At the Mortgage Bankers Association’s Servicing Solutions Conference & Expo 2026 in Dallas, Tavant unveiled its TOUCHLESS Servicing Portal and embedded artificial intelligence (AI) agent MAYA — expanding its platform beyond loan origination and into post-close servicing.
The new portal unifies application, decisioning and servicing in a single borrower-facing experience, allowing homeowners to move from paying their mortgage to exploring refinancing or home equity options in one click.
Tavant leaders sat down with HousingWire to detail benefits for mortgage professionals, real estate professionals, borrowers and all housing stakeholders.
Sandeep Shivam — associate director of fintech at Tavant — described how AI agents sit atop the company’s experience layer and connect via APIs.
“Depending on the list of functionalities that you have, or the areas where you have to explore things and analyze, it will automatically create [AI] agents, micro [AI] agents, fulfill the need, and then, when it comes to actual borrower engagement, provide everything to the front-end agent.”
The architecture also integrates with point-of-sale systems, loan origination systems (LOS) and third-party vendors such as credit and income verification providers.
Sundeep Mathur — vice president of fintech at Tavant — said that flexibility reflects the company’s broader philosophy and allows integration with small and large lenders and real estate-facing platforms.
“This approach allows us to integrate with large lenders who have proprietary LOSs,” he said. “It’s not a massive two-year project to implement our solution.”
Tavant leaders said the servicing portal already supports more than 400,000 borrowers nationwide.
Key features include unified origination and servicing, a one-click path from servicing into a new loan application, 24/7 AI-assisted self-service with human escalation, built-in compliance controls and operational efficiency gains
According to the company, so far, features helped deflect more than 80% of routine servicing inquiries in current deployments.
Real estate experience draws applause
Although the servicing portal is borrower-focused, Tavant also recently demonstrated a real estate portal experience powered by MAYA to an audience of nearly 1,000 loan officers.
Shivam described the showcase, where a real estate professional could prompt the AI to generate a pre-approval letter instantly.
“You go into the Realtor app, and the Realtor says to the agent, ‘Hey, MAYA, generate me the pre-approval letter for Sam Johnson for $750,000.’” he said. “MAYA checks and says, ‘Yes, Sam Johnson is approved for $750,000. I can generate it.’ Then, it immediately generates [the letter].
“It’s all happening with just one prompt to the [AI] agent.”
For real estate professionals, that speed could mean stronger client relationships and faster offer submissions in competitive markets.
Because the platform unifies servicing and origination data, agents and loan officers can also receive signals when a past client begins exploring refinancing or home equity options — if configurations allow.
Shivam explained that the AI agent monitors borrower behavior within the servicing portal. When a borrower uses calculators to check second mortgage eligibility or refinance savings, that activity becomes a signal.
“Based on that (activity), it notifies the loan officer,” he said, “It also knows if it has to create any marketing campaigns for the user, based on interactions.”
The result could be improved refinance recapture and repeat business, with real estate professionals and loan officers staying connected to past clients during servicing, the designers said.
Measurable gains — faster applications
Early deployments suggest measurable efficiency gains — particularly in refinance scenarios.
“One of the big benefits is [reducing the] time taken to complete an application when a borrower has an offer, a servicing loan and looks to refinance,” Shiviam said. “The time to complete that application has reduced by close to 33%, because we have a unified platform. It is able to get the data from from the servicing side and complete the application fast.”
He added that early data also indicates improvements in pull-through rates and higher engagement with refinance offers.
Compliance, transparency and production-ready AI
Mathur stressed that deploying AI in regulated mortgage and real estate environments requires robust safeguards.
He spoke of lender-specific policies, procedures and processes in the AI’s decisioning framework.
“These [AI] agents need to be provisioned like people,” Mathur said. “They need to exist as their own entity. What data are they pulling in to make their decision? What is their reasoning?
“All of that has to be logged with the actions that the [AI] agent is doing on that loan. It has to be immutable. These logs cannot be just logs written to some file that somebody can manipulate. The auditor is going to come along and say, ‘Okay, show me that this is sound.’”
Experience working with companies such as Apple and Meta has helped strengthen Tavant’s AI governance of financial services, he added.
Uniting stakeholders — and building better borrowers
Looking ahead, Tavant sees the technology as a bridge across lenders, servicers, real estate professionals and agencies such as Freddie Mac.
Mathur said recent conversations with Freddie have centered on borrower education and enablement. AI, he said, can provide judgment-free learning at any hour.
“When the borrower is going through a hardship, before they pull the trigger on loan modification, they want to talk to a human,” he said. “But what we’re seeing is that prior to that, they want to log in at two o’clock in the morning and educate themselves, so they don’t need to have embarrassing conversations.
“MAYA can tell them all about what goes into a loan modification and what the different options are and go deeper. [Users can prompt], ‘I don’t know what you mean by a 40-year term,’ or, ‘What does that do to my principal?’”
By explaining terms, options and consequences in plain language, MAYA can help create more informed consumers, “building a better borrower,” Mathur said.
Ultimately, Tavant says that a unified, agentic AI-enabled experience can foster greater collaboration across the housing transaction — from application to servicing to repeat purchase — and align stakeholders around speed and borrower empowerment.