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It runs the manual middle
Document follow-up, conditions, income, TRID timing and cures, pre-close QC, boarding validation, escrow, loss mitigation, claims. The steps that sit in someone’s queue today.
UMOS™UMOS™ — the Unified Mortgage Orchestration System
AI Agents for every loan workflow.
Super Intelligence across the loan lifecycle. Faster clear-to-close, lesser overhead, stay on top of compliance. That’s all UMOS does for you.
LeadFunded
- Loan Officer AssistantAnswers every lead in seconds and books the LO
- POSThe borrower’s front door, inside the system
- Document ConciergeGets the full document set before underwriting asks
- Income DeskRep-and-warrant-eligible income, cited to the page
- Conditions ManagerCreates conditions against the guide, then clears them
- TRID & Cure ManagementWatches every clock, catches every cure
- Pre-Close QC AgentEvery file before it funds, not a ten percent sample
- Compliance AgentEvery loan-officer call scored, none sampled
Desks on this loan0 / 8
LeadFunded
- Loan Officer AssistantAnswers every lead in seconds and books the LO
- POSThe borrower’s front door, inside the system
- Document ConciergeGets the full document set before underwriting asks
- Income DeskRep-and-warrant-eligible income, cited to the page
- Conditions ManagerCreates conditions against the guide, then clears them
- TRID & Cure ManagementWatches every clock, catches every cure
- Pre-Close QC AgentEvery file before it funds, not a ten percent sample
- Compliance AgentEvery loan-officer call scored, none sampled
Desks on this loan0 / 8
- Pre-Close QC Agent4h 50m → 47mloan QC per fileBetter Mortgage — read the case study
- Compliance Agent1,000+calls audited a month, none sampledBetter Mortgage — read the case study
- Loan Officer Assistant9.2×more appointments bookedTop-25 California IMB — read the case study
Trusted by mortgage lenders and servicers
Welcome to the Machine
UMOS is a unified orchestration system for AI agents, for your entire loan lifecycle
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Full auditability at its core
UMOS writes into your LOS. No change management. All decisions logged with traces and available for examination.
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Goal-driven AI
An agent holds a goal and works it — overnight, over a weekend, for as long as the loan takes. Below its confidence floor it asks for Human-in-the-Loop.
Come Together
Sixteen desks, across origination & servicing, one unified platform
Each desk owns a queue your staff handles today. Information is collected earlier, passed between desks as the loan moves, and checked every time against one version-controlled rulebook.
For Lenders
Eight desks · OriginationIn the order a loan travels.
- 01Loan Officer AssistantAnswers every lead in seconds and books the LO
- 02POSThe borrower’s front door, inside the system
- 03Document ConciergeGets the full document set before underwriting asks
- 04Income DeskRep-and-warrant-eligible income, cited to the page
- 05Conditions ManagerCreates conditions against the guide, then clears them
- 06TRID & Cure ManagementWatches every clock, catches every cure
- 07Pre-Close QC AgentEvery file before it funds, not a ten percent sample
- 08Compliance AgentEvery loan-officer call scored, none sampled
For Servicers
Eight desks · ServicingIn the order a loan is serviced.
- 01Loan Boarding AgentCatches boarding defects before the first statement
- 02Escrow ManagerAnalysis, shortages, and the explanation that is borrower-friendly
- 03Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA
- 04Default Management DeskSixty days and beyond, with the timelines held
- 05Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock
- 06Claims AnalystThe claim package, read and reconciled for review
- 07Payoffs ManagerQuotes, good-through dates and the release clock
- 08Compliance ManagerEvery servicing call and letter scored
No More Tears
The work that happened while nobody was at work.
Origination01
A file in underwriting. Seven conditions open. Nobody at work.
- 11:42pm
The borrower uploads two bank statements
Classified, read and checked against the loan model in under a minute.
- 11:43pm
The Income Desk unblocks and runs
Qualifying income across a W-2 and a K-1, every figure cited to its page.
- 11:44pm
Two conditions close, five are re-planned
Pre-underwriting checks done. Borrower follow-ups initiated.
