{"id":2629,"date":"2022-12-03T09:59:21","date_gmt":"2022-12-03T14:59:21","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=2629"},"modified":"2024-04-25T23:18:11","modified_gmt":"2024-04-26T03:18:11","slug":"could-blockchain-and-artificial-intelligence-remove-bias-from-the-mortgage-process","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/could-blockchain-and-artificial-intelligence-remove-bias-from-the-mortgage-process\/","title":{"rendered":"Could Blockchain and Artificial Intelligence Remove Bias From the Mortgage Process?"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"380\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2022\/12\/could-blockchain-and-artificial-intelligence-remove-bias-from-the-mortgage-process-1024x380.jpg\" alt=\"\" class=\"wp-image-2630\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2022\/12\/could-blockchain-and-artificial-intelligence-remove-bias-from-the-mortgage-process-1024x380.jpg 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2022\/12\/could-blockchain-and-artificial-intelligence-remove-bias-from-the-mortgage-process-300x111.jpg 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2022\/12\/could-blockchain-and-artificial-intelligence-remove-bias-from-the-mortgage-process-768x285.jpg 768w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2022\/12\/could-blockchain-and-artificial-intelligence-remove-bias-from-the-mortgage-process-1536x570.jpg 1536w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2022\/12\/could-blockchain-and-artificial-intelligence-remove-bias-from-the-mortgage-process-2048x760.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>In 2017, a small business came up with a fully online mortgage tool. The founders called it an intelligent mortgage adviser, and named it Home Lending Pal. It\u2019s meant especially for <a href=\"https:\/\/www.deeds.com\/articles\/first-time-home-buyer-pro-tips\/\">first-time home buyers<\/a>. The platform uses artificial intelligence (AI) to help them become home buyers. Its application criteria do not include race, age, gender or sexual orientation, or other traits that could marginalize them. It\u2019s all about the finances, and that\u2019s that.<\/p>\n\n\n\n<p>Based on Home Lending Pal\u2019s business plan and two years\u2019 worth of positive history, the IBM\u00ae Hyper Protect Accelerator team began its supportive collaboration with the company. Home Lending Pal integrated IBM\u00ae Blockchain and IBM\u00ae Cloud.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Buy a Home? Where Do I Even Start?<\/h2>\n\n\n\n<p>As the company <a href=\"https:\/\/twitter.com\/homelendingpal\/status\/1564333571162214402\" target=\"_blank\" rel=\"noreferrer noopener\">explains<\/a> on Twitter: \u201cWe built Home Lending Pal for first-time homebuyers who have dreams of being a homeowner but may be intimidated by the process or don&#8217;t know where to start.\u201d<\/p>\n\n\n\n<p>Anyone can search for homes on Home Lending Pal, and take a step-by-step journey on the mortgage approval path. Kev, the platform\u2019s AI-powered guide, analyzes the data to match customers with mortgages. The customer gets:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Guidance on improving credit and applying for available mortgage assistance.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The ability to select homes (real estate websites are integrated with the platform) and have Kev respond with the chances of a mortgage approval to buy the home. If the odds are low, Kev will walk the customer through credit improvement steps.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Application of AI to match the customer\u2019s financial profile with the appropriate lenders, mortgage assistance, or both. The customer gets a list and can select a lender to work with.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An overview of the data lenders will apply in underwriting a mortgage.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A rundown of hidden fees and closing costs, to allow for real budgeting (which online mortgage calculators do not help people do).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Assistance in organizing all necessary financial information and preparing the required documents to submit.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Completion of all financial aspects of the deal online. (Home Lending Pal is a licensed mortgage broker.)