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For loan officers

Will AI replace loan officers at Fairway?

Answered by Holly Mattson, President of Recruiting · Updated

Holly Mattson President of Recruiting, Fairway

No. Fairway's position is explicit: AI is built to augment the originator, never to replace one. Navigator, the company's AI layer, handles the hours — documents, reporting, follow-up, intelligence — so you spend yours on relationships and closings. Loan officers with AI will replace loan officers without it; that is the whole bet.

Every originator is quietly asking this, and most companies answer it with a shrug. Fairway answers it on purpose.

The stated position. AI won’t replace loan officers — loan officers with AI will replace loan officers without it. That is in the company’s own language, and the AI layer was built to that spec.

What that looks like in practice. Navigator takes the work that was never really your job: reading documents, building reports, drafting content, keeping a database warm, running intelligence on your market. What is left is the part only you can do — the conversation with the borrower and the agent.

The formula we use. Your expertise + AI leverage = more closings, same you. Nothing about you is being replaced; your hours are being multiplied.

Why Fairway can say this credibly. The company is employee-owned. The people deciding how AI is deployed are the same people whose livelihoods depend on originators succeeding. That is a very different incentive than a platform optimizing to cut headcount.

Want to see what “augmented” actually looks like on a Tuesday? Ask me and I will show you Navigator inside.

Still have a version of this question that's specific to you? Ask it. Holly answers personally, confidentially, usually the same day.

Email HollyDM @holly_mattson_fairway

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Loan officersDoes Fairway use AI?Yes. Fairway has partnerships with both Anthropic (Claude) and OpenAI (GPT), and built Navigator — its own proprietary AI layer — on top of them. Navigator runs in originators' hands today for pre-approval speed, document analysis, branded reporting, competitive intelligence, and content in your voice. The rule: AI augments the loan officer; it never replaces one.Read Holly's answer →Loan officersWhat technology does Fairway give loan officers?A five-system stack: your own launch-ready personal website, Navigator (Fairway's proprietary AI layer built on partnerships with Anthropic and OpenAI), Total Expert CRM with automated journeys and an AI sales assistant, branded reporting that generates polished proposals in minutes, and business intelligence on your market, partners, and pipeline.Read Holly's answer →Loan officersDoes Fairway provide leads to loan officers?Yes — FairwayLeads. More than 70,000 exclusive leads are generated annually, each assigned to one LO (never pooled or resold), worked by an in-house team before they reach you, and scheduled as appointments on your calendar. The program has set 15,754 appointments with a 74% response rate, and 75% of leads are not yet working with an agent.Read Holly's answer →

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