QualifyDataQualifyDataYes — a mortgage brokerage or lending office's records can be licensed to AI companies, and few businesses hold a deeper archive: every loan you processed left an application file and a conditions trail, on top of years of correspondence — depth buyers pay for.
AI developers pay to see how real work moved through a real business, and mortgage work is documented at every step — application, documents, conditions, closing, all in writing. Buyers license a cleaned copy of records like yours, with names and identifiers taken out. You keep your originals, and your day-to-day work does not change.
QualifyData is a broker. We put your archive in front of 15 AI companies, they bid, and we submit the best offer in writing. You go through the process one time instead of once per buyer.
Five minutes. See if your archive qualifies.No cost. No commitment. No logins, no records handed over — just a few questions about the size of your archive.
A loan file is one of the most complete records there is, and an office holds years of them. These are the records offices like yours commonly keep:
What matters most is how many sources an office has and what kind they hold. Years of loans across an LOS, a CRM, email, documents, and accounting is a deep, connected archive — and depth is what buyers price.
Five minutes. See if your archive qualifies.Borrower files hold some of the most sensitive information in consumer finance. The process is built with that in front of it, and you control what goes:
One thing we will say plainly: this page is information, not legal advice. Mortgage files sit under real regulatory and contractual obligations, and whether a given set can be licensed is a call for your own counsel and compliance advisors. Your attorney is welcome on the intro call and reviews every agreement before you sign it.
Mortgage and lending sits in the finance family, and finance offices qualify smaller than most. The general shape:
| Years the office has been operating | 3 or more |
| People working at desks (loan officers, processors, underwriters, support) | 10 to 15 or more |
| Software systems the work runs through | 5 or more is strong |
| Location | US or Canada |
Published fit criteria for the program, checked November 2026. The AI companies make the final call on fit — the five-minute check is where that call starts.
What counts is the desk team whose work ran through the LOS, the CRM, and the email — and the written record it created.
Yes. Lending runs in cycles, and an office's archive holds all of them — the heavy purchase years, the refinance waves, the slow stretches between. Each loan left the same complete file: application, conditions, correspondence, outcome. Buyers are pricing how real lending work got done over time, and older files are a large part of that archive, not leftovers.
You choose the window: full history, or start with the years you are most comfortable with. The intake call covers counts and sizes only, system by system and year by year.
Five minutes. See if your archive qualifies.When rates rose and loan volume fell, some shops closed or shrank sharply. A closed office is measured as it was at its peak
— the desk staff it had in its final stretch of real operation, the years of loan files it built, the systems it ran on. If the records still exist and you hold authority over them, they can still be licensed. There is one real deadline: records in accounts that get cancelled or left to lapse can go with the accounts, so the order is license first, cancel after. The full picture is on our page for closed companies. Read the closed-companies page →Some offices are too small or too thin on paper for buyers, and we would rather say so here than waste your time:
If your office is close to the line, the five-minute check is still the fastest way to find out — the buyers make the final call, not us.
We walk through how your office's work moves through its systems and answer your questions. No data, no logins.
A client services agreement lets us represent your office. It does not commit you to a deal, and your attorney can review it first.
60 to 90 minutes covering counts and sizes only — system by system, how far back, how much. No records are shared and nobody gets a login.
Your archive summary — with no actual records in it — goes to 15 AI companies. They bid, and we submit the best offer to you in writing.
You and your attorney review the terms, and your office signs directly with the AI company behind that offer.
Your team exports copies, typically 5 to 10 business days, and the buyer reviews the export over about 30 days. The AI company then pays your office directly — typically 90 to 120 days from signing to payment. Timelines are typical, not promised, and no offer is guaranteed.
It depends on how many sources the work ran through and what kind of records they hold, how many people worked at desks, and how many years of loan files you have. Case studies from AI labs run from $150K to $550K, and higher for large archives. Your office's number only exists as a written offer after the intake call — the estimator gives you the rough range first.
It is the normal situation in lending, and the process is built for it: you pick which systems and years go, identifiers are replaced with labels before any AI developer sees a line, financial identifiers like Social Security and account numbers are left out entirely, and you can review a cleaned sample first. Whether a given set of files can be licensed is a decision for your own attorney and compliance advisors — we don't advise on that call.
No. Financial identifiers — Social Security numbers, bank account and card numbers — are left out entirely, and names, emails, phone numbers and addresses are replaced with labels. Only the buyer's cleaning process ever sees the raw copy; developers receive the cleaned version only.
Old files count — they are most of the archive. Each funded, denied, or withdrawn loan left a complete file, and the value grows with the number of years of files you have built. You choose which years are included when you license.
Yes, if the records still exist and you hold authority over them. A closed office is sized as it was at its peak — its desk staff, its years of loan files, its systems. Our closed-companies page covers the details, including why the timing matters before old accounts are cancelled.
Nothing, at any step. Your business never pays anything.
We never touch or access your data. Not during the intake, not during the export, not ever. Your records go straight from your systems to the AI company you sign with — we are never in that chain. Your business never pays anything.