Dark Matter Technologies has introduced a new capability that allows mortgage lenders to deploy secure artificial intelligence (AI) agents within its Empower loan origination system (LOS) using the open-source Model Context Protocol (MCP), marking a significant advancement in regulated lending workflows.
The feature is designed to help lenders reduce manual tasks, accelerate access to information, and enhance operational efficiency while maintaining strong compliance and security controls — a critical factor in regulated mortgage environments. Rather than relying on traditional application programming interfaces (APIs) that require advanced software development expertise, the new AI agent capability enables business teams to create and manage agents that interact with Empower’s LOS in a compliant, auditable manner.
At the heart of the solution is a managed gateway that governs identity verification, enforces user permissions, limits access to sensitive loan data, and generates a complete audit trail for every request. This approach ensures that AI agents operate within strict regulatory boundaries and that all interactions with loan information are fully traceable.
“By managing the secure communication layer — identity, permissions, monitoring, and auditability — we give lenders the freedom to innovate with AI on top of Empower while maintaining full control and compliance,” said Vikas Rao, chief technology officer at Dark Matter Technologies. “This is the foundation lenders have been missing.”
Lenders can deploy AI agents tied to everyday tasks, such as querying pipeline status, retrieving loan-level details, or assisting with compliance-related inquiries, with each agent only accessing the information a user is authorized to view. The capability also supports integration with other internal systems such as customer relationship management (CRM) tools, servicing platforms, or billing systems, offering broader workflow automation.
“We believe in helping clients realize their innovative ideas, while still staying secure and compliant,” said Sean Dugan, chief executive officer of Dark Matter Technologies. “This capability allows teams to use AI to surface information faster, reduce manual effort, and support day-to-day workflows — all while keeping humans firmly in control of lending decisions. It’s all about driving measurable efficiency gains without introducing new compliance risk.”
