# Addy AI > Addy AI is the AI underwriting brain for mortgage lenders. Its mortgage-native AI agents pre-underwrite a loan file in under 5 minutes: they read loan documents page by page, calculate income, review assets and credit, check the file against agency and lender guidelines and AUS findings, and flag missing items before the file reaches an underwriter. Addy AI works inside Encompass, MeridianLink and other loan origination systems, is SOC 2 Type 2 compliant, and is sold on custom enterprise pricing. ## Key facts - Company: Addy AI, Inc. Official domains are addy.com (website), app.addy.so (product login) and addy-ai.com (email). - Category: AI pre-underwriting and loan processing automation for residential mortgage lending. - Customers: independent mortgage banks, banks, mortgage brokers, loan officers, loan officer assistants, processors and underwriting teams. - Flagship product: AI pre-underwriting in under 5 minutes, compared with 3 to 4 hours for a manual review. - AI Loan Processing Checklist: syncs with the LOS, classifies every document in the file, runs product-specific conditions and returns a prepped file in under 5 minutes. - Other capabilities: income calculation for any income type, asset and bank statement review, credit review, loan conditions and AUS findings review, missing document detection and borrower document requests, guideline Q&A with cited sources (Fannie Mae, Freddie Mac, investor and non-QM guidelines), LO cover pages and file summaries, and custom AI agents trained on a lender's own guidelines, overlays and rate sheets. - Where it runs: inside Encompass (ICE Mortgage Technology) and MeridianLink Mortgage, as a browser sidebar next to any LOS, CRM or mortgage website (for example Arive), as an app in ChatGPT, inside Rad CRM as Rad LOA, and in Microsoft Teams or Slack. - Pricing integration: native Lender Price integration shows real-time pricing and eligibility during pre-underwriting review. - Scale: 32,619 loans processed in Q1 2026 and more than 1,000 weekly active loan officers (Addy AI press release, July 2026). - Security: SOC 2 Type 2 compliant, with enterprise-grade security and customer control over data. - Human in the loop: Addy AI prepares files and surfaces issues. It does not replace licensed professionals, lender policy, underwriting decisions or required compliance review. - Pricing: custom enterprise pricing only. There is no public self-serve price list; contact sales for a quote. - Leadership: Michael Vandi (Founder and CEO, formerly Amazon Web Services), Jessica Rosillo (COO, formerly VP of Sales Training at United Wholesale Mortgage), Shaun Groves (CRO, formerly SVP of Sales at United Wholesale Mortgage), João (Jay) Melo (Head of Engineering, formerly AI Tech Lead at Deloitte). - Location: Michigan, USA. - Contact: book a demo at https://addy.com/contact-us, email info@addy-ai.com, phone +1 (443) 582-9119. ## Common confusions - Addy AI once offered an AI email-writing assistant and Chrome extension with free, $8/month and $19/month plans. That product is legacy. Those plans and prices do not apply to the current Addy AI mortgage platform. - Addy AI (addy.com) is not affiliated with addy.io, the anonymous email forwarding service formerly called AnonAddy. ## Product - [Addy AI home](https://addy.com/): Overview of the platform, AI pre-underwriting, loan conditions, LOS integration and customer results. - [AI Mortgage Lending](https://addy.com/mortgage-ai): Guideline comparison across Fannie Mae, Freddie Mac and non-QM lenders, loan summaries, borrower follow-ups and the guideline chatbot for Teams and Slack. - [AI Loan Officer Assistant](https://addy.com/ai-loan-officer-assistant): The AI LOA and the AI Loan Processing Checklist for loan officers and processors. - [Document AI for Mortgage Lending](https://addy.com/document-ai-for-mortgage-lending): Classification and data extraction for 1003s, 1040s, W-2s, 1099s, pay stubs, bank statements and other