Mortgage lenders have been burdened by legacy systems, manual workflows and high origination costs, while Vesta puts people and AI agents in the same system to automate work from application through funding with an audit trail. The bet is gaining traction: lenders on or moving to Vesta originate more than $100 billion annually, Pennymac reported a 25% reduction in operational cost to originate and roughly 50% efficiency gains before activating AI agents, and Vesta has raised $85 million to expand the product and market.