AI-driven utility infrastructure establishes new foundation for trusted mortgage data
October 16, 2025 – ST. PETERSBURG, Fla. – Alpha7X, the mortgage industry’s first agentic AI utility infrastructure that connects, validates and synchronizes mortgage data and eliminates redundant loan reviews, today announced its official launch. The patent-pending platform empowers lenders, servicers, custodians and investors to orchestrate and execute data reviews up to seven times faster, turning fragmented information into a single, intelligent source of truth.
In today’s mortgage ecosystem, systems of record were designed to store data, not execute or reconcile it. Because originators, settlement agents, custodians, investors, servicers, and regulators use different systems that don’t communicate, they typically check the same data and documents in isolation, creating inefficiencies that Alpha7X estimates are costing the industry billions of dollars annually. Alpha7X solves this problem by providing a shared data orchestration layer that connects every stakeholder, preserves data lineage, and creates a single, trusted record of truth that travels with every loan, ensuring that reviews can be reused and verified across all stakeholders.
Alpha7X’s agentic AI platform eliminates manual “stare and compare” work by autonomously reconciling data and documents at the field level. The system establishes a verifiable source of truth, issues audit logs and compliance scores, and reruns checks automatically whenever data changes. The platform keeps human reviewers in the loop for exceptions while handling the bulk of the execution work itself.
In addition to cutting review times by up to sevenfold, early pilot programs show Alpha7X boosts throughput six times and lowers costs by as much as 85% compared with traditional manual processes.
Alpha7X’s pricing model reflects its client-based approach. Instead of charging fixed fees, licenses, or per-seat costs, the company quantifies the savings it delivers to each client and retains 25% of that amount.
“Alpha7X is AI built from inside the mortgage industry, not outside it,” said Jim Cutillo, founder and CEO of Alpha7X and a longtime mortgage executive and entrepreneur. “We saw firsthand the inefficiency and waste caused by disconnected systems and redundant work. With Alpha7X, what used to take days now happens in minutes. We’re building the connective infrastructure that finally allows stakeholders to trust and reuse data rather than constantly recheck it.”
“Our pricing model takes the risk and friction out of adopting new technology,” Cutillo added. “The mortgage industry has become disillusioned with technology that introduces fixed costs with little or no ROI. With Alpha7X, you see your ROI every week, and we only win when our clients do.”
Alpha7X is currently running demos with lenders, servicers, and investors and advancing toward its goal of becoming the mortgage industry’s core utility for data orchestration. Several leading custodians, settlement agents, and compliance providers have already adopted the platform.
“The mortgage industry has invested heavily in automation, but it still lacks the trusted infrastructure needed to connect all that technology together,” said Daniel Einhorn, of Capital Midwest Venture Fund. “Alpha7X isn’t another vendor looking to capture market share — it’s building the missing layer that will allow the entire ecosystem to operate on a common standard of truth.”
About Alpha7X
Alpha 7X is the first agentic AI utility infrastructure for mortgage operations. The company’s patented orchestration engine automates data and document reconciliation across the loan lifecycle, eliminating redundant reviews and establishing a continuous, auditable foundation of trust. The company was founded by Jim Cutillo, a mortgage technology veteran who previously grew Stonegate Mortgage to a top 10 national lender before taking the company public. Alpha7X is based in St. Petersburg, Florida and serves originators, servicers, custodians, investors, and other mortgage stakeholders. For more information, visit www.alpha7x.com.