<\/li>\n<\/ul>\n\n\n\n<p>Kev can tell a customer the price range of a home they can afford to buy, the rough timeline, and how they can rearrange their financial habits to succeed.&nbsp; &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Importance of Addressing Bias in Lending<\/h2>\n\n\n\n<p>People apply for mortgages solely on the basis of their financial situation with Home Lending Pal. Why does this matter? It\u2019s an example of technology that can potentially remove bias from the application element of mortgage lending.<\/p>\n\n\n\n<p>According to the Urban Institute, applicants from minority groups are much less likely than applicants overall to be approved for loans. The application process, of course is only one element. <a href=\"https:\/\/www.deeds.com\/articles\/deed-with-eminent-domain-history-returned-to-heirs\/\">Racial wealth gaps involving real estate<\/a> are complicated, having formed over decades.<\/p>\n\n\n\n<p>Home Lending Pal was started by Black and Latino co-founders. At first, they wanted to make mortgages easier for young people and first-timers to approach. The co-founders applied to the accelerator program because they thought it would suit their startup\u2019s focus on a proprietary method to process sensitive data. Before long, they discovered another aspect of \u201ccontactless\u201d mortgage lending. Home Lending Pal could isolate credit and financial factors rather than a customer\u2019s appearance or other personal factors when producing decisions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">IBM Blockchain: Key to the Company\u2019s Success<\/h2>\n\n\n\n<p>Home Lending Pal\u2019s secret sauce is deriving insights from individual bank and credit accounts, so the Hyper Protect Services that come with the IBM\u00ae Cloud is critical to the mission. And so is the famous tech company\u2019s blockchain capabilities. The beauty of blockchain is the way it can hold financial information in a tamper-resistant way. Home Lending Pal is an example of blockchain, put to its best use.<\/p>\n\n\n\n<p>\u201c[M]ore than 800 people have already become homeowners with help from Home Lending Pal,\u201d says IBM in its case study.<\/p>\n\n\n\n<p>\u201cAnd many more are well on their way to home ownership thanks to the company\u2019s guidance.\u201d<\/p>\n\n\n\n<p>And that\u2019s good news.<\/p>\n\n\n\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\">Leah Valentine for <em>IBM.com<\/em>:<a href=\"https:\/\/www.ibm.com\/case-studies\/home-lending-pal-inc\/\" target=\"_blank\" rel=\"noreferrer noopener\">Making Dreams Come True Home Lending Pal Uses IBM Technology to Help More People Become Homeowners<\/a>.<\/p>\n\n\n\n<p class=\"has-small-font-size\">Trevor Fraser for <em>Orlando Sentinel Online<\/em>: <a href=\"https:\/\/news.yahoo.com\/online-mortgage-marketplace-deploys-computer-081500206.html\" target=\"_blank\" rel=\"noreferrer noopener\">Online Mortgage Marketplace Deploys Computer Power to Fight Lending Bias<\/a> (Aug. 24, 2022).<\/p>\n\n\n\n<p class=\"has-small-font-size\"><a href=\"https:\/\/www.homelendingpal.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Home Lending Pal<\/a>.<\/p>\n\n\n\n<p class=\"has-small-font-size\">Photo credit: <a href=\"https:\/\/www.pexels.com\/photo\/woman-coffee-apple-iphone-4046299\/\" target=\"_blank\" rel=\"noreferrer noopener\">cottonbro studio<\/a>, via Pexels.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In 2017, a small business came up with a fully online mortgage tool. The founders called it an intelligent mortgage adviser, and named it Home Lending Pal. It\u2019s meant especially for first-time home buyers. The platform uses artificial intelligence (AI) to help them become home buyers. Its application criteria do not include race, age, gender [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[85],"tags":[],"class_list":["post-2629","post","type-post","status-publish","format-standard","hentry","category-blockchain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Could Blockchain and Artificial Intelligence Remove Bias From the Mortgage Process? - Deeds.com<\/title>\n<meta name=\"description\" content=\"The platform uses artificial intelligence (AI) to help them become home buyers. Its application criteria do not include race, age, gender or sexual orientation, or other traits that could marginalize them. 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