FintechLoan Origination Tech

Capacity’s David Karandish on taking the friction out of lending

Today’s HousingWire Daily episode features an interview with David Karandish, the founder and Chief Executive Officer of Capacity, an AI-based support automation platform. In this interview, he discusses the use of technology in the mortgage industry and how innovation is benefiting borrowers and lenders.

Here is a small preview of the interview, which has been lightly edited for length and clarity:

Alcynna Lloyd: How have you seen technology impact the lending process over the years? 

David Karandish: When you think about the history of technology, you have a series of steps where we continue to abstract away from the underlying data. As an example, originally, my dad was an electrical engineer and while growing up he worked literally with zeros and ones. Eventually there were assembly languages, higher order languages and then JavaScript and HTML. In the tech space, we’re now at a point where organizations expect non developers to be able to automate things that can either write and develop low code environments or have no code environments. This helps automate what’s happening in the workplace, and I think it’s a trend that underlies a lot of what we do. Secondly, you’ve got a trend around the migration of everything to the cloud, starting with the iOS, but also anything from your onboarding and training platforms to how you handle your overlays and your guide. So, you’ve got one market trend of abstracting away from code, another market trend of moving to the cloud. I think those have collided together at the mortgage industry at the perfect time.

HousingWire Daily examines the most compelling articles reported across HW Media. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsrooms that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Elissa Branch. If you have a pitch or an inquiry relating to podcasts, you can reach our team at

Below is the transcription of the interview. These transcriptions, powered by Speechpad, have been lightly edited and may contain small errors from reproduction:

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    HousingWire Daily

    Hosted by the journalists behind the headlines, HousingWire Daily examines the most compelling mortgage, real estate, and fintech articles reported from the HousingWire newsroom.

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