Phil Shoemaker, CEO of The Loan Store (TLS) discusses how MOZAIQ helped TLS scale to over $1.5 Billion in monthly originations
“The cyclical nature of our business has always forced lenders into the same destructive pattern — hire when volumes rise, fire when they fall. What we’ve accomplished with the MOZAIQ platform is a cost structure that’s variable. Now we can scale our operation up and down with automation, without the headcount swings. That changes everything.”
Phil Shoemaker
CEO, TLS
Every stage of the mortgage fulfillment process — from loan setup to loan delivery — automated on a single, integrated platform, with an AI-powered assistant for your loan processors, underwriters, and post-close teams.
Assemble complete, underwriter-ready loan files before the file ever reaches the desk.
Validates documents, populates the LOS, identifies missing or expired items, triggers conditions, and notifies loan officers — cutting clear-to-close timelines by 70%.
Analyze appraisals automatically so your underwriters get cleaner inputs and make faster decisions.
Reviews 1004s, 1073s, 1025s, flood certs, contracts, and title reports — flagging discrepancies, omissions, and compliance issues, then pushing findings directly into the LOS. Review time drops from 30 minutes to 5 minutes for loan packages with CU scores of 2.5 or below — an 83% reduction.
Resolve conditions before the underwriter ever opens the file.
Runs asset validation, credit analysis, income verification, and AUS compliance checks upstream, then performs real-time data consistency checks against the LOS — automating up to 80% of the routine task load so underwriters focus on credit judgment, not stare-and-compare, at least doubling their daily throughput.
Catch closing errors before they become funding delays.
Scans and validates the Closing Disclosure, Note, Mortgage, Title Policy, and supporting documents — identifying TRID violations and guideline deviations, generating audit-ready checklists, and updating the LOS automatically. Issues that would have stalled funding are caught and resolved before they cost the lender time and money.
Validate every post-closing loan file before it becomes an expensive defect.
Automates the review of closing documents, MI certificates, and compliance data across multiple loan types — identifying mismatches, missing documents, and compliance gaps, then uploading a clean audit trail directly into the LOS. Post-closing defects that carry penalties of up to 30% of a loan’s value are caught at the source.
Validate every post-closing loan file before it becomes an expensive defect.
Automates the review of closing documents, MI certificates, and compliance data across multiple loan types — identifying mismatches, missing documents, and compliance gaps, then uploading a clean audit trail directly into the LOS. Post-closing defects that carry penalties of up to 30% of a loan’s value are caught at the source.
A proven combination that delivers measurable results for our clients.
We’ve run the workflows, managed the pipelines, navigated the audits, and felt the margin pressure firsthand. We didn’t study mortgage operations from the outside — we lived them.
That’s why we built the MOZAIQ Agentic Mortgage AI platform as an end-to-end solution. We know what happens when lenders try to solve complex operational challenges by stitching together fragmented point solutions. It doesn’t work. It never has.
We give lenders a single, integrated AI platform that eliminates the reliance on the hire-and-fire cycle that happens every time interest rates shift. The result: lower costs, faster closings, more efficient underwriters, and an operation that scales on demand.
Automation eliminates the manual, people-intensive work that drives per-loan expenses — converting fixed personnel costs into variable costs that flex with your volume.
Clean, validated, condition-free files reach the underwriter ready for credit judgment — not hours of stare-and-compare data checking.
Every bottleneck between loan setup and closing — document validation, condition creation, compliance checks, manual handoffs — is automated before it slows you down.
Add capacity with automation when volumes surge and contract when they slow — no hiring sprees, no layoffs, no institutional knowledge lost.
Reduce per-loan costs by up to 50% through automation and operational efficiency gains.
Process 100% more loans with the same team by eliminating bottlenecks and manual work.
Complete underwriting decisions up to 50% faster while maintaining higher quality standards.
Achieve significantly higher loan quality through consistent AI-driven decision making and reduced human error.
Agentic Mortgage AI uses self-configuring intelligent agents purpose-built for mortgage fulfillment — AI that can autonomously adapt to regulatory changes, resolve loan conditions, and process loans end-to-end across the entire fulfillment lifecycle. Unlike traditional approaches that rely on disconnected point solutions like RPA, OCR, or IDP to automate individual tasks, Agentic Mortgage AI integrates these capabilities into a single platform where specialized agents collaborate across the full loan lifecycle on one data layer, one orchestration engine, and one integration with your LOS. MOZAIQ pioneered this approach, and it is the foundation of everything we deliver.
MOZAIQ's platform automates the entire loan fulfillment lifecycle: document indexing, loan setup, appraisal review, underwriting assist (asset, credit, income, and AUS review), closing and funding, post-close review, and loan delivery to GSEs and aggregators. The platform also includes cross-lifecycle capabilities such as milestone monitoring, automated condition management, compliance review, conversational loan file queries, and loan-level summaries and checklists.
MOZAIQ automates up to 80% of the routine underwriting task load by validating assets, credit, income, and AUS compliance upstream — before the file ever reaches the underwriter. The result is cleaner, condition-free files that let underwriters focus on credit judgment instead of data checking. Clients have achieved up to a 50% reduction in underwriting time while maintaining higher quality standards.
Lenders using MOZAIQ's platform have achieved up to a 50% reduction in origination costs, 70% faster clear-to-close timelines, and up to 50% more efficient underwriting. One top-ten wholesale lender reduced production cost per loan from $3,600 to $2,200 within 12 months — a 40% reduction — while scaling from $10 million to over $2 billion in monthly originations. These are production results, not projections. Note: these cost-per-loan figures reflect fulfillment and operational costs and do not include broker compensation, which can account for up to 50% of the total cost to originate a loan.
Yes. MOZAIQ is SOC 2 Type II certified, which means the platform has been independently audited to meet the highest standards for data security, availability, processing integrity, confidentiality, and privacy. The platform is built with compliance and auditability at its core — every AI recommendation includes source references and complete audit trails, making it fully defensible to regulators, investors, and QC teams. The human-in-the-loop architecture ensures that AI becomes a compliance advantage, not a compliance risk.
Industry analysis, product updates, and practical insights on adopting Agentic Mortgage AI — written by the team that’s building it.
“With MOZAIQ’s AI-powered mortgage platform we scaled up 10x our loan volume without adding staff from day one, significantly reducing our costs while boosting throughput. MOZAIQ’s end-to-end intelligent mortgage automation solution allowed us to automate and optimize across our entire loan fulfillment process, reducing our processing costs, managing market fluctuations, and delivering the flexibility we need to grow profitably while maintaining loan quality.”
Phil Shoemaker
CEO, TLS
“We selected MOZAIQ not only because it gave us flexibility, scale, and cost savings but also because it layered seamlessly on top of our Encompass LOS. As a result, the MOZAIQ intelligent automation solution is an integral part of our strategy and operations to drive down our cost per loan while increasing loan volumes effortlessly without the high cost of hiring additional staff.”
Emily Vondrak
Sr VP, Director of Strategic Operations, PRMG
“MOZAIQ’s intelligent automation platform gives us adaptable, flexible capacity with their per loan pricing model that allows us to scale up or down quickly with changing business. Getting started was quick and we saw benefits in less than a month without hiring new resources or making significant changes to our existing Loan Origination System (LOS).”
Russell Delffs
Chief Credit Officer & Operations Manager, John Adams Mortgage
