TRUE, the leader in AI-powered mortgage automation, today announced the launch of its Post-Close & Audit Automation solution — the third pre-built AI service within its flagship Mortgage Operations Service (MOS) platform. Joining TRUE’s Loan Setup & Data Quality and Income Analysis solutions, the new release completes the company’s end-to-end automation framework for loan manufacturing.

Built on TRUE’s continuous, cloud-native AI architecture, the Post-Close & Audit solution eliminates one of the mortgage industry’s most time-sensitive and labor-intensive processes: post-close processing from title attorney through audited loan file ready for shipment. Lenders can now eliminate manually indexing large PDF loan files, eliminate stare and compare, and automatically close the hundreds of conditions during the audit process.

“Post-close review has remained one of the last pockets of manual, fragmented work in the mortgage lifecycle,” said Steve Butler, CEO of TRUE. “Extending MOS into Post-Close & Audit Automation brings lenders the consistency, accuracy, and continuous operation they’ve been asking for and does it through pre-built automation that delivers value on day one with our Background AI Workers ensuring lenders realize ROI immediately through reduced manual work and lower compliance exposure.”

With this release, TRUE brings the same level of AI-driven automation seen in its loan setup and income solutions to the industry’s most operationally burdensome stage. The system expertly splits large single-PDF closing packages from settlement agents into fully indexed, correctly named documents that are automatically placed into eFolders. It validates signatures and dates, detects missing or incomplete documents, manages version control, and intelligently generates and clears post-closing and audit conditions.

TRUE’s architecture combines multi-OCR engines, LLM-based document intelligence, and a highly scalable event-based integration to process loan files that exceed 1,000 pages while achieving accuracy equal to or surpassing human review. As a result, lenders dramatically reduce reliance on offshore BPO teams and close file gaps automatically, reducing compliance risk and accelerating loan sale timelines. This directly aligns with MOS’s value proposition of eliminating manual document handling, offshore data prep, and rework across the manufacturing lifecycle.

Across its lender base, TRUE’s MOS platform has consistently driven:

• Up to 80% reduction in manual document handling
• Cycle time reductions of up to two days per loan
• Savings up to $400 per loan file
• 4× productivity gains in post close and QC

By adding Post-Close & Audit Automation to MOS, TRUE now automates the entire loan lifecycle on a single data layer. Loan Setup & Data Quality delivers fast, clean files that move through LOS and AUS without rework. Income Analysis provides accurate, auditable borrower data for underwriting decisions through TRUE’s industry-first machine-only income qualification (developed in partnership with Candor). Post-Close & Audit Automation now completes the cycle, providing closed-loan accuracy, document verification, compliance consistency, and measurable cost savings. Together, these three interoperable services transform loan operations from manual review queues to continuous, background-level automation, replacing the old world of disconnected point tools with a unified platform built for fast adoption.

The new solution is now available to all TRUE MOS customers.

About TRUE

TRUE is the AI-powered automation platform built to accelerate the mortgage process. From document classification to underwriting decisioning, TRUE delivers real-time results using background AI that doesn’t require human review or offshore processing. Its Mortgage Operations Service (MOS) platform reduces time to pre-approval, lowers operational costs, and improves loan quality at every stage. Learn more at www.true.ai.

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Lenders can now eliminate manually indexing large PDF loan files, eliminate stare and compare, and automatically close the hundreds of conditions during the audit process.