The AI Operating System for Mortgage Lending
Slash your cost-per-closing with AI automation across the entire loan origination stack.
Use less software, not more.
“We used to have multiple meetings every week just to accomplish what Gizmo now does automatically. There’s nothing else like it.”
Turn cost per closing into a competitive advantage
Gizmo learns your workflows across every layer, then unlocks specialized AI automation you can adopt at your own pace.
Write closeable, high-margin loans in fewer hours
Your LOS wasn't built to be a daily driver.
Gizmo gives your team a modern, faster place to work where pricing and product eligibility update as the loan changes, not reports you have to wait on.
Send minimum conditions for maximum pull-through
Gizmo knows what the file still needs, the fastest way to get it, and what to ask for instead when the borrower can't produce a document.
Documents & tasks go on autopilot with AI agents working 24/7.
Convert opportunities into warm conversations
Gizmo learns your sales funnel, then builds, monitors and maintains high-conversion outbound campaigns.
AI agents turn cold leads into warm inbound transfers.
Intake
and Integrations
Launch hybrid borrower experiences with fully automated online approvals, license-aware routing, and TCPA-compliant handoffs to your team.
Pricing
and Qualifying
Price and qualify against your own guidelines, enforced by the system. Margin rules and product eligibility apply as the loan is built, not in a report the next day.
Disclosures
and Verifications
Generate and send TILA and RESPA disclosures automatically, with timing and delivery logged. Verifications run on their own and income is calculated from documents as they arrive.
Contact Center
and Marketing
Spin up high-touch contact centers for humans or AI agents. Use natural language to build marketing campaigns that route anywhere you want.
Frequently Asked Questions
Gizmo supports retail, independent mortgage banking, and brokers. We don't support wholesale today.
Read Mortgage Tech is Fundamentally BrokenHow does Gizmo fit with Encompass?
How does Gizmo fit with Encompass?
Most lenders start by layering Gizmo on top of Encompass. Your team can prove the workflow while Encompass stays current in the background, then replace Encompass once Gizmo has earned the work.
Is onboarding complicated?
Is onboarding complicated?
No. Implementation is typically lightweight. We handle the technical setup and integration work so your team can get up and running in less than 2 weeks.
Will our team actually use it?
Will our team actually use it?
That's the risk with anything that sits next to the LOS. Two things we do about it. A loan officer can run their whole day in Gizmo, so it isn't one more tab. And we build your workflows during onboarding rather than handing you an empty system.
Do you have SOC 2?
Do you have SOC 2?
Not yet. SOC 2 Type II is in progress. In place today: TLS 1.2 in transit, AES-256 at rest, SSO through Microsoft Entra and SAML, SCIM provisioning, passkeys, login restrictions, domain claiming, admin controls and audit logs. We'll walk your compliance and procurement teams through all of it during diligence. Full detail is on our security page.