Multiply Mortgage Brings AI-Efficiency and Lower Rates to Mortgages

AI Innovation Transforms Complex and Costly Mortgage Processing

DENVER--(BUSINESS WIRE)--Multiply Mortgage, the AI-native mortgage platform disrupting the $1.7 trillion mortgage market, today announced two new breakthrough tools to transform mortgages for more efficiency, greater transparency, and lower costs. Multiply’s vertical AI stack delivers significant operational efficiencies that get passed on directly to homebuyers through interest rate discounts of up to 1%* and translating to an average of $5,700 in annual savings per employee.

Multiply provides mortgage employee benefit programs and has grown its origination volume 5x since January 2025, covering over 45,000 employees across more than 40 employers.

Empowering Consumers with Mortgage Intelligence

Multiply’s new, free AI-powered tool Rate IQ empowers consumers to take greater control in the home-buying process. Most consumers lack the expertise to properly evaluate complex mortgage offers, often focusing solely on interest rates while missing important fee structures or unfavorable terms. Rate IQ delivers instant, professional-level analysis of mortgage offers.

Rate IQ can:

• Read the full offer - Analyze complete terms, not just the rate, including lender credits, buydowns, points, and fees.
• Compare apples to apples - Normalize multiple offers to reveal hidden costs or unfavorable terms and show true total cost.
• Guide next steps - Accept an uploaded offer document, deliver instant feedback on rates, fees, and terms, and provide concrete next steps to improve value.

Transforming Mortgage Processing

Loan Sentinel is the foundation of Multiply’s mortgage processing platform in one of the most complex and regulated industries. It reduces inefficiencies that add time and cost to borrowers.

Loan Sentinel can:

• Extract and verify identity data - Instantly pull key fields from IDs and match them to a mortgage application for accurate, compliant verification.
• Validate income and assets - Read pay stubs, W-2s, bank statements, and employment records to extract key data and flag inconsistencies.
• Organize documents - Identify, classify, rename, and group supporting documents to streamline processing and underwriting.
• Stakeholder communication - Automatically keep real estate agents, title agents, and other stakeholders up-to-date on financing progress and milestones.

In production, processing time is down 15% and fulfillment throughput is more than 2× relative to industry benchmarks listed in the Mortgage Bankers Association’s Q2 2025 Quarterly Mortgage Bankers Performance Report.

“We are quietly disrupting the mortgage origination stack from within,” said Michael White, CEO and co-founder, Multiply Mortgage. “Loan Sentinel is our vision for reducing human touchpoints in mortgage fulfillment from eight+ parties down to just two, while putting a trusted expert in every borrower’s corner, so they have guidance, clarity, and real support during the biggest purchase of their life.”

Multiply’s AI-native and vertical stack approach allows it to achieve operational efficiencies that lower costs and offer better options to homebuyers. “The goal is to eliminate time-consuming manual steps so our advisors can focus on guiding borrowers through their most important and complex financial milestones, while consumers access lower rates and better service,” said White.

Alex W., a software engineer at Twitch secured a Multiply mortgage through his employer benefit program and said the rate he received “was significantly lower, and the way it was presented—via a transparent website link where you could see every fee straight up—was just better. I could ask any question at any point and always got a quick, clear answer.”

In addition to AI-driven operational efficiencies, Multiply has drastically lower customer acquisition costs. Through its B2B2C model, it is able to offer employers a zero-cost employee benefit while reaching qualified borrowers, without spending thousands on advertising and lead generation that raise customer interest rates and fees. Since pioneering mortgage-as-a-benefit, Multiply Mortgage is active in 46 states plus the District of Columbia, has grown addressable employees roughly fourfold, and is growing over 50% month over month.

To learn more about Multiply, visit https://www.multiplymortgage.com/. RateIQ is available at ​​http://multiplymortgage.com/rate-iq.

ABOUT MULTIPLY MORTGAGE

Multiply Mortgage helps employees navigate the largest purchase of their lives: buying a home. Its financial wellness benefit offers mortgage interest rate discounts of up to 1% below retail*, unlimited 1:1s with mortgage expert advisors, and employee education sessions covering the home purchase and financing process, all with zero cost or administrative overhead for the company. Multiply is backed by Kleiner Perkins, A*, and other leading funds, founders, and operators.

*Comparison “retail” rate is an estimate published Sept 10, 2025 on Rocket Mortgage. Both rates assume a qualified borrower with a FICO score of 740, a 20% down payment made by the borrower, and a $350,000, 30 -year fixed mortgage for a primary single-family home purchase in zip code 94107. Your actual results may vary based on your individual circumstances. All credit decisions are subject to under writing and other approvals.