2021 Tech Trendsetter: Tom Showalter


Candor CEO Tom Showalter has taken his expertise as a rocket scientist to the mortgage space and has spent the last 30 years solving complex problems with industry giants, revolutionizing fintech. Showalter is the architect of the company’s patent-pending Loan Engineering System and its underlying CogniTech Expert System Technology. His technology addresses the most hard-to-solve problem in mortgage manufacturing: modeling an underwriter’s critical thinking. Using this proprietary, patent-pending form of knowledge engineering, Candor successfully underwrites a loan to the highest level of integrity with virtually no human assistance. 

Candor’s patent-pending Loan Engineering System is an Expert System that is predicated upon that very AI technology known as knowledge engineering technology, which Candor has trademarked as CogniTech. In the last 12 months, under Showalter’s direction, Candor has completed over 1 million hands-off, autonomous underwrites and that’s just the beginning.


Tom Showalter



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

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