TD Bank Group launched its first agentic AI model to automate mortgage and Home Equity Line of Credit (HELOC) applications. This deployment initiates an end-to-end transformation of the bank’s Real Estate Secured Lending (RESL) operations.
Layer 6, TD’s AI research and development center, developed the system using autonomous agents to complete complex tasks. The technology automates the pre-adjudication process by generating application summary memos for underwriters. This task now requires minutes rather than hours to complete.
The launch integrates machine intelligence with human expertise to streamline banking experiences. TD is scaling this next-generation AI across core business lines to improve operational efficiency.