Smarter, Faster Lending: How TRUE and Candor Are Bringing Instant Income Clarity to Loan Officers

TRUE and Candor launch a first-of-its-kind solution that delivers verified, GSE-aligned income analysis in minutes—available to loan officers and branch teams, not just underwriters.

In a major leap for mortgage automation, TRUE and Candor have joined forces to launch Instant Income Clarity — a first-of-its-kind solution that delivers verified, GSE-aligned income analysis to loan officers and branch teams in minutes. This innovation moves trusted income analysis upstream, empowering originators to engage borrowers earlier while reducing underwriting bottlenecks and costly manual work.

The Income Bottleneck in Mortgage Origination

Income analysis has long been one of the most time-consuming steps in the mortgage process. Traditional tools often take hours or even days to process borrower data, depend on offshore or manual review, and only generate insights once underwriters are involved. The result? Slower borrower engagement, rising costs, and lost deals.

How Instant Income Clarity Works

The new Instant Income Clarity platform merges TRUE’s autonomous AI “Background Workers” with Candor’s proven decisioning engine to produce verified, GSE-aligned income results in just minutes — accessible directly to loan officers rather than waiting on underwriters.

  • Automatic updates as new borrower documents arrive — no manual reruns.
  • Covers W-2, self-employed, commission, rental, and retirement income types.
  • Up to 4× productivity gains by eliminating redundant manual processes.
  • Embedded guardrails that keep underwriters in control while automating repetitive analysis.

“This is the kind of breakthrough our industry has been waiting for. 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.”

— Steve Butler, CEO of TRUE

“TRUE and Candor share a vision for a fully autonomous and transparent loan manufacturing process. By uniting clean, trusted data with warranted, trusted decisions and calculations, we are collapsing timelines, reducing risk, and eliminating waste in ways that fundamentally transform how lenders operate. This unified decisioning and intelligence platform powers next-gen automation from borrower document intake through post-close QC.”

— Ryan Edmonds, CEO of Candor

What Lenders Gain

By shifting income analysis earlier in the lending journey, lenders gain a significant competitive edge.

  • Faster borrower engagement and more confident preapprovals.
  • Shorter cycle times and lower cost per funded loan.
  • Fewer manual touches and reduced human error.
  • Enhanced compliance and audit readiness.
  • Cloud-native scalability for rapid rollout.

About the Partners

TRUE

TRUE is an AI-driven mortgage automation platform that powers real-time borrower intelligence across the loan lifecycle. Its Mortgage Operations Service (MOS) automates document classification, income analysis, and decisioning — removing bottlenecks and boosting lender productivity. Learn more on TRUE’s Mortgage Advisor Tools profile.

Candor

Candor Technology delivers next-generation underwriting automation through its patented decisioning engine and Loan Engineering System (LES / CogniTech). The platform helps lenders produce faster, compliant loans with fewer manual interventions. Learn more on Candor’s Mortgage Advisor Tools profile.

Mortgage Underwriting Software & AI’s Role

What Is Mortgage Underwriting Software?

Mortgage underwriting software automates the evaluation of borrower credit, income, assets, debts, and collateral — helping determine whether a loan meets investor and regulatory standards. It uses data extraction, rules engines, and predictive analytics to make faster, more consistent credit decisions.

How Can AI Help Lenders Close Loans Faster?

  1. Borrower intelligence: AI can read and interpret pay stubs, W-2s, and bank statements in real time, automatically updating borrower data as new information arrives so loan officers can qualify borrowers faster.
  2. Underwriting automation: AI decisioning engines (e.g., Candor) apply complex underwriting logic automatically and flag exceptions for human review — shrinking cycle times, minimizing rework, and enhancing compliance accuracy.

FAQs

Who is TRUE?

TRUE is an AI-driven mortgage automation company that streamlines operations through real-time borrower intelligence, automated data extraction, and decisioning.

Who is Candor?

Candor Technology is a leader in automated underwriting, providing a patented decisioning engine that enables compliant, high-quality loans with fewer manual steps.

How can TRUE and Candor help mortgage lenders?

Together, they offer Instant Income Clarity — a solution that delivers verified income data to loan officers in minutes, helping lenders close loans faster and more efficiently.

What is mortgage underwriting software?

Underwriting software automates the risk assessment process, analyzing borrower data to ensure compliance and speed up loan approvals.

How can AI help lenders close loans faster?

AI enables real-time borrower insight and automates decisioning, reducing manual reviews and accelerating loan cycles while improving accuracy and compliance.