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7 July 2025 July 2025 » themortgagepoint.com M T E C H the information loan officers require to evaluate refinance prospects. This fea- tures out-of-the-box integration of auto- mated valuation models (AVMs), county records, and real pricing components, such as branch and originator margins and concessions. With this information at hand, lenders may provide custom- ized refinance offers without having to deal with the hassle and expense of maintaining market-tracking software or external interfaces. "Our approach at Uplist is all about giving originators more efficiency and accuracy, and we are thrilled to partner with Optimal Blue to make these bene- fits accessible to more originators," said Jeff Bell, President of Uplist. "Rather than spending up to 30 minutes manu- ally evaluating each loan and creating presentations, originators can now rely on Capture for Originators to identify refinance opportunities they might oth- erwise miss – and deliver them to clients with minimal effort." DARK MATTER TECHNOLOGIES INCLUDES 'SIDE- BY-SIDE' RESULTS COMPARISON & AUTOMATED REVIEWS TO DUAL AUS FEATURE T he dual automated underwriting system (AUS) submission capa- bility in the Empower loan origi- nation system (LOS) has been improved, according to Dark Matter Technologies (Dark Matter). The Empower LOS will now provide the GSEs' respective AUS findings side by side with rules-based loan recommendations driven by the AIVA Rules engine when users submit loan data to the AUS for both Freddie Mac and Fannie Mae at the same time. Loan originators can compare the GSE results to determine which choice is best for each borrower by using the side-by-side presentation of AUS findings. This may reveal ways to reduce costs or expedite the loan application process. "Dark Matter's approach to innova- tion is tightly focused on helping lenders curb the runaway time and expense of loan origination while delivering outstanding borrower experiences," said Sean Dugan, CEO at Dark Matter. "Our enhanced dual AUS functionality within the Empower LOS gives originators time- ly, actionable insights to help borrowers secure the best loan—all while support- ing faster, more efficient production." Further, Dark Matter worked with Freddie Mac on this project. "By supporting dual AUS submis- sion, Dark Matter is helping lenders recommend the best-fit loan for each borrower early in the process," said Christina Randolph, VP of Distribution at Freddie Mac. This capability helps streamline decision-making and reduce costs while ultimately delivering a smoother, faster experience for borrow- ers—key outcomes we're committed to supporting." DARK MATTER TECHNOLOGIES UNVEILS ECLOSING INTEGRATION D ark Matter Technologies confirmed that the Wolters Kluwer eOriginal ClosingCen- ter-powered eClosing functionalities are now fully integrated into the NOVA loan origination system (LOS) platform. eClose, which was created to stream- line the mortgage closing process, will enable secondary market activity while assisting lenders in cutting down on time-to-close, saving money, and im- proving the borrower experience. Users can easily complete the entire range of eClosing choices, including hybrid eClosings, digital "Remote Online Notarization" (RON) closings, and In-Person Electronic Notarization (IPEN) closings, thanks to the eClose capabilities. This enables lenders to provide borrowers with flexible closing options and gradually modify their eClosing strategy. NOVA clients can safely eSign and generate eNotes using the eOriginal ClosingCenter solution. They can then deposit loan papers into the eOriginal eAsset Management system for sec- ondary market operations. This makes it possible to sell and transfer digital lending assets in a compliant manner. Throughout the course of a digital loan, eSigned papers in the eVault remain legally compliant and have the highest degree of enforceability. This solution expedites loan cycles, ensures compli- ance, streamlines digital lending, and reduces paperwork. "With this capability, lenders can deliver an entirely new level of con- venience and efficiency," said Sean Dugan, CEO of Dark Matter Technol- ogies. "This saves time and money for lenders while allowing them to engage in secondary market activities and gives homebuyers the convenience of faster closings at the time and place of their choosing." In 2024, Dark Matter Technologies expanded its product portfolio to include the NOVA LOS in addition to the Empow- er LOS as part of a dual-product strategy to offer consultancy services and creative solutions to small and midsize banks, credit unions, and IMBs. Retail, whole- sale, and correspondent lending, together with a variety of mortgage products, are all supported by the NOVA LOS, which offers a dependable, affordable solution with little administrative work. "By integrating flexible, modern eClosing options to NOVA LOS, Dark Matter is putting lenders on a fast track to a fully digital future," said Shreya Shankar, VP of Partnerships at Wolters Kluwer Financial & Corporate Com- pliance. "We are thrilled to collaborate with Dark Matter to help NOVA LOS users enhance borrower satisfaction, increase revenue, streamline operational efficiency and unlock the potential of the secondary market through seamless eClosings."