Beyond Task Automation
The key difference is how agentic AI operates. It can work across multiple steps, retrieving documents, querying data, running models, resolving exceptions, and generating underwriting memos without human intervention between tasks. RPA-style automation, by comparison, typically automates individual steps before handing work back to a person.
Where Agentic AI Is Already in Use
TD Bank Group launched its agentic AI model in May 2026 to automate and streamline mortgage and HELOC applications. Cloudvirga serves 10 of the top 40 US mortgage originators and processes approximately $200 billion in annual loan volume.
Adoption Today Versus Expectations
AI/ML use among mortgage lenders has increased from 15% to 38%. Yet 57% of mortgage professionals expect AI-driven underwriting to be the year's most significant industry change, highlighting the gap between current adoption and market expectations.
The Numbers at a Glance
- TD Bank agentic AI launch: May 2026 for real estate secured lending
- Cloudvirga: 10 of the top 40 US originators, $200B annual loan volume
- AI/ML use among lenders: 38%, up from 15%
- 57% expect AI-driven underwriting to be 2026's biggest industry shift
What This Means for Flatworld Mortgage This is the market context behind Platform ➞ Reimagining Workflows, the Agentic Way: live deployments and measurable adoption, not a hypothetical trend.
Underwriting & Loan Processing Origination & TPO Intake
