About
Why Vicario exists.
Nicholas Duffus
Founder, Vicario Intelligence
LinkedInI was researching what it would take to get my mortgage license when I started spending time in the Facebook groups where loan officers talk through live deals. The same question came up constantly: who can do this? DSCR at 0.75, employment gap, non-warrantable condo. LOs were burning hours on the phone with AEs and posting cold into groups while borrowers waited. The same feeds were flooded with competing LOs advertising for the same clients.
It was clear the problem wasn't a shortage of originators. It was a shortage of answers. I stopped pursuing the license and started building Aria instead. If I could put an experienced underwriter's routing knowledge into every LO's pocket, it would reach far more borrowers than I could ever serve originating loans myself.
What Aria does
Aria is a mortgage scenario AI trained on Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines, all 50-state down payment assistance programs, and lender-specific overlays for 200+ wholesale and non-QM lenders. Describe a borrower situation in plain language. Aria returns which agency rules apply, which programs the borrower qualifies for, and which lenders to call, with the source citation attached.
The platform also reads your pipeline: each morning, Aria surfaces which deals need your attention today, rate locks expiring, files going stale, competitor inquiries, so you start every day knowing exactly where to focus.
Try Aria on a real file.
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