For US lenders
The only horizontal agentic AI your lender can actually buy.
Betsy is locked inside Better. Sierra is locked inside Rocket. Aurora needs Encompass. The 8,000+ credit unions, IMBs, community banks and brokerages with no captive option now have one: independent, LOS-agnostic, multilingual, live across 10+ institutions and ~1,000 branches.
What the borrower sees
One conversation. Four moments no rate tool can deliver.
The landscape
Four categories of mortgage AI. AFDAL is the fifth.
| Category | Examples | Why it can't serve the wider market |
|---|---|---|
| Captive AI | Better Betsy · Rocket Sierra · Beeline Bob 2.0 | Owned by a lender that competes with you. Cannot be licensed out. |
| LOS-tied AI | ICE Aurora · Tavant MAYA · Blend AI | Locked to one LOS. Adopting the AI becomes an LOS-switching decision. |
| Point solutions | Voice-only, docs-only tools | Single function, not infrastructure. Often integration partners. |
| End-to-end fulfillment | MOZAIQ | Fulfillment-heavy, advisor-light. Large-IMB focused, English-only. |
| AFDAL · the fifth category | Independent horizontal infrastructure | Combinatorial engine + voice + multilingual + LOS-agnostic. Sells to CUs, IMBs, brokers and community banks in parallel. |
| Buyer question | Captive | LOS-tied | MOZAIQ | AFDAL |
|---|---|---|---|---|
| Deploy without switching my LOS? | No | No | Yes | Yes |
| Already serves multiple institutions? | No | Partial | Limited | Yes (10+) |
| Combinatorial optimization, not just voice? | Partial | Partial | Fulfillment | Yes (proven) |
| Works natively in Spanish? | No | No | No | Yes |
| Per-MLO pricing for brokers? | No | No | No | Yes |
| Published outcomes from a Tier-1 bank? | Parent only | Very new | Top-10 IMB | Yes |
US integrations
Plugs into the US mortgage stack. Replaces none of it.
AFDAL is not rebuilding a pricing engine or an LOS. It sits above them as the borrower-facing advisory layer and connects by API to the systems US lenders already run, starting with Encompass and Optimal Blue.
Loan origination (LOS)
The file lands pre-structured in the lender's system of record.
Product & pricing (PPE)
Live rate sheets and LLPAs feed AFDAL's feasible-set search.
Market & competitive data
The US equivalent of the afdal.ma data flywheel for Pulse and Copilot.
Integration targets, not announced partnerships. Company and product names are trademarks of their owners; their mention implies no affiliation or endorsement. Encompass certification is a 6–12 month program we fund as priority one.
ROI
Three levers your CFO can model.
Lead-funnel recovery, loan-officer productivity and cycle-time compression. Move the slider to your annual volume.
Indicative. Based on AFDAL's US value model (MortgagePoint, BalancedComp, MBA, AppsTek benchmarks), calibrated on 500 / 2,000 / 5,000-loan lenders. We rebuild it on your own numbers in the briefing.
Who we serve in the US
~8,000 institutions with the same broken front door.
| Segment | Count | Focus | Source |
|---|---|---|---|
| Credit unions | 4,287 | 739 complex CUs above $500M: the disciplined target | NCUA Q4 2025 |
| Community & regional banks | ~3,960 | Mortgage programs, no in-house AI team | FDIC 2026 |
| Independent mortgage banks | ~1,000 | #11–#200 by volume: big enough to buy, too small to build | MBA |
| Broker companies | ~24,700 | ~20 mega-brokerages with 500+ MLOs | NMLS |
| Producing loan officers | 221,161 | The per-seat market for the broker channel | HousingWire / RETR 2026 |
Anchor pilot program
Selecting 3 anchor pilots for Q1 2027.
30-minute briefing
We map your front door, branch tooling and LOS to AFDAL's modules.
AFDAL-funded 90-day pilot
One channel, co-defined KPIs, independently audited outcomes.
Production in weeks
On a green verdict, the same brain expands to web, app, branch and voice.
Straight answers
What we don't claim.
- Morocco doesn't prove the US. It proves the engine at scale; US pilots close the gap.
- We don't do credit decisioning. Pricing, structuring and eligibility advisory only; the lender keeps the decision.
- We don't rebuild your pricing engine. We connect to Optimal Blue and your LOS by API.
- Integrations aren't trivial. Encompass certification is a 6–12 month effort, sequenced as priority one.
US compliance track
The vendor gate, already underway.
| SOC 2 | Type I audit in progress. Type II not started: its 6-month observation window opens once Type I is issued | In progress |
| TCPA | Program for AI voice: consent, AI disclosure, opt-out, US counsel | In progress |
| MISMO 3.6.2 | Data mapping and software certification for GSE interoperability | In progress |
| SR 26-2 | Vendor model-validation package for your model-risk team | In progress |
| Encompass · Optimal Blue | Certified integrations, priority one | In progress |
Activate AFDAL for your institution.
Choose your modules, get sandbox keys and an embed snippet in minutes. A deployment lead joins you for go-live.