In a breakthrough moment for mortgage technology, True and Candor have joined forces to launch the industry’s first instant income verification solution—a partnership that promises to redefine how lenders qualify borrowers. In this episode of Lykken on Lending, host David Lykken sits down with Steve Butler, CEO of True, and Ryan Edmonds, CEO of Candor, to discuss how their combined strengths—trusted data and trusted decisioning—are delivering AI-powered, insured income verification in under 60 seconds. Drawing parallels to the iconic pairing of chocolate and peanut butter, this collaboration is being hailed as the “Reese’s moment” for mortgage innovation, empowering loan officers, streamlining underwriting, and giving lenders unprecedented confidence in every decision.
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As CEO of TRUE, Steve leads the company’s growth strategy and enterprise expansion across the mortgage and financial services industry. With a deep background in scaling B2B SaaS and fintech platforms, Steve brings a relentless focus on execution, operational excellence, and customer success. From sales, to marketing, partnerships, business development, and customer success, Steve’s tech-seller approach and customer centric vision are critical to TRUE’s continued expansion into the lending industry.
A true believer in AI, Steve has decades of experience running revenue organizations and building valuable tech companies. Prior to joining TRUE, Steve was CEO of GoDocs, a leader in commercial lending automation, founder of AI Foundry, and led revenue organizations at a variety of successful technology firms. Steve has a BSEE from the University of Rhode Island.
Ryan Edmonds is the CEO of Candor Technology, where he leads the company’s mission to transform mortgage lending through intelligent automation and expert decisioning technology at scale. Prior to Candor, Ryan spent 15 years investment banking at Houlihan Lokey, advising entrepreneurs and executives across a wide range of industries and business models. Ryan’s passion for innovation and deep appreciation for entrepreneurial vision continue to shape his leadership style at Candor, where he aligns strategic growth and key partnerships with internal innovation to expand trusted and rapid AI-decisioning into more segments of the mortgage market. This empowers lenders to deliver a simpler, more transparent borrower experience from first touch to final close.