- 8:30am
The processor opens a file with human-in-the-loop escalation
A large deposit, flagged below confidence, with the three documents that would settle it. The processor asks the borrower for a letter of explanation.
Servicing02
A transfer of 1,900 loans boards on a Friday night.
- Fri 9pm
Every loan checked against the file behind it
Note terms, escrow position, payment history, rate and index.
- Fri 9pm
Forty-one loans quarantined, not corrected
One mapping defect on the escrow cushion — so it is not random, it is every loan the defect touches.
- Mon 8am
One ticket, flagged for human review
The rest boarded clean, before the first statement cycle.
I’m a Believer
Don’t Believe the Hype?
Walk this way for the results lenders like you are seeing.
Better Mortgage · QC
Better Mortgage cuts loan review from 4 hours 50 minutes to 47 minutes
Better Mortgage — the NASDAQ-listed digital lender — automates 92% of QC and closes a full review cycle in under an hour with Sei.
Document Intelligence
4h 50m → 47mloan review time
92%of conditions checks automated
78%items auto-cleared
Top-25 California IMB
A top-25 California IMB books 9.2× more appointments
A top-25 independent mortgage bank headquartered in California puts Sei voice agents on inbound and outbound — 9.2× more appointments booked and 12% more leads converted.
Voice Agents
9.2×more appointments set on average
+12%lift in lead conversion
24/7inbound coverage
Security
Your loan data stays in a sandboxed environment. Full encryption and audit logs.
SOC 2 Type II and PCI DSS Level 1. Your data is not used to train models.
How your data is handled
A Sky Full Of Stars
Watch our AI agents in action
See each product on a real loan file — document intake and QC, compliant borrower calls, and call scoring. Pick a demo below to watch.
Document Intelligence
Underwriting & QC
Automate document intake, validation, underwriting, and QC workflows with AI that understands your loan files.
Voice Agents
Compliant Conversations
See how Sei handles inbound and outbound calls with natural, human-like, compliant voice AI.
Call Monitoring
Scorecards & complaint tracking
Score every call, email and chat against your SOPs and the regs, with the violating moment cited. Nothing sampled.
Runs inside the stack you already have
Sits above your loan origination system
And connects to your CRM and telephony
Nothing Else Matters
FAQs
What regulations are Sei’s AI agents trained on?
Our agents are trained on FDCPA, TCPA, TILA, UDAAP, RESPA, TRID, ECOA, Fair Housing Act, and HMDA. For document intelligence, we work against the Fannie Mae Selling Guide, Freddie Mac, and FHA Handbook 4000.1. We can also ingest your internal policies and investor overlays.
How securely is borrower data handled?
We deploy within private VPCs with sandboxed environments per customer. We are PCI DSS L1 and SOC2 Type II certified with regular penetration testing. We never train on your data nor send your data to the labs who are now “pacing the frontier”.
How is Sei different from other mortgage AI platforms?
Most mortgage AI automates one step — the borrower application, or pre-underwriting review. UMOS runs the loan end to end: borrower qualification, upfront document procurement and follow-ups, and income and condition clearing. Then Closing Disclosure automation, post-close QC, and 100% call monitoring. Every decision is confidence-scored and cited to its source document.
What is UMOS?
The Unified Mortgage Orchestration System — the platform the AI agents run inside. Every desk reads and writes the same live model of the loan, reasons against the same version-controlled rulebook, and runs continuously rather than waiting in a queue. There are eight desks on the origination side and eight on the servicing side.
Does Sei integrate with my LOS and contact center?
Yes. Sei sits above the LOS you already run rather than replacing it — ICE Encompass, Calyx and MeridianLink among them — and writes results back. For borrower conversations we connect to your CRM and telephony stack, including Salesforce, Genesys, RingCentral and Twilio. Custom integrations are supported during onboarding.
How long does it take to deploy?
Most lenders are live within weeks, not months. We handle onboarding, policy ingestion, and integration setup with a dedicated account manager and direct access to the founders at all times.
Can Sei incorporate my company’s overlays and SOPs?
Sei is built for it. Bring your own investor overlays, underwriting guidelines, servicing policies, and SOPs. Our agents reason against them alongside the agency handbooks, and every decision cites the rule it was made against.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study