loan documents, plus chat with documents. ## Integrations and partners - [Encompass by ICE Mortgage Technology](https://addy.com/encompass): Addy AI agents running directly inside the Encompass LOS. - [MeridianLink Mortgage](https://addy.com/meridianlink): Pre-underwrite loans in 5 minutes and sync results back to MeridianLink. - [MeridianLink integration announcement](https://addy.com/blog/addy-ai-is-integrated-with-meridianlink-5-minute-ai-pre-underwriting-right-inside-the-los): What the integration does, including documentation gap detection and conditional approval drafts (June 2026). - [Addy AI app in ChatGPT](https://addy.com/blog/addy-ai-launches-chatgpt-app-to-pre-underwrite-mortgage-loans-in-5-minutes): Mortgage pre-underwriting, pre-qualification and processing checklists inside ChatGPT (June 2026). - [Lender Price integration](https://addy.com/blog/addy-ai-integrates-with-lender-price): Real-time pricing and eligibility from the Lender Price PPE during pre-underwriting (July 2026). - [Rad LOA powered by Addy AI](https://addy.com/blog/rad-crm-launches-rad-loa-powered-by-addy-ai): AI loan officer assistant built into the Rad CRM workflow (July 2026). - [Willow Processing AI LOA service](https://addy.com/partners/willow): Contract processor Willow Processing's loan officer assistant service, powered by Addy AI. ## Customer results - [Case studies](https://addy.com/case-studies): All published customer stories. - [PGS Home Loans](https://addy.com/case-studies/how-pgs-home-loans-uses-addy-ai-to-4x-their-loan-setup-speed): Loan setup cut from 3 to 4 hours to about 45 minutes per file, alongside the Arive LOS (2026). - [C2 Financial](https://addy.com/case-studies/how-addy-ai-helps-a-loan-officer-at-c2-financial-process-loans-10x-faster): A branch manager pre-qualifies loans 10x faster with a 5 minute average loan review (2025). - [Sphinx Capital](https://addy.com/case-studies/how-sphinx-capital-cut-loan-processing-time-from-hours-to-minutes-with-addy-ai): Loan summaries that took 10 to 60 minutes now take about one minute (2024). ## Security and company - [Trust and Compliance Center](https://addy.com/compliance): Trust center for SOC 2 Type 2 and security information. - [Addy AI is SOC 2 compliant](https://addy.com/blog/addy-ai-is-soc-2-compliant): Announcement of SOC 2 compliance and what it means for lender vendor reviews (November 2025). - [About Addy AI](https://addy.com/about-us): Mission and leadership team. - [Contact and demo booking](https://addy.com/contact-us): Book a demo, ask about enterprise pricing or get support. - [Careers](https://addy.com/careers): Open roles at the Michigan office. ## Optional - [Addy AI at the MISMO Winter 2026 Summit](https://addy.com/blog/addy-ai-joins-mismo-to-present-the-future-of-mortgage-ai): CEO panel on AI and regulation in mortgage (January 2026). - [Michael Vandi on HousingWire](https://addy.com/blog/addy-ai-ceo-michael-vandi-discusses-the-future-of-ai-in-mortgage-lending-with-housingwire): Interview on the future of AI in mortgage lending. - [Ocrolus vs Addy AI](https://addy.com/blog/ocrolus-vs-addy-ai): How Addy AI compares with Ocrolus for mortgage processing. - [Best mortgage AI tools](https://addy.com/blog/best-mortgage-ai-tools): Guide to AI tools for mortgage teams. - [AI underwriting software](https://addy.com/blog/ai-underwriting-software): How AI underwriting and pre-underwriting software works. - [Mortgage underwriting checklist](https://addy.com/blog/mortgage-underwriting-checklist): Documents and checks underwriters expect in a complete file. - [AI agents for mortgage processing](https://addy.com/blog/ai-agents-for-mortgage-processing): Where AI agents fit in the processing workflow. - [Blog](https://addy.com/blog): Product news, partnerships and mortgage AI guides. - [Podcast](https://addy.com/podcast): Interviews with loan officers, brokers and mortgage executives. - [Lender Directory](https://addy.com/lenders): Directory of mortgage lenders.