The mortgage industry is one of the largest financial markets in the world, yet it remains constrained by outdated infrastructure, fragmented systems, and an operating model built decades ago. Today’s lenders rely on disconnected legacy technology and labor-intensive processes to move a loan from application to close. Human capital is used not to create leverage, but to compensate for broken systems.

The outcome is structural inefficiency. In 2024, the average cost to originate a mortgage exceeds $11,000 per loan, placing pressure on margins, raising consumer costs, and limiting innovation across the industry.

Future was built to change that.

We are rebuilding mortgage infrastructure from the ground up with Alpha, our proprietary operating system, and Vera™, our agentic AI platform. Alpha serves as the intelligent backbone of the organization, while Vera™ orchestrates and executes the tasks traditionally handled by processors, assistants, underwriters, closers, and post-closing teams. Together, they automate up to 90% of the mortgage workflow, transforming a historically manual process into a scalable, software-driven system.

This is not point-solution automation. It is end-to-end orchestration.

By replacing fragmented tools and redundant human workflows with a unified operating system, Future materially reduces time to close, lowers per-loan costs, and unlocks operating leverage that legacy lenders cannot achieve. Higher efficiency translates directly into stronger margins, better pricing for consumers, and a more resilient business model across market cycles.

Equally important is the experience for loan officers—the primary distribution engine of the industry. Loan officers are leaving traditional platforms in record numbers, frustrated by outdated technology, slow processes, and systems that work against them instead of with them. They want modern tools, intelligent automation, and a platform that allows them to focus on relationships and growth rather than paperwork and follow-ups.

Just as consumers once abandoned taxis for Uber, loan officers are gravitating toward platforms that prioritize speed, transparency, and intelligent design. Future is building the infrastructure that enables the next generation of mortgage professionals to operate at a fundamentally higher level of productivity.

We believe the winners in mortgage will not be those who add more people or layer more software on top of broken systems—but those who rebuild the system itself. Future is doing exactly that.