LOS ANGELES, January 2026 — LoanLight today announced the launch of its AI agent platform for complex mortgage underwriting. Embedded directly into existing loan origination systems, LoanLight’s AI agents validate each loan file for completeness, accuracy, and investor eligibility from intake through close—helping lenders move faster with greater confidence across non-agency lending.
Borrower profiles are evolving, even if underwriting infrastructure is not. Self-employed professionals, real estate investors, and asset-rich borrowers with non-traditional income now represent a growing share of mortgage demand. Total U.S. mortgage originations are projected to reach roughly $2.2 trillion by 2026, with non-agency products—including non-QM, jumbo, and DSCR—representing an estimated $500 billion of annual volume. Non-QM alone now exceeds $100 billion in originations, supported by strong investor demand and record securitization activity.
What has not kept pace with this growth is the underlying infrastructure. Unlike agency lending, which benefits from standardized data and a widely adopted automated underwriting system, non-agency underwriting remains highly manual and fragmented. Loan files are frequently incomplete or inconsistent at submission, forcing repeated reviews by underwriters, investors, and diligence teams. The result is longer cycle times, higher origination costs, and increased downstream risk.
“Underwriters spend too much time fixing files instead of making decisions,” said Max Klein, Founder and CEO of LoanLight. “LoanLight puts AI agents to work upstream, continuously validating the loan file so teams can focus on judgment, not cleanup.”
LoanLight is an AI agent platform built to mirror the work of expert underwriters. Its always-on agents automatically check document health, validate key data across borrower documents, cross-reference the 1003 against program guidelines, and surface issues the moment they appear. Rather than running one-time checks, the platform maintains a living, auditable view of each loan throughout the underwriting lifecycle. LoanLight integrates natively with Encompass, enabling near-zero IT setup, and also offers a robust API for lenders using other systems.
Early design partners representing tens of billions of dollars in annual origination volume are already running LoanLight alongside their underwriting teams. These lenders are seeing increased throughput, faster underwriting cycles, and fewer last-minute fire drills before loans reach clear-to-close—providing a strong early signal of the platform’s impact.
“Complex underwriting is exactly where AI agents excel,” Klein added. “This work is document-heavy, rule-dense, and high-stakes. Our goal is to give lenders AI teammates they can trust.”
LoanLight’s mission is to enhance confidence and remove friction in complex mortgage transactions through purpose-built technology. The company was co-founded and funded by Stackpoint, a venture studio and fund that conceives, builds, and backs B2B agentic AI companies in complex industries.
