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9 November 2025 M T E C H November 2025 » themortgagepoint.com • Loan Disclosures and Servicing in Spanish • Same Day Mortgage in Spanish • Marketing, advertising, and negoti- ation are available in Spanish across all 50 states Through innovative, inclusive inno- vation, the Language Access Program has emerged as a national model for how fin- tech may increase equal access to credit. VESTA AND SNAPDOCS COLLABORATE ON INTEGRATED DIGITAL CLOSING EXPERIENCE V esta, a next-generation mort- gage loan origination system (LOS), and Snapdocs' eClosing platform have recently integrated. This integration allows mutual customers to handle the entire closing process direct- ly within the Vesta LOS, standardizing workflows, cutting down on manual tasks, and speeding closings from origi- nation to final signature. "Our partnership with Snapdocs reinforces Vesta's commitment to equip- ping lenders with a flexible, API-driven platform that streamlines every stage of the loan origination process," said Mike Yu, Co-Founder and CEO of Vesta. "By integrating Snapdocs' digital closing infrastructure directly into Vesta, we're enabling lenders to drive greater effi- ciency and reduce manual processes." Lenders can initiate and oversee the complete closing process through Vesta with this integration, including sending and receiving documents, getting bor- rower signatures, handling redraws, and monitoring real-time progress reports. When loan terms change, the integra- tion also allows redraws, preserving ac- curacy without requiring further work. Borrowers gain from a quicker, clearer process in the interim. "Closing a mortgage is a complex, fragmented process that can create risk, inefficiency, and a poor borrower experience," said Michael Sachdev, CEO of Snapdocs. "By integrating Vesta with our digital closing infrastructure—in- cluding advanced eClose capabilities, CD Balancing, automated Funding and Post- Close Quality Control, and an eVault—we eliminate that friction. This partnership underscores our commitment to helping lenders build a modern, connected technology stack, and together with Vesta, we're setting a new standard for how closings should operate." By "inverting control" and assisting users with the loan process, Vesta's cut- ting-edge LOS lowers the operating ex- penses for lenders. Vesta helps decrease human labor through data-driven tasks, validations, and native automations, resulting in quicker closing times, better loan quality, and more efficiency. ATTOM ANNOUNCES TRANSPARENT OWNER T he debut of Transparent Owner, a new data product from ATTOM that pinpoints the real share of people who own residential real estate in the United States, has been announced. To identify and link beneficial own- ership across assets and regions, Trans- parent Owner uses patented identity resolution techniques that integrate ma- chine learning, public record data, and sophisticated linking logic. The dataset offers a more lucid and actionable pic- ture of who truly possesses a property by allocating standardized Owner IDs and addressing discrepancies in names' appearance in public filings. "Property ownership has gotten more complex, and public records do not always tell the full story," said Todd Teta, Chief Product and Technology Officer at ATTOM. "Transparent Owner helps our clients cut through that com- plexity and see the real picture, whether "We've already seen what's possible when we invest in Spanish-language technology: our Latino salesforce has tripled, our funded loan volume in Latino communities has doubled as a percentage of the company's total book of business, and we've far exceeded expectations with 20,000+ digital applications in Spanish." —Victor Ciardelli, CEO, Rate