The TMO 2025 Year in Review
In the past year, The Mortgage Office has continued to invest in innovation, talent, and partnerships, and our customers, building a more powerful, scalable platform for lenders who want to grow efficiently without sacrificing accuracy, compliance, or control. From new product enhancements to expanded integrations and training opportunities for best-in-class lending operations, we’re focused on delivering meaningful progress and building momentum for what’s ahead. 2026 may be our most exciting year yet!
Most Loved TMO Enhancements
Throughout the year, we introduced impactful enhancements designed to simplify workflows, improve accuracy, and support day-to-day lending operations. These updates were shaped directly by customer feedback and real-world use cases across origination, servicing, and reporting.
Smarter, More Efficient Loan Origination
We made significant investments in loan origination to help lenders move faster, maintain clean data, and streamline the process from application through funding.
- Unified Borrower Profiles
Borrower Profile consolidates critical borrower data into a single source of truth, improving data integrity at origination and reducing downstream servicing and reporting issues.
- Workflow Automation
Built-in automation helps prevent applications from stalling in the origination pipeline, keeping deals moving and establishing a foundation for more advanced process automation as lenders scale.
- User Personas & Access Controls
Enhanced user-level permissions provide tighter data privacy and stronger internal controls, particularly important for growing teams and enterprise lenders.
Improved Servicing, Portals, and Operational Performance
Beyond origination, we focused on performance, transparency, and usability across servicing and daily operations.
- Modernized Lender Portals
Updated portals provide clearer portfolio insights while enabling secure document and attachment sharing, supporting better communication with stakeholders and investors. Learn More.
- Borrower Portal Upgrade
Modernized borrower portals deliver a more intuitive, mobile-friendly experience while improving document access, transparency, and communication throughout the loan lifecycle.
- Secure Borrower Upload Links
Borrowers can now submit additional documentation through secure upload links that attach directly to their loan—eliminating manual follow-ups and reducing operational friction.
- AI Powered Chatbot Support
In addition to our knowledgeable technical support team, we have launched in-App AI support to help provide even faster assistance to our clients when needed, effectively resolving nearly half of all support tickets. Should questions remain, our talented support staff are ready to assist.
Integrations Customers Are Talking About
In 2025, adoption of key integrations accelerated as lenders looked to streamline document workflows, asset management, and compliance.
- Lightning Docs
Now used by 20% of TMO loan origination customers, Lightning Docs enables fast, reliable document generation directly within the TMO platform, reducing turnaround time and manual effort.
- Jonah Direct
Jonah Direct simplifies distressed asset management, giving lenders a more efficient way to handle non-performing loans. New TMO users will now have access to Jonah Direct’s default management platform from within their accounts, making it easier than ever to manage distressed assets.
- Miniter
Miniter’s insurance tracking integration, a HUB Financial Services product, ensures loan coverage never lapses, reducing risk and strengthening compliance. 30+ customers are now using Miniter’s insurance tracking to ensure loans never lapse in coverage.
Built on Customers Feedback
At The Mortgage Office, our roadmap is shaped by direct collaboration and engagement with lenders across the industry. Additionally, we know private lenders oftentimes have unique ways of running their businesses. TMO strives for a healthy balance between standardization and customization to individual use cases, paving the way for best practices but also providing the flexibility to lend your way. In the last year alone, TMO customers shared with us 540+ feature requests and we conducted 250+ related discovery calls.
Customer input directly shaped everything from streamlining in-app payment flows to launching enterprise-grade capabilities like Single Sign-On (SSO)—ensuring TMO continues to solve real operational challenges at scale.
The customer-first approach is also reflected in how the market recognizes The Mortgage Office. In 2025, TMO earned multiple G2 awards, including top rankings for Loan Servicing and Loan Origination, based entirely on verified customer reviews. This recognition reinforces TMO’s position as the #1 loan servicing platform trusted by private lenders for usability, reliability, and support.
Quotes From Our Customers
“One of the main reasons I like TMO is the security and reliability. It has to be accurate, and over the years it’s always been accurate…down to the penny.” – Jack Suddarth, President, Equity Wave Lending
“Most people I know in this industry use TMO, for a reason. We have firsthand experience of going to a different platform, and it didn’t end well at all. Our experience since being back has been great.” – Kevin Highmark, COO, Capital Fund 1
“TMO is not just a service provider…you’re true partners.” – Scott Taylor, President, Artes Capital
What’s Coming Next
We’re continuing that momentum with new enhancements to the TMO platform. Our product roadmap remains focused on consistency, accuracy, and borrower experience.
- TIN Matching
Continuous evaluation of borrower TIN data to improve accuracy across TIN numbers, types, and borrower names—helping U.S. lenders reduce errors and avoid unnecessary IRS penalties.
- Construction Draw Manager
A refined construction draw management experience designed to improve consistency, transparency, and borrower engagement throughout the draw request and approval process.
A Growing Platform and Team – TMO Continues to Grow
2025 was also a milestone year for The Mortgage Office as we expanded our team, leadership, and physical footprint to support continued innovation.
- New NorCal Office
We’re opening a new office in Northern California, adding a team of technology experts in Silicon Valley to accelerate AI development and future product innovation.
- Customer & Team Growth
Over the past year, we welcomed a record number of new customers and added 37 new employees, strengthening our ability to support lenders as they scale.
- Board Expansion
Our Board of Directors welcomed Jeff Tennyson, former CEO of Lima One Capital, bringing expertise and strategic insight to TMO’s leadership.
Ready to See What’s Next for Your Lending Business?
The Mortgage Office is built for lenders who want more than software—they want a platform that scales with their portfolio, adapts to their workflows, and evolves alongside the industry.
As we move forward, we remain focused on delivering secure, scalable solutions that help private lenders operate with clarity and confidence. With continued investment in technology, integrations, and customer success, we’re excited about what’s ahead, and about partnering with lenders who are ready to grow.
Whether you’re modernizing from legacy systems, managing increased loan volume, or preparing for future growth, TMO delivers the technology, integrations, and expertise to help you move forward with confidence.
See The Mortgage Office in Action
Schedule a personalized demo to explore how TMO can help you:
- Streamline loan origination and servicing
- Improve accuracy and compliance
- Scale operations without adding complexity
- Deliver a better experience for borrowers and investors