The Short Answer
Choose Aila if you want agents that start from your borrower calls and do the work (building the file in ARIVE or LendingPad, staging needs, drafting borrower emails for your approval, and prepping the file for underwriting) with public pricing from $50/user/mo. Choose Addy AI if you mainly want a document and underwriting review tool, especially on Encompass.
Review tools tell you what's wrong. Agents fix it. That's the simplest way to see the difference between Addy AI and Aila.
Both use AI on the mortgage file. They start in different places and stop in different places.
Who each one is for
Aila is built for broker owners and their teams who take applications on the phone and want the file built, updated, and cleaned up without clicking through the LOS.
Addy AI is built around document review, income and asset analysis, guideline questions, and pre-underwriting checks, with strong coverage on Encompass.
Side-by-side
| Aila | Addy AI | |
|---|---|---|
| Starts from | The borrower call (plus docs, email, and text) | Documents in the file |
| Writes to the LOS | Yes: builds and updates the file in ARIVE and LendingPad, with your approval | Doesn't advertise LOS write-back for ARIVE |
| Call scoring and compliance | Compliance Agent scores every call (DNC, disclosures, rate quoting) | Doesn't advertise call scoring |
| Phone integrations | 12 dialers, iPhone/Android, Zoom/Teams/Meet bots; keep your number | Doesn't list phone integrations |
| How it connects to your LOS | Direct integration with ARIVE and LendingPad; no browser extension to install | Chrome extension plus LOS integrations (e.g. Encompass) |
| Pricing | Public: $50/user/mo Basic, $200/user/mo Enterprise, month-to-month | Not public (demo required) |
| Trial | 7-day free trial | Not advertised |
| Languages | 100+ languages, including Spanish and Portuguese | Not advertised |
Where Aila wins
- The call is the application: the file, needs list, CRM notes, and follow-ups are done at hang-up.
- Agents run on events (a call ending, a document arriving, a stage change), not a button you have to press on each loan.
- Needs get staged and borrower emails get drafted in your voice for you to approve, then send.
- Every agent change shows the before value, the after value, and the evidence, and can be undone.
Where Addy AI is stronger
- Encompass and MeridianLink coverage.
- Deeper underwriting and guideline tools, with published metrics.
- A completed SOC 2 Type 2 audit, per Addy AI (Aila's Type 2 audit is in progress with Sentry Assurance).
How to switch
Start a 7-day free trial of Basic and connect your phone and LOS. Your next call builds the file. For Enterprise (teams of 10+ LOs), request setup: one 1-hour call with a founder, and you're running within a business day.
Frequently Asked Questions
Is Aila an Addy AI alternative?
Yes, for teams that want agents to do the work from the borrower call onward. Teams that mainly want document and underwriting review, especially on Encompass, may prefer Addy AI.
Does Aila work with ARIVE?
Yes. Aila builds and updates loan files directly in ARIVE, and in LendingPad, with no browser extension to install.
Sources & References
You make the discovery call. Aila handles the rest.
Start a 7-day free trial, from $50/user/mo.
Keep Reading
What are AI agents for mortgage?
How AI agents actually work, how software engineers already delegate to them, and what that looks like on a mortgage file: triggers on hang-up and inbound docs, file work in the background, and approvals when a person needs to decide.
What is an AI loan officer assistant?
An AI loan officer assistant listens to the borrower conversation, then takes file work: a MISMO 3.4 1003 on hang-up, a living borrower record, doc collection, and document analysis.