Top Mortgage Startups in 2026

We’re building MIRA, an AI-powered co-pilot embedded inside mortgage lenders’ LOS/POS platforms that streamlines fragmented, manual workflows like eligibility checks, document review, and loan structuring. Today’s mortgage process remains slow, costly, and frustrating—despite digital front-ends, the backend remains inefficient with over $11K in average loan origination costs. MIRA automates decision-making and support tasks using agentic AI models built on Azure and Google Gemini, helping borrowers self-qualify, aiding loan officers with scenario planning, and improving throughput across processing and underwriting—without replacing core systems. Our plug-and-play orchestration layer helps lenders modernize incrementally while improving borrower experience, sales velocity, and operational efficiency. We’ve deployed with our first enterprise client, have two more implementations underway, and are in discussions with multiple banks and IMBs. MIRA is backed by a veteran mortgage team with 20+ years of experience, combining deep domain expertise with next-gen AI capabilities.