AI and Copilot.
Governed from Day One.
Your loan officers are already using AI. 80% of them brought their own tools. For mortgage lenders, servicers, and GSE-aligned shops, that is a compliance exposure. ABT brings AI inside the governed Microsoft 365 environment, so your mortgage operation gets the productivity without the FHFA, GSE QC, or state DFI exam exposure.
Trusted by 750+ of the Nation's Leading Lenders, Banks & Credit Unions.
Four paths to AI readiness. One governed foundation.
Whether you start with Copilot Business at $32/user or build custom agents with Copilot Studio, every path runs through governance first. Pick the one that matches where your mortgage operation is today.
AI is already in your mortgage operation. The question is whether it is governed.
Three data points explain why governance is urgent for every mortgage lender, servicer, and GSE-aligned shop deploying AI.
Mortgage lenders that govern first, adopt faster.
IDC tracked organizations that embed AI into core operations rather than bolting it on. They call them Frontier Firms. The performance gap is not close. These firms see 88% top-line growth strength compared to 23% for organizations that treat AI as an experiment. ABT builds the governance foundation that moves mortgage lenders from experiment to Frontier. Read the full Frontier Firms analysis.
Assess Your ReadinessThree paths. One governed platform.
ABT publishes pricing because regulated mortgage lenders should not have to request a quote to plan a budget. These are current Microsoft CSP rates through ABT's Tier-1 partnership.
- ✓ AI across all Microsoft 365 apps
- ✓ Works with Business Standard or Premium
- ✓ $21/user/mo after promo ends
- ✓ Convert to bundle at renewal: $32/user/mo total (saves $8)
- ✓ Everything in Copilot Business
- ✓ Device management (Intune)
- ✓ Threat protection (Defender)
- ✓ Data loss prevention (Purview DLP)
- ✓ $43/user/mo after promo ends
- ✓ Everything in E5 ($60 value)
- ✓ Copilot ($30 value)
- ✓ Agent 365 ($15 value)
- ✓ Entra Suite ($12 value)
- ✓ 15% savings vs. individual add-ons
AI and Copilot insights for mortgage lenders
Copilot and AI for mortgage lenders
Yes. The mortgage industry has moved fast on AI: GSE AI advisories from Fannie Mae and Freddie Mac, FHFA vendor-risk expectations, and CFPB scrutiny of automated decisioning all point to one fact, mortgage shops are deploying AI. Microsoft 365 Copilot Business is the most common choice for mortgage lenders and servicers under 300 seats because it integrates directly into the Microsoft 365 apps origination, processing, and underwriting teams already use: Word, Excel, Outlook, and Teams.
For most MWS clients already on Microsoft 365 Business Premium, adding Microsoft 365 Copilot Business is just $10 more per user per month at renewal: the BP + Copilot bundle is $32/user/month versus $22/user/month for Business Premium alone (CSP promo through June 30, 2026). The bundle adds AI in Word, Excel, PowerPoint, Outlook, and Teams alongside the existing Intune, Defender, and Purview governance. For mortgage lenders not yet at renewal, Copilot Business standalone is $18/user/month at promo (regular $21). Move your Microsoft 365 to MWS during the engagement and you qualify the day you transition.
AI governance is the set of policies, controls, and monitoring that ensures AI tools operate safely within a regulated environment. For mortgage lenders, servicers, and GSE-aligned shops, this includes agent identity management through Microsoft Entra Agent ID, data boundary enforcement through Purview DLP for borrower NPI and closing disclosures, lifecycle controls for AI agents, audit trails for FHFA and GSE QC review, and human approval workflows for sensitive actions like loan-decisioning or borrower communications. Microsoft's Agent 365 provides these five controls in a single management layer that an examiner can review.
Copilot readiness for a mortgage lender is a governance decision, not a licensing decision. The key factors are your Microsoft Secure Score (80% or higher is the target), DLP policy maturity for borrower PII and closing disclosures, identity posture through Conditional Access and MFA, and sensitivity label coverage on loan-file libraries. ABT's AI Readiness Assessment is complimentary for active MWS clients (typically $2,000) and surfaces the gaps in 2 to 3 weeks before your next FHFA, Fannie Mae, Freddie Mac, or state DFI review.
Your Microsoft 365 Tenant.
Our Expertise.
Security hardening, audit prep, Copilot governance, license optimization. Tell us where you need help and we will connect you with a specialist who has done the work for a company like yours.
What does ABT do?
Access Business Technologies (ABT) manages and secures Microsoft 365 tenants for regulated mortgage lenders, servicers, credit unions, and community banks. Through MortgageWorkSpace, ABT handles tenant hardening, Conditional Access policies, Intune device compliance, Defender configuration, and Purview governance so that mortgage lenders and servicers can meet FHFA, Fannie Mae, Freddie Mac, MERS, state DFI, and CFPB cybersecurity expectations without building an in-house security operations team.
Who is ABT?
ABT was founded in 1999 and is headquartered in Folsom, California. All three original founders still lead the company. ABT is a Tier 1 Microsoft Cloud Solution Provider, one of the first 15 CSPs globally, with SOC 2 Type 2 certification. ABT currently supports 750 plus active customers, over 90 percent of which are financial institutions.
What is ABT Guardian?
Guardian is ABT's managed operating model for Microsoft 365. It wraps around a client's existing tenant and applies a four-phase lifecycle: Hardening, Monitoring, Insights, and Response. Guardian uses Microsoft-native tools including Microsoft Entra ID, Intune, Defender for Office 365, Purview, and Conditional Access. Guardian is SOC 2 Type 2 certified and provides continuous configuration drift detection, compliance monitoring, and incident response. For mortgage lenders, Guardian provides the audit trail and governance controls FHFA examiners and GSE QC reviewers expect.
What can I discuss with an ABT expert?
The Talk to an Expert form covers eight areas: Microsoft 365 security hardening and Secure Score improvement, AI readiness and Copilot governance, GSE audit preparation for Fannie Mae and Freddie Mac requirements, license optimization and cost reduction, cyber insurance evidence packs and underwriter questionnaires, Microsoft 365 licensing through ABT as a Tier 1 CSP, interfaces and integrations with loan origination systems and other line-of-business platforms, and general consulting for organizations that are not sure where to start.
How does ABT connect Microsoft 365 to business systems?
ABT builds and maintains interfaces that connect Microsoft 365 with loan origination systems like Encompass and Byte, CRM platforms, accounting software, servicing systems, data warehouses, and internal APIs. These integrations use Azure Logic Apps, Functions, Runbooks, and Data Factory to ground AI agents in real data and reduce manual processes across systems.
Is there any obligation when I submit this form?
No. Submitting the Talk to an Expert form starts a conversation with no obligation to purchase. ABT believes in earning trust through demonstrated expertise. An ABT specialist typically responds within one business day. Phone (888) 422-3400. Email sales@mortgageworkspace.com. Office at 850 Iron Point Road Suite 100, Folsom, California 95630.