scale that simply haven’t been possible before. Instant Income Clarity is the first result of our partnership and it’s only the beginning.”

Transforming the Loan Lifecycle

Ryan Edmonds, CEO at Candor, added: “TRUE and Candor share a vision for a fully autonomous and transparent loan manufacturing process. By uniting clean, trusted data with warranted, trusted decisions, we are collapsing timelines, reducing risk, and eliminating waste in ways that fundamentally transform how lenders operate.”

The solution automatically updates as new borrower documents arrive—no manual reruns required—and supports a wide range of income types, including W-2, self-employed, commission-based, rental, and retirement income. Underwriters retain oversight for complex decisions, but routine analysis is now handled instantly and reliably.

Immediate Benefits for Lenders

• Faster borrower engagement and higher conversion rates
• Shorter cycle times and lower cost per loan
• Reduced errors, manual effort, and risk of repurchase
• Cloud-native deployment for rapid onboarding and scalability
• Continuous automation through Background AI workers

TRUE and Candor will showcase Instant Income Clarity at the MBA Annual Conference in Las Vegas, October 19–22, highlighting how AI-driven automation is reshaping mortgage operations.