AI Pre-Underwriting
Sail through mortgage origination
Friday Harbor’s AI Underwriting is designed to be used upfront, helping originators put together clean, compliant, and complete loan files from the start.
Trusted by the nation’s leading lenders
Friday Harbor will allow us the ability to scale our existing operational staff at a rate of 2-3x based on their current operational productivity, significantly reducing the need for additional support during high-volume periods. This efficiency will alleviate the strain on our teams while allowing us to scale seamlessly during peak times.
Rob Jewett
COO, NewFed Mortgage Corp.
Truly groundbreaking software … Friday Harbor addresses key pain points that keep mortgage lenders awake at night, offering a solution that can transform industry practice. I couldn’t be more impressed, and I will gladly refer the Friday Harbor software to my colleagues in the industry
Jim Carroll
VP of Mortgage Lending, Partners Bank
Our underwriters are very strong. This was never about fixing underwriting. It was about removing unnecessary manual work so they could focus on the judgment calls that matter.
Jake Rowoldt
VP of Information Services, Waterstone Mortgage
Friday Harbor is one of the first systems we’ve put in place that both our sales and operations teams genuinely like using. It brings structure to our files, helps catch things earlier, and creates a cleaner, smoother process from the beginning. I’ve really enjoyed working with the team and strongly endorse the impact they’ve had.
Chuck Iverson
CEO, Mason-McDuffie Mortgage
Friday Harbor has become an indispensable part of our workflow. It helps us solve potential problems upfront and win the confidence of our borrowers. I think of it as our loan officers’ secret weapon to win more business!
Kim Curtis
CEO, Tidewater Home Funding
Solutions
End-to-end AI underwriting from the start
Empower your originators with the industry’s leading AI pre-underwriting, so they can submit one-touch underwrite files.
Operations productivity
Receiving cleaner files boosts processor and underwriter productivity 2-3x.
Clear-to-close faster
Give your borrowers certainty one to five days sooner.
Free originators to sell more
Increase app-to-close pull-through by 5-10% and free LOs to spend more time selling.
Use Cases
Perfect loan files, every time
The best borrower experience begins by immediately identifying issues, flagging missing documentation, and asking the right questions.
Know What’s Missing
Needs list
Borrower-specific, dynamic list of missing documents
Real-Time Underwriting
Conditions
Underwriter-quality conditions generated in real-time with citations to guidelines & overlays
Clear to Close, Faster
Income & Asset Sandbox
Structure the loan files with ease to get the borrower clear-to-close faster
AI-Native Difference
The mortgage industry’s leading AI-native solution
Friday Harbor isn’t AI bolted onto old legacy machinery or a toy product not ready for prime time.
We were launched from the Allen Institute for AI Incubator in 2024 and have scaled to support 25+ national lenders, including 3 of the top 15 independent mortgage banks.
Complexity
Built for the messiness of the real world
Other tools break down on anything other than vanilla files. Friday Harbor’s AI-native product is built for the messiness of the real world. Throw us your edge cases. We don’t need clean, labeled files or simple scenarios to do our job.
Confidence
Confidence in output
Your team relies on the tools you provide. Friday Harbor has processed tens of thousands of production loans, and even offers representation & warranty relief for certain income sources via our approved Technology Service Provider integration with Fannie Mae.
Consistency
Consistent quality
Mortgage professionals know that consistency is as important as efficiency. Only Friday Harbor offers lenders the capability of applying guidelines and overlays consistently across widely-distributed teams and branches.
Security
Enterprise-grade architecture
Our platform is built to the highest standards of enterprise information security requirements. SOC 2 Type II certification, support for enterprise SSO and RBAC, and third-party law firm reviewed AI governance that leads the industry.
Build better loan files, faster
Ready to learn more?
Speak with us to learn if Friday Harbor is a good fit for your organization.
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