
Friday Harbor
Friday Harbor is an AI Originator Assistant that helps lenders assemble clean, compliant, and fully underwritten loan files—faster. Purpose-built for production teams, Friday Harbor reads borrower documents in real time, anticipates conditions, and guides loan officers through complex scenarios with the expertise of a seasoned underwriter.
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OUR MISSION
Pioneering unparalleled artificial intelligence for modern lending: Powering instant decisions and streamlining the complete origination journey.
CASE STUDY
Challenge: Building a mortgage operation from scratch
In late 2024 Partners Bank made a strategic move to diversify its offerings by launching a mortgage division—the first in the bank’s 85-year history. With limited resources and no room for inefficiency, manual processes like underwriting, document review and guideline interpretation posed a threat to both speed and scalability. The bank needed a solution that could spot risks early, simplify deal structuring and give originators real-time visibility into borrower conditions—all without adding headcount.
Solution: Friday Harbor’s AI-powered Originator Assistant
To meet the demands of a startup operation with enterprise-grade expectations, VP of Mortgage Jim Carroll turned to Friday Harbor. “It’s an LO assistant, an underwriting guide and a compliance checker rolled into one,” says Carroll.
Results: Faster closings, fewer errors and scalable growth
- Home loans closed in as a few as 7 days
- More underwriting capacity without more headcount
- Improved borrower trust and transparency
KEY DIFFERENTIATORS
Finally, AI that’s made to handle the messiness of the real world
Other tools break down on anything but plain vanilla products. Friday Harbor delivers squeaky-clean files every time, for any loan.
- Get applications from intake to clear-to-close days faster
- Catch and fix file issues up front, before they go to underwriting
- Increase volume per FTE across your fulfillment team
Find out what Friday Harbor can do for you.
Request a personalized demo today by visiting fridayharbor.ai.
Highlights
- Gets applications from intake to clear-to-close days faster
- Catches and fixes file issues up front, before they go to underwriting
- Increases volume per FTE across your fulfillment team
- Supports all lender and investor overlays, no coding required
- Integrates with Encompass® from Ice Mortgage Technology using the latest Developer Connect API framework
- Compatible with any LOS or POS via open APIs
Details
Vendor Category
AI Tools and Robotic Process Automation (RPA)
Pricing Model
Usage-Based (Metered) Pricing
Works well with

TrustEngine

TRUE
Overview
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Product comparison

Friday Harbor
TrustEngine
TRUE
Overview
Friday Harbor is an AI Originator Assistant that helps lenders assemble clean, compliant, and fully underwritten loan files—faster. Purpose-built for production teams, Friday Harbor reads borrower documents in real time, anticipates conditions, and guides loan officers through complex scenarios with the expertise of a seasoned underwriter.
Smarter, faster, and more personalized ways to win more loans with less effort.
Pre-Built AI Automation for Mortgage Operations
Highlights
- Gets applications from intake to clear-to-close days faster
- Catches and fixes file issues up front, before they go to underwriting
- Increases volume per FTE across your fulfillment team
- Supports all lender and investor overlays, no coding required
- Integrates with Encompass® from Ice Mortgage Technology using the latest Developer Connect API framework
- Compatible with any LOS or POS via open APIs
Mortgage Coach Highlights:
- Coach Anytime, Anywhere: Our new mobile app lets you identify opportunities among your target customers and create powerful presentations on the go. Send coaching experiences at scale, with just a few taps on the screen.
- Smarter Opportunities: Know exactly who to engage and when, with unmatched context. Identify non-credit opportunities to engage borrowers before they apply elsewhere.
- Homeowner Strategies: Replace confusing fee sheets with dynamic, goal-oriented Homeowner Strategy presentations that can be created in around 60 seconds.
- AI-Powered Assistant: Borrower-facing AI chat feature makes Homeowner Strategies even easier to understand by answering borrower questions 24/7.
Trusted Across the Industry:
- On average, loan officers report a 49% productivity boost due to Mortgage Coach.
- 80% of the Top 25 retail lenders of 2024 were Mortgage Coach customers.
- 97% of users agree Mortgage Coach makes engaging customers easier.
- 95% of users feel Mortgage Coach gives them a competitive edge.
- MOS platform integration into all three stages of loan manufacturing
- Pre-built automation for document indexing, data extraction, income analysis, and post-close review
- Mortgage-trained AI background workers with transparent, audit-safe outputs
- Interoperable design that works across LOS, AUS, and partner engines (including Candor)
- Cloud-delivered platform built for rapid deployment and fast operational ROI
- Proven productivity gains across underwriting and post-close operations





