Friday Harbor - The Mortgage Collaborative

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Full-file AI underwriting for real-world lending

Built to take on messy files, edge cases, and overlays, Friday Harbor helps origination teams assemble clean, complete, and compliant loans from the start.

We’re proud to support TMC members as they compete in a market increasingly shaped by scale. By bringing full-file AI underwriting into origination, we help lenders of any size keep up with the industry’s largest players.

Our Solution

Unlike other AI tools, we read the entire loan file, including borrower documents and appraisals, to calculate income, anticipate conditions, and resolve issues before files reach underwriting.

Income Sandbox: Lets teams toggle docs on/off for instant insight into DTI impact
Appraisal Reviewer: Analyzes the full appraisal, including photos, to flag issues likely to create conditions
Scenario Desk: Applies overlays by investor, channel, program, or policy so guidance reflects how you really lend
Integrations: Connects directly with your LOS (no system hopping) and with Fannie Mae’s Income Calculator (unlocking reps and warrants relief)