MQube
MQube builds Origo, an AI mortgage origination platform that automates document analysis, affordability assessment and underwriting for UK lenders and brokers, covering…
Overview
MQube builds Origo, an AI mortgage origination platform that automates document analysis, affordability assessment and underwriting for UK lenders and brokers, covering residential, buy to let, portfolio lending and product switching. It proved the technology by operating its own regulated lender, MPowered Mortgages, which delivers decisions to more than 97 percent of customers within a day against a three week industry average, became the fastest growing UK lender by 2024 on industry body data, and is described as the country's lowest marginal cost originator. The platform is now sold to other institutions, including a building society whose broker portal it powers. A large language model chatbot ingests a lender's own policies to answer broker criteria questions, offered with a sandbox so lenders can test it against their policies before deploying. Its valuation model draws on around 180 property data points.
Details
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