How Ingard is using Olmo to automate compliance, reduce review times and scale across its network The challenge
1 October 2026 · Olmo Admin
Mortgage networks face a structural problem.
As case volumes increase, so does the operational burden around compliance, document checking, case progression and quality assurance.
Traditionally, much of this relies on people remembering what needs to happen next, manually creating tasks, checking documents, updating case statuses and escalating files to compliance teams.
For a network managing dozens of firms, that creates both operational pressure and inconsistency.
Ingard wanted a technology platform that could do more than simply store case information.
It wanted to build its operational and compliance processes directly into the system.
The implementation
Ingard launched on Olmo in November 2025.
In May 2026, the network introduced a dedicated compliance workflow set covering key stages of the mortgage process, including:
- Pre-DIP
- Pre-Application
- Post-Offer
- Buy-to-let
- General Insurance
The workflows automatically generate checks, assess whether required information is present and route cases to compliance where human review is required.
Adoption at network scale
Since launch, Ingard has created 3,128 cases through Olmo.
Monthly case creation has grown from 44 cases in November 2025 to more than 400 cases per month.
The number of firms actively creating cases has grown from six to more than 50, with the Olmo environment covering 73 active brokerage firms and approximately 65 active users per month.
This matters because the results are not based on a limited proof-of-concept or closed pilot.
They reflect real production usage across a live mortgage network.
Around 5,700 automated workflow runs
Since implementation, automated workflows have run around 5,700 times.
Since June, workflow activity has stabilised at around 1,200 runs per month.
These workflows now perform a significant share of the activity that would traditionally rely on manual intervention.
Between June and September, automated workflows were responsible for approximately 35–38% of all case status changes.
99.6% of tasks created automatically
The workflows have created around 19,000 tasks within Ingard’s Olmo environment.
Of those, 99.6% were created automatically.
That removes one of the most basic but persistent sources of administrative effort in a traditional CRM environment: manually creating, assigning and progressing routine tasks.
Half of completed tasks are now closed by AI
Olmo’s AI can assess the evidence attached to each task.
Where the required evidence is already available, the AI can confirm that requirement and close the task without a person needing to intervene.
Approximately 7,230 tasks have already been completed in this way.
That represents around 50% of all completed tasks, rising to 57% during August and September.
This is a fundamental shift in how mortgage software operates.
Rather than simply recording what a broker or compliance officer has done, the software is beginning to perform parts of the process itself.
AI at production scale
AI usage is now embedded into day-to-day case handling.
In September 2026 alone, Olmo carried out:
- 5,282 AI task-check evaluations
- 7,788 document reads
- AI activity across 1,123 cases
- AI-supported work involving 66 users
These figures exclude large volumes of background AI activity such as automatic note summaries and search indexing.
Compliance turnaround falls significantly
One of the clearest operational changes can be seen in compliance turnaround.
Before Ingard’s dedicated workflow suite went live, median compliance review turnaround was 48.5 hours.
Afterwards, it fell to 19.9 hours.
By September 2026, it had reduced further to 15.3 hours.
At the same time, review volumes rose to approximately 450–670 reviews per month.
The data should be interpreted as a trend alongside increasing automation rather than as a claim that workflow automation alone caused every element of the improvement.
What it does demonstrate is that Ingard has been able to handle substantially higher review volumes while reducing median turnaround.
Document administration is being automated too
In September, Olmo generated 749 documents from templates, up from just 20 in November 2025.
Total document volumes have grown to more than 10,000 documents per month.
Olmo has also processed 1,314 fully electronically signed Terms of Business packs, with a median signing time of around one to two hours.
The result
Ingard’s implementation demonstrates what happens when a mortgage CRM evolves from a system of record into an operational platform.
Rather than simply recording information, Olmo is increasingly:
- creating work automatically
- carrying out routine checks
- reading evidence
- closing completed requirements
- updating case statuses
- generating documents
- routing cases to compliance
- identifying where human judgement is still required
For networks, the significance is scalability.
The objective is not to remove people from the process.
It is to make sure skilled people are spending their time on the work that actually requires skill, judgement and advice.
Fraser Hamilton, co-founder of Olmo
“The biggest shift here is that the CRM is no longer simply documenting what happened.“It is actively participating in the process.“Ingard’s data shows what starts to become possible when you build automation and AI directly into the operating model of a mortgage network rather than adding them as isolated tools.”
The wider opportunity for mortgage networks
For mortgage networks, the opportunity extends beyond efficiency.
By embedding processes into technology, networks can create greater consistency across member firms.
The system can automatically initiate the correct process, record what happened and escalate exceptions.
That creates the potential for a more scalable compliance model and greater operational visibility across a network.
Ingard’s experience provides early production evidence of what that model can look like at scale.