The Mortgage Office launches AI Portfolio Tools to help private lenders spot risk earlier and get more from their data. The Mortgage Office November 5, 2026 HUNTINGTON BEACH, Calif., Nov. 5, 2026 - The Mortgage Office (TMO), a leading provider of loan management software for private lenders, today announced its Turing release of enhancements to the company's cloud-based platform. The Turing release brings a new suite of AI portfolio tools that includes Portfolio Risk Predictor, AI Data Explorer, MCP and enhanced APIs, all with AI-powered capabilities designed to unlock the value of data already stored within TMO's lending platform. Private lenders accumulate years of loan, payment, and borrower data, but few have the data science resources to turn it into forward-looking insight. The AI portfolio tools apply AI directly to the data lenders already manage in TMO, without requiring a separate analytics platform, data migration, or dedicated analysts. "Many private lenders already have the data they need to do deep analytics to unearth insights and spot trouble early. It's just buried in payment histories and reports nobody has time to build," said Dr. Akhil Sahai, Chief AI & Product Officer at The Mortgage Office. "Our AI portfolio tools suite applies AI to that data where it already lives, so a servicing team can see which loans are drifting toward default, and why, before it shows up as a delinquency. Beyond risk, anyone on the team can get answers from their data in plain language, and developers can connect it directly to the AI tools they already use." TMO's new AI Portfolio Tools include: * Portfolio Risk Predictor: Uses predictive modeling to flag loans trending toward default, with a clear explanation behind every score. Rather than a black-box rating, each risk score shows the specific factors driving it, such as late payments, non-sufficient funds, and accruing charges, along with trend lines that track loan performance over time. TMO used 5.8 million data points to build its model. Lenders can use these insights to intervene earlier, document the reasoning behind their actions, and measure whether their risk mitigation strategies are working. * MCP Support and Enhanced APIs: Gives users and developers a direct connection between TMO data and AI tools and custom workflows. Modernized APIs and new support for Model Context Protocol (MCP) allows TMO users to query their data in plain language, and it enables developers to automate processes across their operations and build agentic workflows with tools such as Claude or ChatGPT. * AI Data Explorer: Lets users generate custom exports by selecting tables, renaming columns, and applying filters, without writing API code. Once an export is ready, users can ask questions about the data in plain language and get answers in seconds. Conversations stay attached to each export, so teams can return later with follow-up questions without recreating the dataset. The Turing launch follows the company's announcement last week of TMO Envoy, its new AI-native loan origination system. Together, the two releases reflect The Mortgage Office's continued investment in AI capabilities and products that address the real-world challenges private lenders face. Visit the Turing release page: https://www.themortgageoffice.com/ai-portfolio-tools-release/ for more information about TMO's new AI portfolio tools. About The Mortgage Office The Mortgage Office (TMO) is the most trusted loan management platform empowering 1,100+ private lenders, municipalities, nonprofits, and educational institutions. TMO is recognized as the top ranked loan servicing platform in G2's 2026 Best Software Awards. Its cloud-based platform streamlines lending operations through accurate, compliant, and automated solutions for loan origination, loan servicing, fund management, and construction management. With cutting-edge features like market analytics, borrower and investor portals, draw management, third-party integrations, and numerous out-of-the-box reports, TMO enables lenders to confidently scale managing even the most complex loans. For more information, visit www.themortgageoffice.com. Media Contact The Mortgage Office. The Mortgage Office (TMO) has been the trusted choice of high-performance lenders for over four decades because Applied Business Software, Inc. understand what's at stake when you're managing millions in loans and vital investor relationships.

The Mortgage Office launches TMO Envoy: an ai-native intelligent loan origination system built to transform private lending. Envoy adapts to each lender's own underwriting policies, preparing and validating every loan file in minutes so teams can focus on decisions and borrowers HUNTINGTON BEACH, Calif., October 28, 2026 (Newswire.com) - The Mortgage Office (TMO), the loan management platform trusted by more than 1,100 lenders, today launched TMO Envoy, an AI-native loan origination system built for private lending. In Envoy, AI agents prepare, validate and orchestrate work, while humans focus on judgment and credit decisions. Document review that could typically take 10 hours per loan is cut down to minutes. TMO Envoy puts an AI agent behind every role on the lending team: processor, underwriter, loan officer, and borrower. By the time anyone opens a file, the documents are sorted, the data is filed, public records are pulled, and the loan has been checked against the lender's own underwriting policies. The result is more loans closed, faster, without headcount growing at the same pace. "Private lending is a business of judgment, not document management," said Dr. Akhil Sahai, Chief AI & Product Officer at The Mortgage Office. "Envoy runs on a simple rule: agents do 80% of the work, lenders make 100% of the decisions. Every AI action is traced, audited and explainable, and Envoy follows each lender's own credit policy, not ours. In private lending, transparency and control aren't optional. That's why we built Envoy - to establish the industry's highest standards for flexibility but without compromising AI governance, security or compliance." Underwriting analytics and market intelligence is also built into TMO Envoy. SFR Analytics, which was acquired by The Mortgage Office in July 2026, is integrated into the automated loan origination workflows and delivers insights into borrower lending history, related LLCs, liens and foreclosures before the underwriting even starts. Some notable features of TMO Envoy include: * Policy Center: Envoy turns unstructured checklists, policy guidelines and other disorganized underwriting data into rules and exceptions that govern across loans. * Easy onboarding: Envoy provides flexibility to every lender to configure their products and user flows, or use TMO starter templates, to meet their requirements. * Document library: Classifies and extracts data from 100+ document types, including bank statements, operating agreements, tax returns and appraisals. * Entity and multi-party loans: LLCs, trusts and partnerships as borrowers, with nested entities and ownership percentages; repeat borrowers are found and linked. * Terms and fees engine: Amortization, ARMs, payment schedules and term sheets, calculated, not re-keyed. * Servicing handoff: Closed loans will move into TMO servicing with no data re-entry. TMO Envoy is designed for scaling complex loan portfolios, building off the company's 45+ years of experience serving private lenders with proven accuracy and security. The product is the first to be released from TMO's new San Mateo innovation hub that brings together the benefits of AI native engineering with TMO's long standing expertise in private lending. "Private lenders have trusted TMO with their portfolios, their investors' money and their compliance for more than four decades," said Sourabh Chirimar, CEO of The Mortgage Office. "Envoy brings that same discipline to the frontend of the loan. Agents take on the document chasing and data entry, so lenders can grow their book without growing their back office. Our goal is to give lenders one platform that supports every stage of the loan lifecycle, from application to payoff." Watch TMO Envoy in action and see it on your own loans by scheduling a demo at themortgageoffice.com/envoy-ai-loan-origination-system. About The Mortgage Office The Mortgage Office (TMO) is the most trusted loan management platform empowering 1,100+ private lenders, municipalities, nonprofits, and educational institutions. TMO is recognized as the top ranked loan servicing platform in G2's 2026 Best Software Awards. Our cloud-based platform streamlines lending operations through accurate, compliant, and automated solutions for loan origination, loan servicing, fund management, and construction management. With cutting-edge features like market analytics, borrower and investor portals, draw management, third-party integrations, and numerous out-of-the-box reports, TMO enables lenders to confidently scale managing even the most complex loans. For more information, visit www.themortgageoffice.com. Media Contact