Dark Matter Technologies
Dark Matter Technologies is leading the mortgage industry with innovative origination technology and AI-driven automation streamlining operations and boosting efficiency. Our solutions help lenders reduce costs, scale, and gain a competitive edge.
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Dark Matter is a leader in the mortgage industry, offering advanced LOS and AI-driven automation solutions that streamline processes, scale effectively, and reduce overhead. Our powerful process automation and predictive analytics deliver unmatched operational efficiency. With innovative solutions tailored for lenders, Dark Matter has become the essential partner for gaining a competitive edge and achieving long-term success in a dynamic market.
Core Services:
The Empower LOS
More than a LOS. Empower is a scalable platform combining a robust Loan Origination System, borrower and broker portals, and exception-based automation powered by a dynamic orchestration engine with embedded automation and AI. Built for lenders managing complex workflows across retail, consumer direct, wholesale, and correspondent channels.
The Nova LOS
A fast, flexible LOS designed for credit unions, community banks and growth-focused lenders. Nova simplifies loan manufacturing with intuitive configuration, faster deployments, and lower operational lift, without sacrificing power.
AIVA Automation Products
AIVA is an automation and AI-driven product, purpose-built for mortgage operations. AIVA powers:
Intelligent Document Automation for faster file intake
Income & Asset Review to streamline underwriting
QC & Post-Close Automation for audit-ready loan delivery
Servicing Platform
A complete loan servicing system that supports interim and full servicing. Designed to manage performing and non-performing loans, loss mitigation, investor reporting, and borrower engagement—all within a flexible, modern infrastructure.
Exchange Service Network
Connect to a trusted network of 16,000+ mortgage lenders, vendors, and servicers. Our exchange delivers seamless data integrations, document flow, and communication across the mortgage ecosystem.
Unique Offerings:
Dual LOS Strategy
Support the full spectrum of lending operations with both Empower and Nova, tailored to meet your organization's scale, complexity, and growth stage.
Unified Rules Engine
A single source of truth across the platform to power dual AUS, streamline compliance, and ensure consistent decisioning from start to close.
Open API Ecosystem
Proven APIs and developer-friendly architecture for faster integrations, reduced dev cycles, and better interoperability with your tech stack.
Enterprise Security & Scale
Built to grow with you. SOC 2-certified infrastructure, modern encryption protocols, and high-availability architecture ensure your business runs securely at enterprise scale
Highlights
Platform Capabilities
Empower LOS
Scalable, AI-powered LOS with broker/borrower portals and automation. Built for complex retail, direct, wholesale, and correspondent workflows.Nova LOS
Agile, low-lift LOS for credit unions and growth lenders. Fast to deploy, easy to configure—no power sacrificed.AIVA Automation
AI-driven tools for mortgage ops:
Document intake
Income/asset review
QC & post-close automationServicing Platform
Full/interim servicing for performing & non-performing loans, loss mitigation, and investor reporting.Exchange Network
Connects 16,000+ lenders, vendors, and servicers for seamless data and doc flow.
Details
Vendor Category
Loan Origination Software (LOS)
Pricing Model
Feature-Based Pricing
Works well with
Overview
Get More Information
Interested in learning how this solution can transform your mortgage business? Request more details to discover how it can streamline operations, improve efficiency, and integrate seamlessly with your existing workflow.
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Product comparison
Dark Matter Technologies
Wilqo
Vesta
Overview
Dark Matter Technologies is leading the mortgage industry with innovative origination technology and AI-driven automation streamlining operations and boosting efficiency. Our solutions help lenders reduce costs, scale, and gain a competitive edge.
Where POS, LOS, AI, and BI converge – one intelligent platform to power your lending
Vesta is the next-generation, task-based LOS that drives automation and efficiency for lenders
Highlights
Platform Capabilities
Empower LOS
Scalable, AI-powered LOS with broker/borrower portals and automation. Built for complex retail, direct, wholesale, and correspondent workflows.Nova LOS
Agile, low-lift LOS for credit unions and growth lenders. Fast to deploy, easy to configure—no power sacrificed.AIVA Automation
AI-driven tools for mortgage ops:
Document intake
Income/asset review
QC & post-close automationServicing Platform
Full/interim servicing for performing & non-performing loans, loss mitigation, and investor reporting.Exchange Network
Connects 16,000+ lenders, vendors, and servicers for seamless data and doc flow.
- POS and LOS functionality in one platform: No bolted-on solutions requiring uploading and downloading of information; borrower is active in the same space as the rest of the organization; reduced admin.
- Embedded Business Intelligence: proactively address small issues and identify the next areas of improvement without having to leave the platform!
- Dynamic, modern UX: easy on the eyes for your borrowers and internal team members! Our workflows only show users what's needed based on their role, less noise results in faster decision making.
- Parallel Activity Workflows: Multiple people can work on different parts of the loan at the same time via activities! When work becomes available, the next resource who is available can start!
- Configurable Workflows: Stay with traditional roles or move to an efficient activity-based queue. No need for new tech to do both.
- Proactive Compliance: Integrated disclosures and compliance timers allow you to stay on track without manual oversight
- Speed: did we mention our software is LIGHTNING FAST!? Instantaneous screen loads... get your head into the loan in seconds... enjoy the ride!
- Built-In Automation – Vesta includes native no-code automation tools that allow lenders to streamline processes like running credit, advancing loan stages, and fulfilling conditions — without needing any external RPA tools or engineering resources.
- Task-Based Approach – When work can’t be automated, Vesta intelligently routes tasks to the right users via a prioritized inbox, boosting productivity and minimizing human error.
- No-Code Configuration – All aspects of Vesta can be configured without writing code, allowing lenders to adapt workflows independently and efficiently.
- Powerful, Open API – A complete, well-documented REST API enables seamless integration with any mortgage tech stack, empowering lenders to customize their systems and drive innovation without vendor lock-in.
Dark Matter Technologies
Customer reviews
Dark Matter Technologies
FINOFR
Strategic Vantage Marketing & PR
Reviews
Charlie Nguyen
June 13, 2025 at 7:50:35 AM
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Charlie Nguyen
June 13, 2025 at 7:27:13 AM
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