MONMOUTH BEACH, N.J., Oct. 2, 2025 /PRNewswire-PRWeb/ -- AIi1 Technologies today unveiled AI Lending Suite 2.0, a major upgrade that fuses advanced machine learning with fintech workflows to deliver real‑time, economy‑aware credit decisions. The release adds Predictive Repayment Scoring and native, two‑way LendingPad LOS integration, positioning AI1 at the intersection of financial innovation and operational efficiency.
Highlights of Release 2.0
- Predictive Repayment Scoring — Forward‑looking risk, pricing, and credit‑limit adjustments from live micro and macro indicators to optimize portfolios and margins in volatile markets, utilizing specialty incrementally trained models on customer, Fannie Mae, Freddy Mac SFLP/SFLD records, and MERS data.
- Native real‑time LendingPad integration — Two‑way sync between LendingPad LOS and AI1's Dynamic Dashboard for seamless adoption without workflow changes.
"With Release 2.0, AI1 brings fintech agility directly inside LendingPad LOS. Our AI analyzes applications in real time and syncs instantly with our dynamic dashboard. Most importantly, ScoreAI™ now makes credit decisions in the context of a continuously evolving economy—not static assumptions."
— Philip Wallace, CEO, AI1 Technologies and Sea View Mortgage
"We're advancing specialized ensemble AI models for ultra‑low‑latency, high‑volume decision support assessments computation."
—Dr. Konstantin Malkov, CTO, AI1 Technologies
Why It Matters
Legacy credit models can't keep pace with market volatility. AI1's fintech‑driven approach blends borrower financial data, employment history, and live economic factors to continuously update scoring, pricing, and default forecasts—reducing manual work, lowering cost per loan, and unlocking new revenue opportunities.
AI1 also tackles revenue leakage by reducing "near‑miss" denials (~3.6% avg. in 2024) and late eligibility notifications/refi reactivations (~8.4%), for ~12% of margin commonly lost (Urban Institute and MBA). In a $12.9T U.S. lending market (excluding consumer credit and factoring), that leakage translates into billions in lost profit.
Across POS, LOS/back office, and underwriting, a typical lender can cut ~17–24% from average production cost per loan— about $2,250 per loan using MBA's Q2 2025 benchmark of $10,965. In best‑case fully digitized operations, 30–40% is achievable.
"AI1 optimizes and automates origination and underwriting, cutting loan costs and boosting margins—and LendingPad integration makes daily operations seamless."
—Bill Halick, CEO, Aceland Mortgage
"By adapting high‑precision KAN (Kolmogorov–Arnold) and stacked AI/ML models running on digital GPUs to novel photonic computing—including Microsoft's Analog Optical Computer (AOC)—AI1 is preparing the next generation of fintech infrastructure, combining massive scalability with energy‑efficient, ultra‑fast inference."
—Prof. Natalia Berloff, University of Cambridge
Availability
- Request a demo to see AI Lending Suite 2.0 in your workflows.
- Free AI1 Lending Suite version with core features at no cost.
- AI1 Marketplace Portal waitlist for AI1 lender - applicant exchange (coming soon).
About AI1 Technologies
AI1 Technologies, builds economy‑aware, real‑time AI lending tools for mortgage, consumer, and business credit. Offerings—ScoreAI™, Predictive Repayment Scoring, chat/voice intake, scenario analysis, and open APIs—integrate with leading LOS platforms. AI1 pioneers Physical Neural Network (PNN) acceleration while advancing explainable KAN and ensemble‑based models, delivering fintech‑grade innovation practical for banks, credit unions, and alternative lenders.
27 Beach Ave Suite 5 Monmouth Beach, NJ 07750 | +1 732 795 3717 | [email protected]
About LedningPad
LendingPad® is a modern and innovative Loan Origination System (LOS) serving lenders, brokers, bankers, credit unions, and wholesalers with centralized and compliant automated technology tailored to the mortgage industry. Recognized for excellence with the Housing Wire's Tech 100 award, LendingPad streamlines the entire mortgage lending process while reducing operational costs. The National Association of Mortgage Brokers (NAMB) platform endorses the platform. LendingPad is a proud member of the Mortgage Bankers Association (MBA), ACUMA, NYAMB, and the MISMO organization.
Media Contact
Philip Wallace, ai1 Technologies, 1 7323198780, [email protected], https://ai1technologies.com/
Konstantin Malkov, ai1 Technologies, 1 7327953717, [email protected], https://ai1technologies.com/
SOURCE ai1 Technologies
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