Palantir-moder Partnership Targets Mortgage Operations With Agentic Ai Platform

Palantir Technologies and mortgage outsourcing firm Moder have formed a strategic partnership to co-build an artificial intelligence (AI)-powered mortgage operations platform, with Freedom Mortgage servicing the first pilot customer, the companies announced Thursday.

The platform combines Palantir’s data and AI infrastructure with Moder’s mortgage operations expertise to automate and standardize key workflows, according to the announcement. It is being deployed initially at Freedom Mortgage, one of the nation’s largest nonbank mortgage lenders and servicers.

How it works

The system is built on Palantir’s Ontology framework, which is designed to sit on top of existing systems of record and unify data across the mortgage lifecycle. The partners said the platform translates investor guidelines and operational policies into configurable, testable and auditable rules that can drive agentic AI — software agents that execute tasks on behalf of human users.

In early use at Freedom Mortgage, the platform is already live on “several key processes,” improving speed and accuracy for servicing and operations staff, the companies said, although they did not disclose specific productivity or cost metrics.

“This strategic partnership will reshape the future of our industry,” said Michael Middleman, chairman of Moder. “Together, we’re building technology that can help improve affordability, lower borrowing costs, and expand access to homeownership for millions of Americans.”

“Combining our deep expertise in the mortgage industry with Palantir’s data and AI capabilities, we’re already seeing measurable results improving the homeownership experience and helping mortgage servicers run more efficiently,” Moder president and CEO Erik Anderson said.

Freedom Mortgage is the first lender to pilot the joint platform. Based in New Jersey, Freedom was the nation’s eighth-largest mortgage lender in 2025, according to Inside Mortgage Finance (IMF). Its origination volume of $55.8 billion last year was up nearly 22% year over year. And Freedom was the sixth-largest primary mortgage servicer in the fourth quarter of 2025, with a $642 billion servicing portfolio, IMF reported.

This week, the indirect parent company of Freedom Mortgage announced an expansion in the servicing arena, agreeing to purchase Seneca Mortgage Servicing LLC from EFJ Capital LP. Under the Freedom umbrella, Seneca is expected to expand its platform and allow outside investors to invest in high-quality mortgage assets.

“Freedom Mortgage is excited about the tremendous impact this strategic partnership between Moder and Palantir will have on the way we operate and the speed and ease by which we service our customers across the nation,” said Mike Patterson, senior executive vice president and chief operating officer at Freedom Mortgage.

Palantir, best known for government and defense data platforms, has been expanding aggressively into financial services and insurance as lenders and servicers look for ways to cut costs and handle more complex regulatory and investor requirements. The partnership with Moder positions its AI infrastructure directly inside mortgage operations, rather than as a standalone analytics layer.

In May 2025, HousingWire reported that Fannie Mae was partnering with Palantir on technology to root out mortgage fraud — an area of focus for Fannie’s regulator, the Federal Housing Finance Agency (FHFA), under Director Bill Pulte.

Fannie Mae said at the time that Palantir’s technology proved highly efficient on a test of four real-life loan files.

“It was a mortgage case, a fraud case where someone had docked the financial statements,” an official explained. “It took our really talented investigators 60 days to detect fraud in two of these files. It took [Palantir’s] technology 10 seconds.”

Reducing manual touch

Mortgage Bankers Association and STRATMOR Group data show servicing costs have remained elevated even as volumes declined from the refi boom, pushing servicers to pursue automation in loss mitigation, escrow management and investor reporting. At the same time, regulators are sharpening scrutiny of servicing performance and consumer outcomes.

Platforms that can codify guidelines and policies into machine-readable rules and then execute them in a controlled, auditable way aim to close that gap by reducing manual touches and error rates while maintaining compliance. For lenders and servicers, the Palantir-Moder effort signals that agentic AI is moving from proof of concept to live production deployments inside large mortgage shops.

For housing professionals evaluating AI investments, the Freedom Mortgage pilot will be a useful test case to watch. It could illustrate how quickly the platform scales from a few key processes to broader operations; which governance controls investors and regulators require; and whether the promised speed and accuracy gains translate into measurable reductions in cost to service and time to resolution for borrowers.

This article was generated using HousingWire Automation and reviewed by a HousingWire editor before publication. The system helps convert company announcements and industry data into HousingWire-style news coverage.