Origination
AI that automates every manual workflow
Ten agents, in the order a loan travels. Each one owns a queue you currently staff, runs continuously against your rulebook, and stops at a line you set. They share one live model of the loan, so what one desk learns the next one already knows.
How UMOS™ orchestrates them- 01 Loan Officer Assistant: Answers every lead in seconds and books the LO.
- 02 POS: The borrower’s front door, inside the system.
- 03 Indexing Agent: Every page split, named and filed the moment it lands.
- 04 Document Concierge: Gets the full document set before underwriting asks.
- 05 Income Desk: Rep-and-warrant-eligible income, cited to the page.
- 06 Conditions Manager: Creates conditions against the guide, then clears them.
- 07 Fraud Agent: Every document tested for fabrication before the loan funds.
- 08 TRID & Cure Management: Watches every clock, catches every cure.
- 09 Pre-Close QC Agent: Every file before it funds, not a ten percent sample.
- 10 Compliance Agent: Every loan-officer call scored, none sampled.
origination desks, each with a confidence floor you set and an exception queue you own.
The ten desks
- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.Voice Agents
- 02POSThe borrower’s front door, inside the system.Voice AgentsDocument Intelligence
- 03Indexing AgentEvery page split, named and filed the moment it lands.Document Intelligence
- 04Document ConciergeGets the full document set before underwriting asks.Document IntelligenceVoice Agents
- 05Income DeskRep-and-warrant-eligible income, cited to the page.Document Intelligence
- 06Conditions ManagerCreates conditions against the guide, then clears them.Document Intelligence
- 07Fraud AgentEvery document tested for fabrication before the loan funds.Document Intelligence
- 08TRID & Cure ManagementWatches every clock, catches every cure.Document Intelligence
- 09Pre-Close QC AgentEvery file before it funds, not a ten percent sample.Document Intelligence
- 10Compliance AgentEvery loan-officer call scored, none sampled.Call Monitoring
What they run on
Capabilities powering the UMOS agents.
A day in the life
A file in underwriting, seven conditions open, and nobody at work.
Agents that work 24/7 till goal is achieved. Every hour saved is an hour shaved off in your clear-to-close timeline.
- 11:42pm
A borrower uploads two of the four bank statements the Document Concierge asked for on Tuesday. The Indexing Agent splits and files the pages into the eFolder, and they are read and validated against the Loan Graph in under a minute. One is the wrong account — so the Concierge sends a single message naming the account it still needs and why, and does not ask again for the three it already has.
The two valid statements unblock the Income Desk, parked since Tuesday waiting on asset seasoning. It runs, calculates qualifying income across a W-2 and a K-1, cites each figure to the page it came from, and posts a rep-and-warrant-eligible result.
That clears two of the seven open conditions. The Conditions Manager closes them with citations and re-plans the remaining five.
- 8:30am
The processor opens the file. Two conditions cleared overnight, one document still outstanding with the borrower already chased, and a note naming the one item that needs a human. That item is a large deposit needing sourcing, flagged below confidence, with the three documents that would settle it.
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