Depending on the list of functionalities that you have, or the areas where you have to explore things and analyze, it will automatically create [AI] agents, micro [AI] agents, fulfill the need, and then, when it comes to actual borrower engagement, provide everything to the front-end agent.
By managing the secure communication layer—identity, permissions, monitoring and auditability—we give lenders the freedom to innovate with AI on top of Empower while maintaining full control and compliance. This is the foundation lenders have been missing.
Figure Technology Solutions reported that its loan origination system produced $2.705 billion in volume during the fourth quarter of 2025, up 131% from the same period a year earlier, according to preliminary operating data released Monday. Compared to the prior quarter, the volume increased 9.5%. The volume was driven by the company's consumer loan marketplace, which includes home equity lines of credit (HELOCs), debt-service coverage ratio (DSCR) loans and personal loans, as well as third-party loans traded on Figure Connect.
PartnerOne's investment philosophy and operational excellence will enable us to evolve our platform, deepen our customer relationships, and continue delivering exceptional solutions across the mortgage lifecycle. Mortgage Cadence's platform, which includes its Enterprise and Essentials products, is designed to streamline loan originations and lower operational costs. The company said that joining PartnerOne will support the development of new capabilities, integrations and automation tools for financial institutions, credit unions and independent mortgage banks.
Overlays, or extra rules layered on top of standard guidelines, help lenders manage risk and ensure loans meet investor expectations. Those selling into the secondary market can use overlays to meet multiple investor standards, while portfolio lenders can align the technology with in-house credit policies. Our new underwriting overlays feature gives lenders the ability to instantly encode their own judgment and policies into Friday Harbor, said Theo Ellis, CEO and co-founder of Friday Harbor.
Sierra Pacific's team originated about $1 billion over the past 12 months, with a portfolio weighted toward conventional loans (63%) and purchase transactions (61.5%), according to mortgage tech platform Modex. By comparison, UHM produced $5.5 billion during the same period, also concentrated in conventional (61.3%) and purchase loans (63.2%). The deal also expands UHM's geographic reach. Sierra Pacific brings stronger footprints in California, Kansas and Tennessee, while UHM's core markets remain in Ohio, Michigan, Texas and Florida.
"This will be our chance to integrate with the ARIVE network. It's another path for them to come to us," said Dan Sogorka, pointing to the significance of this connection in expanding Rocket's accessibility to brokers and their clients.
