Gateless Secures First Platinum AI Certification from AZP

The certification framework relies on decades of historical mortgage risk data and claims management experience, moving beyond standard tech audits to address real-world financial accountability. By achieving the highest of AZP’s four certification levels, Gateless demonstrated robust governance and auditability, bolstered by a record of 230,000 processed loans without a single claim. This independent validation aims to ease institutional concerns regarding the integration of automated systems into loan manufacturing.

AZP’s approach provides qualifying lenders with access to insurance policies through Lloyd’s of London, underwritten by Munich Re. This coverage specifically addresses potential repurchase losses, a critical factor for firms scaling their use of artificial intelligence. According to Phil Shoemaker, CEO of The Loan Store, this third-party oversight delivers the necessary discipline for lenders to adopt automation at scale, ensuring that efficiency gains do not come at the expense of operational control or financial stability.