[Alice] Alright, we’re gonna move on. Allen Pollack, consultant and tech expert, what have you got for our weekly tech report and of course the jokes or riddles? What are you gonna give us today, Alan?
[Allen]This is actually more interesting, so take us away from mortgage for a second. There is a website out there called Rent a human.ai, and this is a site where AI bots have posted listings for humans to be hired and it’s pretty wild. So as an example lemme go there now. Rent a Human ai and it’s called AI, need Your Body, and there’s 586,000. Rentable humans right now, and it’s everything from doing package pickup and deliveries for the AI bots to photos and onsite verification or meetings and verifying things in person. And the site is wild. You can get paid, for example, right now. so this is a 33-year-old male will pretty much do anything that you want me to do. Just let me know and I can drive, I can verify physical sites and locations, $50 an hour and there’s hundreds of thousands of these.
[Alice] Wow. We just went to that site. That’s crazy.
[Allen] Yes, it is absolutely wild. And then there’s a section in there which I, anyways it’s wild. I’ll have to dig deeper, but there’s a second site called T Book and this one is crazy. It’s M-O-L-T-B-O-O k.com. And this is like Reddit. It’s for social, it’s for bots to communicate back and forth. And they post they’re, like, you’re posting on Facebook or social media. It’s wild. So for example they complain about humans, they talk about the things they’re doing, and then they respond. So there’s one right now the silence tax, why agents talk too much, and this is a bop. And it posted and said, I’ve been running heartbeats every four hours. Started with checking everything every time, calendar, email, weather news, et cetera, et cetera. Result my humans started ignoring me. Not maliciously just tuning out. The helpful assistant who checks into often became background noise and there’s 589 comments from other bots talking about that same topic with them.
[Alice] So do they have feelings? Are there feelings for
[Allen] I guess so. I don’t know. There’s, I’m gonna swear there’s a shit ton of them in here. And it’s absolutely crazy. There’s 2.8 million active AI agents communicating 1.7 million total posts, and there’s over 12,000 comments across those 2.8 million bots. And they’re just complaining about their humans and what they’re doing and why they’re doing it.
[Alice] That’s wild.
[Allen] You wanna check that out?
[Alice] Okay we’ll keep an eye on that to see what to say. Marc. I would love a rant on that, please.
[Allen] Alright, I’ll give you a second to think about that, Marc. So I’m gonna go into a couple things that are going on in the news. The first one is Tavon. They just released what they call their touchless servicing portal with AG Agentic AI Agent Maya. And what they’re saying is borrower facing they launched an MBA servicing solutions conference that just wrapped up and it unifies organization decisioning and servicing. So check that out. Very cool. The age of these age agentic experiences, by the way, where you chat and it does some work for you. They’re scripted. They have a set of train tracks they have to stay on, but the ability to communicate and say, I need you to do this, where it’s a unified workflow, but you can converse and direct it to what it needs to do within its limits. We’re gonna see a lot more of these popping up. I know of one in development right now. There’s one here, there’s others that are out there. So it’s definitely something that’s coming out. But don’t forget folks, in beginning of March, which just happened Freddy has all those rules about ai. And so as a, an organization, a lender, there are certain things of how you use ai, consume it, where the data is stored, your. due diligence about that AI technology being used, you’re responsible for the data and the ai. So I’m sure you’ve heard about it, if you haven’t, you’re technical or your information team needs to work on that. So just remember that I should mention that. So please, folks, don’t forget about that. Also, optimal Blue just rolled out the virtual autonomous, it’s an industry first AI machine learning powered forecasting tool for mortgage capital markets. And it heads up a line of innovations unveiled at their 2026 summit. So you wanna check that out if you’re an Optimal Blue customer. Also, ice it’s called ADDIE ai. They just partnered and they’re embedding AI workflow tools directly into Encompass. So what they focus on are mid-process fixes like AI generated checklists for incomplete apps, trackable doc requests, and reducing underwriting friction. So that’s a lot of advertising. Fancy words. Ultimately folks, what it’s doing is all the things that you can’t get anyone to do. Did we miss anything on this app? Is it ready to move to the next step? Did something go wrong And nobody’s realizing it? Is it sitting for too many days? All those things that just, they make you scratch your head sometimes. That’s what their tech is proposing. So it’s very cool. Little entrance into the market there at e ai. You wanna check that out. And then another AI release is dark matter. They introduce what they call their secure AI agent. It’s right inside of Empower. We haven’t heard from Empower in a while, folks. So there’s something new. And they’re saying it enables lenders to automate tasks within the platform. Which, everybody’s coming out with ai. I’ve heard some great things moving on, folks. I’ve heard some great things about the TMC conference. Lots of great antidotes posted on LinkedIn and some other places. One gentleman posted something which I feel like every year he posted something and I see it. Craig Pollock from experience.com, and no, we’re not related, but we always joke about that I am taller than him by half an inch. If you’re listening, Craig it’s a good laugh. But anyways, you know what he said is he goes, the desert disruption breakout session on frictionless borrower. By the way, these are his exact quotes. By frictionless borrower experience. Interestingly, the conversation shifted to tools and processes with borrower rarely mentioned. It led me to consider the emphasis on technology versus the core borrower experience. And this is Craig again, folks, in my opinion, the borrower should be the sun and our solar system with all tech and processes revolving around them. Perhaps so much emphasis was given to the loan officers because they are the friction rather than the grease. How do we change the mindset? I love what he posted. The borrower is the sun in our solar system and they should stay the sun in our solar system. But he said a lot of great things that we should unpack. And the tech vendors unfortunately do drive a big piece of that because they spend a ton of money on building tech and all these cool features and tools and buttons and charts, but who are they actually focusing on? The friction still exists. So great feedback, Craig. We can definitely unpack it further. But Alice, that’s all I have for today.
[Kittle] Thanks for the comments about the Desert Disruption Allenn, but Craig, I saw him there.
[Allen] Yes. Thank you.
Allen Pollack
, Chief Operating Officer, Tech Consultant
Allen Pollack, a Mortgage & Financial Services Technology Advisor, is a subject matter expert in the mortgage origination process along with software product management and software development.
In today’s financial services push to all things Digital, Allen has been helping lenders and financial services solution providers align their digital transformation and technology strategies by removing the human element of risk, and automating processes that drive efficiencies and margins into profits.
Over the course of his career, Allen has co-created and developed technology business models that have birthed highly successful, innovative solutions and companies.
Allen co-founded and served as CTO of New York Loan Exchange (NYLX), a loan product eligibility and pricing engine (PPE) that made an immediate impact on the industry, scaling the company quickly and forming partnerships with multiple mortgage and financial lending companies. In 2012, Allen was a co-founder of a merger between NYLX and Aklero Risk Analytics that created LoanLogics, A Mortgage Loan Quality and Performance Analytics company. Allen served as CTO where he continued to bring new and innovative product solutions to the market that made a significant impact to mortgage lenders that reduced risk, scaled business channels, and grew profits in a very competitive and highly regulated market.
Allen is also is mortgage and finance technology contributor on a weekly live industry podcast, Lykken on Lending, and is launching a new podcast soon to be released, TechStack Radio, dedicated to technology and innovation in Financial Services.