Addy AI

Pick Addy when your bottleneck is processor throughput, not lead flow. The agents do real work on the file — reading guidelines, resolving conditions against AUS findings, chasing missing docs — and they do it inside Encompass or MeridianLink instead of in a separate tab. Newfi Lending's September 2026 partnership is the kind of reference that matters more than a homepage testimonial, because it means the integration survived a real lender's compliance review. Skip it if you're a small broker shop. Agent training on your own guidelines and rate sheets is the setup cost, and if you close a handful of loans a month, you'll never earn that back. This is also not a consumer budgeting tool, a general email client, or software for auto, personal or commercial lending. The product is narrow on purpose. Against the closest alternative: point tools like Ocrolus extract structured data from loan documents and stop there. Addy runs the extraction and then acts on it — drafting the client request, checking the condition, flagging the missing item. The vendor publishes its own Ocrolus comparison, so read it with the obvious grain of salt, but the architectural difference is real. Generic assistants with no LOS hooks can answer guideline questions; they can't write back into the file. Where it bites: the headline numbers are vendor case studies, not audited benchmarks. The 99.99% income-calc figure comes from one division manager at EMortgage, and 10x comes from one branch. Your mileage depends on document quality and how cleanly your guidelines are written down. In practice, teams that get the most out of this are the ones who already have their overlays documented. We'd reach for this when a lender is running Encompass or MeridianLink, processing enough volume to justify agent