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5 May 2025 May 2025 » M T E C H UWM AND GOOGLE CLOUD PARTNER ON AI INITIATIVE G oogle Cloud and United Whole- sale Mortgage (UWM) have announced an agreement in which the two will help modernize the mortgage lending industry through the use of artifical intelloigence (AI). The collaboration will leverage Google Cloud's advanced AI and data analytics capabilities, alongside UWM's expertise in innovative lending technical solutions to create a faster, more intuitive and streamlined process. Through the agreement, UWM will integrate Google Cloud AI and machine learning (ML) tools into its lending plat- form, enhancing underwriting automa- tion, streamlining document processing and improving client support with AI-driven chat experiences. UWM is one of the first to leverage Google's Gemini Flash 1.5 model to enhance underwriting automation. The partnership will also explore the use of Google Cloud infrastructure to improve scalability and security, expedit- ing the mortgage experience for 50,000 mortgage brokers and their borrowers. "This agreement signals two industry leaders coming together to tackle the mortgage industry's biggest challenges and deliver innovative solutions," said Thomas Kurian, CEO of Google Cloud. "United Wholesale Mortgage is at the bleeding edge of generative AI in the mortgage space, and together we are reimagining the home financing journey, making it more efficient and faster for mortgage brokers and homebuyers." UWM will also collaborate with Google Cloud to enhance data-driven insights, enabling more personalized loan recommendations and more intelligent tools to instantly identify the right mort- gage for a borrower. "We are incredibly proud to enter into this transformative partnership with Google Cloud as it is a major step forward in our mission to make the mortgage process faster, easier and cheaper," said Mat Ishbia, President and CEO of UWM. "By combining our mortgage expertise with Google Cloud's generative AI and cloud capabilities, we will set a new stan- dard for the industry, providing clients with a seamless and intelligent lending experience." CARRINGTON LAUNCHES DIGITAL LANGUAGE TOOL C arrington Mortgage Services LLC has teamed up with Talk'uments, a provider of interactive multilin- gual loan technology for the mortgage in- dustry, on a new digital language platform that helps bridge the communication gap between borrowers and lenders by displaying essential mortgage disclosures, documents and borrower communica- tions in the customer's language of choice. This includes the five most common non-English languages spoken in the United States: Spanish, Chinese, Korean, Vietnamese, and Tagalog—with more to come. In addition to improved borrow- er understanding and engagement, Talk'uments will also lead to more seamless interactions for Carrington's retail lending, for which the technology platform was launched in April 2025. The digital tool will be beneficial to increase loan production for CMS' brokers as well, and is scheduled to launch for CMS wholesale lending in May 2025. "For many borrowers, the mortgage business is confusing enough," said Samuel Bjelac, SVP, Third-Party Origi- nation for Carrington Mortgage Services. "Imagine how hard it is for someone to understand closing costs or loan estimates when English is their second language. This is a great tool that helps explain loan terms, costs and benefits in ways borrowers can easily understand." Seamlessly integrated into Car- rington's loan origination system, Talk'uments provides borrowers with a personalized dashboard featuring translated application and closing docu- ments, budgeting tools, and real-time fee comparisons. The platform also includes videos, infographics, FAQs, and charts that explain every stage of the mortgage process—from basic concepts like interest rates and closing costs to more advanced topics like credit management and how rates are determined. Borrowers can toggle between languages at any time, accessing both audio and visual content in the language they're most comfortable with. "People who aren't in the mortgage business might not understand some of the processes," said Jeremy Drang, SVP, Retail Lending for Carrington. "Having Talk'uments explain a lot of the general background information for customers who want to understand exactly what it is they're signing, and what they're getting into, is a big help. We are excited to offer Talk'uments to our customers." DARK MATTER UNVEILS NEW LOS D ark Matter Technologies has launched a new Developer Portal, marking a significant evo- lution for the Empower loan origination system (LOS), moving from API access to a fully open API ecosystem. By providing external developers with self-service ac- cess to documentation, code samples, and integration guides, the portal removes barriers to innovation, and enables clients and partners to build on Empower with greater speed and independence. "By making our APIs and developer resources more accessible, we're unlock- ing new possibilities for our clients and partners to solve their unique business challenges, differentiate their offerings,