MortarBench: Evaluating Mortgage Loan Origination Agents

Loan origination is the process by which a lender creates a new loan, from application and underwriting through approval and funding. This process serves a critical role in evaluating the eligibility and level of risk posed by an applicant. Recently, firms have begun using mortgage loan agents to augment human loan officers, despite a lack of any public benchmark. To fill this gap, we present MortarBench, a loan origination agent benchmark. MortarBench uses a financial data synthesis and mutation pipeline to generate examples with broad edge case coverage that match real-world distributions and questions. We find that state-of-the-art large language models (LLMs) perform poorly, with closed-source models achieving at most 77.1\% exact match accuracy. We also discover systematic biases in LLM perception of foreignness related to non-English names. Noting these weaknesses, we introduce CRIT, a confidence calibration framework. Our method increases accuracy to 80.5\% while improving risk management steering and reducing bias.

EARS: Explanatory Abstention for Reliable Sub-Agent Modeling in Large-scale Multi-Agent Systems

In large-scale enterprise settings, centralized multi-agent systems (MAS) are increasingly adopted, in which a coordinator delegates user requests to lightweight, domain-specialized sub-agents. While this architecture improves modularity, scalability, and cost efficiency, its reliability depends not only on accurate routing but also on sub-agents' ability to calibrate their responses to capability constraints. In particular, sub-agents built on smaller fine-tuned models often struggle with such calibration, leading them to over-answer ambiguous, underspecified, misrouted, or unsupported requests and produce hallucinated outputs instead of actionable feedback. To address this challenge, we present EARS (Explanatory Abstention for Reliable Sub-Agent Modeling), a production-oriented framework that reframes sub-agent abstention as an inter-agent communication protocol: a sub-agent does not merely abstain, but exposes an actionable failure state to the coordinator. EARS curates human-agent interaction data using an ensemble of calibrated LLM-as-a-Judge models, producing structured abstention labels and rationales under a taxonomy of sub-agent failure modes. These data are used to fine-tune sub-agents to detect failure conditions and return rationales for coordinator-level clarification, rerouting, or fallback. We evaluate EARS in a large-scale production e-commerce assistant supporting enterprise business intelligence workflows. EARS improves the overall response pass rate from 68.5% to 78.9%, demonstrating that sub-agent-side explanatory abstention improves MAS reliability.

VISTA: A Versatile Interactive User Simulation Toolkit for Agent Evaluation

Evaluation remains a critical bottleneck for interactive agent development. Existing evaluation methods often rely on static benchmarks, which fail to capture the dynamic, multi-step nature of agentic behavior and struggle to expose meaningful failure modes. While user-simulation-based evaluation offers a promising alternative, existing simulation frameworks suffer from two major limitations. First, they provide limited mechanisms for evaluating the quality and comprehensiveness of simulated interactions, making it difficult to assess whether a simulator sufficiently explores an agent's capabilities and failure modes. Second, most frameworks are restricted to either UI-only actions or API-only actions, limiting their ability to model the full range of realistic user behaviors. To address these limitations, we propose VISTA, a Versatile Interactive user Simulation Toolkit for Agent evaluation. Our toolkit includes a suite of six metrics for measuring the realism, capability coverage, and interaction effectiveness of simulated interactions. In addition, we develop a hybrid user simulator that integrates both UI-based interactions and API-based interactions, enabling more realistic and comprehensive evaluation across diverse interactive environments. We evaluate VISTA in e-commerce shopping and education customer service settings and demonstrate that it produces more realistic and comprehensive evaluations than existing methods.

Speculative Actions: A Lossless Framework for Faster Agentic Systems

Despite growing interest in AI agents across industry and academia, their execution in an environment is often slow, hampering training, evaluation, and deployment. For example, a game of chess between two state-of-the-art agents may take hours. A critical bottleneck is that agent behavior unfolds sequentially: each action requires an API call, and these calls can be time-consuming. Inspired by speculative execution in microprocessors and speculative decoding in LLM inference, we propose speculative actions, a lossless framework for general agentic systems that predicts likely actions using faster models, enabling multiple steps to be executed in parallel. We evaluate this framework across three agentic environments: gaming, e-commerce, web search, and a "lossy" extension for an operating systems environment. In all cases, speculative actions achieve substantial accuracy in next-action prediction (up to 55%), translating into significant reductions in end-to-end latency. Moreover, performance can be further improved through stronger guessing models, top-K action prediction, multi-step speculation, and uncertainty-aware optimization, opening a promising path toward deploying low-latency agentic systems in the real world.

LocalRQA: From Generating Data to Locally Training, Testing, and Deploying Retrieval-Augmented QA Systems

Retrieval-augmented question-answering systems combine retrieval techniques with large language models to provide answers that are more accurate and informative. Many existing toolkits allow users to quickly build such systems using off-the-shelf models, but they fall short in supporting researchers and developers to customize the model training, testing, and deployment process. We propose LocalRQA, an open-source toolkit that features a wide selection of model training algorithms, evaluation methods, and deployment tools curated from the latest research. As a showcase, we build QA systems using online documentation obtained from Databricks and Faire's websites. We find 7B-models trained and deployed using LocalRQA reach a similar performance compared to using OpenAI's text-ada-002 and GPT-4-turbo.

Mixture of Soft Prompts for Controllable Data Generation

Large language models (LLMs) effectively generate fluent text when the target output follows natural language patterns. However, structured prediction tasks confine the output format to a limited ontology, causing even very large models to struggle since they were never trained with such restrictions in mind. The difficulty of using LLMs for direct prediction is exacerbated in few-shot learning scenarios, which commonly arise due to domain shift and resource limitations. We flip the problem on its head by leveraging the LLM as a tool for data augmentation rather than direct prediction. Our proposed Mixture of Soft Prompts (MSP) serves as a parameter-efficient procedure for generating data in a controlled manner. Denoising mechanisms are further applied to improve the quality of synthesized data. Automatic metrics show our method is capable of producing diverse and natural text, while preserving label semantics. Moreover, MSP achieves state-of-the-art results on three benchmarks when compared against strong baselines. Our method offers an alternate data-centric approach for applying LLMs to complex prediction tasks.