If you were building your business today with AI underneath it, what would you build, and why aren't you?
Spend a day with twelve to fifteen senior lender peers, where you build working AI on a workflow from your own shop with an expert coach beside you. You leave with the fluency and the confidence to lead the change, not a summary of it.
Source: The Mortgage Collaborative, Pulse of the Network, June 2026, across TMC's member lenders.
Evaluation isn't the constraint in lending. Deployment is. The board issues the mandate, the shop buys the seats, the pilot gets built, and it never crosses into production. What stops it isn't the budget and isn't the vendor. It's that nobody senior enough has the confidence to sign off on what the thing is telling them.
It shows up in the P&L. Freddie Mac puts the spread between the best and worst quartile cost to originate at roughly $6,900 against $16,500 on the same loan, with personnel running about two thirds of production cost. Every lender in the bottom quartile can buy the same software as every lender in the top one.
You probably haven't heard of us, and that's fair. Here's what the last cohort said, on the day.
Scores from the lending executives at the June 2026 Lab, collected on the day.
It didn't take us more than 15 minutes to have a full training program that would probably have cost us $200,000 and taken six months.
The thing I took away is that I was just overcomplicating it. It turns out you just write ‘create an agent,’ and there you go. It's really not that hard.
Knowing others were in the same boat, and how easy it was to create solutions.
How simple it was to get a very polished product as a first draft: something that would take us weeks and months of alignment with stakeholders.
It's the line on the screen when everyone sits down, and it's the rule the whole day runs on. Nobody presents. Nobody performs. Nobody is watching you fumble.
For one day, every senior person at the table is a beginner together: hands on keys, a real workflow on the table, an expert coach at your elbow. That's a setting no conference, no vendor demo, and no board deck can give you.
We run the whole thing: facilitation, the AI coaches and developers, the data, the venue. You work alongside your peers in a judgment-free environment, everyone building, everyone supporting each other. You bring one workflow and an open mind.
A short, plain-spoken working session on what AI agents actually do in lending today, plus a framework for finding AI use cases, managing the change, and reimagining workflows. No hype, no vendor slides.
Shown live, not pitchedYou bring a scenario from your own shop: the intake queue, the document checks, the report that eats your week. You drive. Your coach keeps you moving.
Your hands, your workflowYour table shows the group a working build. Two minutes, live, no slides. The moment your peers watch your agent decision a loan file is the moment the conversation changes.
Live, or it didn't happenBefore you leave, you name the one thing you'll rethink in your real business, and we turn it into a one-page plan: your build, and the legacy metric it moves in 30, 60, and 90 days.
The bridge to Monday
Not notes. Not a vendor shortlist. Fluency you built yourself, and the confidence that comes with it.
Twelve to fifteen senior leaders from lending and financial services, all somewhere on the same transformation journey, all facing a version of the challenge you're facing. Nobody walks in fluent. That turns out to be the point: it's far easier to try something and have it not work when the person beside you is trying the same thing.
They're peers, not an audience. One seat per company, senior line leaders only. Which does mean a competitor could be sitting two chairs away, and that's exactly why the last rule matters.
The group splits into four tables of three or four, each with its own developer, each clustered around one shared workflow. That's why the application asks what it asks: a table only works when the people at it are wrestling with problems that teach each other something.
Twelve to fifteen seats, one per company, four tables, one developer at each. Every application is read personally, because the tables have to be built rather than filled. Three steps between you and yours.
Twelve questions, about ninety seconds: where AI stands in your shop, where the resistance lives, and the workflows you'd hand over first.
On the spot: your lending AI stage, how you compare with the market, a fit read, and your Member Pass.
Senior line leaders can hold a seat right there. Everyone else books a fifteen-minute call and we find the right way in.