CEO View: The 2026 Vision of Mortgage Tech in QC Innovation

In this Q&A-style interview, Alok Datta, Founder and CEO of Alchemist Solutions, shares his insights into the current state of mortgage origination, document automation, and quality control (QC).

How would you characterize the current state of mortgage origination technology—especially in quality control and document management?

The mortgage sector is undergoing a profound transformation. Automation, AI‑powered intelligent document processing (IDP), and blockchain-based record‑keeping are reshaping origination workflows. Manual document reviews are rapidly being replaced with OCR and AI / ML-based systems that classify, validate, and analyze documents in real-time.

According to a 2024 MetaSource QC findings report, underwriting-related defects— especially income/ employment and asset verifications — have overtaken closing disclosures as the most frequent issues in origination quality control.

That signals a systemic need for upstream data validation, and that’s exactly where our technology stack delivers. I believe that we shall see rapid adoption over the next 12-18 months.

What future trends should lenders be preparing for in the QC space?

Lenders must prepare for AI-driven QC engines that proactively detect and correct defects early in the process, especially in underwriting categories where error rates have increased by over 17% year-over-year.

Systemic need for upstream data validation. Leverage analytics coming out of digital solutions to reduce QC requirements. Moving towards document ingestion, doc to data conversion, intelligent versioning, and real‑time QC feedback.

Remote, digitized QC audits are becoming more viable, offering faster compliance responses with lower operational overhead. Lenders should also leverage the analytics coming out of the digital solutions and address the upstream issues to reduce the QC requirements over a period of time. 

With evolving GSE requirements, lenders are moving toward integrated platforms with real-time dashboards, e‑signatures, and predictive LOS integrations.

How does your team position itself to help lenders capitalize on these shifts?  

Our core platform brings together document ingestion, doc to data conversion, intelligent versioning, and real‑time QC feedback. From extracting borrower data to running automated defect scoring, our stack transforms origination from a reactive to a proactive discipline. This enables lenders to catch and resolve issues before they impact audit or compliance performance.

What is the biggest competitive advantage of this approach? 

The most significant advantage is our ability to move QC upstream — detecting potential issues during origination instead of discovering them post-close. Clients using our platform have reduced average processing times by 40% and improved pull through and better QC pass rates s, building both investor confidence and operational resilience. 

For more information about solutions offered by Alchemist, explore their website.

Contact the Founder & CEO at Alchemist Solutions, Alok Datta, at alok.datta@alchemistsolutions.io