AIi1 Technologies 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.
- 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.”
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— 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.”
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