NEXA Lending, the nation’s fastest-growing mortgage brokerage, is pushing deeper into AI-driven origination with the rollout of Chat and Social AI, the latest expansion of its proprietary Agenetic AI platform.

The company’s pitch is bold but clear: this isn’t another chatbot or CRM add-on. NEXA is positioning Agenetic AI as a learning, adaptive system that operates as a true digital teammate—one that thinks alongside loan officers as they market, structure, and close loans.

In an industry crowded with point solutions and workflow band-aids, NEXA is betting that tighter integration—and smarter automation—will be the real differentiator.

From AI Tools to AI Teammates

Most mortgage technology today relies on static systems: CRMs that log activity, pricing engines that require manual inputs, and chatbots that answer narrow questions. NEXA’s Agenetic AI is designed to move past that model.

The platform continuously learns from usage, adapts in real time, and embeds intelligence directly into daily workflows. With the introduction of Chat AI and Social AI, that intelligence now extends across both origination mechanics and borrower-facing engagement.

The goal is simple: reduce cognitive load on loan officers while increasing output.

Rather than switching between systems, loan officers can rely on AI that works quietly in the background—surfacing insights, answering questions, and generating content while humans focus on relationships and execution.

What Chat and Social AI Deliver

The new rollout gives NEXA loan officers instant access to a wide range of capabilities, including:

• Loan product and guideline search across 288+ investors

• Real-time pricing and scenario analysis

• Intelligent loan structuring support

• Automated answers to NEXA-specific and mortgage-related questions

• AI-powered social media and content creation

• Intelligent chat support for both loan officers and borrowers

Taken together, these features are designed to transform AI from a passive support tool into a production multiplier—one that’s always on, always learning, and always optimizing.

A Platform Built for End-to-End Origination

NEXA says this rollout is only the beginning. Over the coming weeks, the company plans to introduce additional automation designed to:

• Reactivate dormant databases

• Identify overlooked borrower opportunities

• Increase production without increasing effort

The broader vision is ambitious: embedding AI into every stage of the loan officer lifecycle, from marketing and social engagement to application, underwriting, and closing.

If executed well, it could reshape how independent loan officers compete—especially as margins tighten and borrower expectations continue to rise.

CEO Mike Kortas: “Not a Toy, Not a Chatbot”

For Mike Kortas, CEO of NEXA Lending, the distinction between traditional AI tools and what NEXA is building is critical.

“I’ve spent my career building systems that help loan officers win,” Kortas said. “This is the most powerful one yet.”

He emphasized that Agenetic AI is not experimental or theoretical—it’s already live.

“We’re introducing true learning AI to the mortgage industry,” Kortas said. “Not a toy, not a chatbot, but real, decision-capable intelligence that works alongside our people every single day.”

Kortas also stressed the speed of execution. According to NEXA, the upcoming releases will roll out in weeks, not months, with rapid iteration baked into the platform’s roadmap.

“Nobody has ever built anything this robust for mortgage professionals before,” he added.

Exclusivity—For Now

At launch, Chat and Social AI are available exclusively to NEXA loan officers, reinforcing the brokerage’s strategy of using technology as a recruiting and retention advantage.

But Kortas made it clear this is not the end state.

“This platform is going to keep evolving, and the industry will feel it,” he said.

Given NEXA’s aggressive investment in automation and AI, the company appears intent on setting a new bar for what mortgage professionals should expect from their technology stack.

Why This Matters for the Mortgage Industry

Mortgage origination is under pressure from all sides—rate volatility, operational costs, and rising consumer expectations. AI has been widely discussed as a solution, but most implementations so far have been incremental.

NEXA’s Agenetic AI represents a more systemic approach: AI as infrastructure, not just a feature.

If the platform delivers on its promise—learning in real time, reducing friction, and meaningfully boosting productivity—it could signal a shift in how mortgage brokerages compete in an increasingly crowded market.

For now, NEXA is betting that giving loan officers an “unfair advantage” through deeply embedded AI will be enough to keep its growth curve steep.

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