MQube has enhanced its Origo mortgage origination platform with a new digital underwriting feature that uses artificial intelligence (AI) to replicate key elements of human underwriting.
The new tool assesses whether applicants meet credit policy requirements and generates written rationales and case recommendations for brokers – a process that would typically take a human underwriter around 25 minutes per case.
By automating this step, MQube said it aims to help lenders achieve major time savings and reduce workloads across underwriting teams.
Stuart Cheetham, CEO of MQube, said: “With 65,900 net mortgage approvals approved for house purchase in September in the UK and 25 minutes per day saved per case the time this could save in-house underwriting teams is demonstrably significant creating huge cost and operational efficiencies for lenders as well as importantly a better customer and broker experience.
“Other operational efficiencies include better auditability, increased productivity and an improved risk profile.
“This is undeniably a ‘groundbreaking’ development in mortgage technology as we enter 2026, a time when mortgage lenders revisit their business strategies. The adoption of new technologies will dominant this industry in 2026 as lenders look to streamline their business models.”
The Origo platform, used by several of the UK’s largest building societies and mortgage lenders, already automates key data checks such as identity verification and bank statement analysis through big data and large language models.
The addition of AI-driven underwriting further enhances its speed and decisioning capabilities.
Cheetham added: “At MQube we continue to pioneer technologies that enhance operational efficiencies and streamline the mortgage process for lending partners.
“As well as our market leading Origo platform, MQube offers a wide range of AI driven mortgage technologies including, Criteria Genius our sophisticated AI chatbot, which communicates like a human being to provide instant answers to broker questions relating to a lenders policy.
“A more recent development MQube is composing, in a new revolutionary move for this industry, is an architecture that will allow mortgage lenders to trade their mortgage debt on-chain unlocking a new level of opportunity for lenders in the UK. We look forward to using our market-leading expertise in AI to bring even more technological advancements to this industry in 2026.”
