2022 HW Vanguard: Thomas Showalter


Candor CEO Thomas Showalter was a rocket scientist and a team member on NASA’s Space Shuttle program before he shifted his laser-like focus to the technology used in home lending. Showalter set out to tackle the most significant and hard-to-solve problem in mortgage manufacturing: modeling an underwriter’s critical thinking. Using his proprietary, patent-pending form of Knowledge Engineering, Candor successfully underwrites a loan to the highest level of integrity with virtually no human assistance. 

Showalter is the architect of the company’s Loan Engineering System and its underlying CogniTech Expert System Technology. Using cutting-edge AI technology, CogniTech thinks through issues and resolves them in real time, just like a seasoned underwriter would. Showalter’s forward-thinking mindset has enabled Candor’s Expert System AI to power the underwriting of more than 1.8 million loans with zero repurchases, delivering quality at an attainable cost.

What has been the secret to your success? 

A willingness to listen. Whether it’s listening to customers about their specific needs or pain points, or to colleagues about their thoughts and ideas, listening to the people around you is something I consider to be the most crucial element to success in any field.


Thomas Showalter



Company Name:

Candor Technology

3d rendering of a row of luxury townhouses along a street

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