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Origination

AI that automates every manual workflow

Eight 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

8

origination desks, each with a confidence floor you set and an exception queue you own.

The eight desks

The servicing side
  1. 01Loan Officer AssistantAnswers every lead in seconds and books the LO.Voice Agents
  2. 02POSThe borrower’s front door, inside the system.Voice Agents · Document Intelligence
  3. 03Document ConciergeGets the full document set before underwriting asks.Document Intelligence · Voice Agents
  4. 04Income DeskRep-and-warrant-eligible income, cited to the page.Document Intelligence
  5. 05Conditions ManagerCreates conditions against the guide, then clears them.Document Intelligence
  6. 06TRID & Cure ManagementWatches every clock, catches every cure.Document Intelligence
  7. 07Pre-Close QC AgentEvery file before it funds, not a ten percent sample.Document Intelligence
  8. 08Compliance AgentEvery loan-officer call scored, none sampled.Call Monitoring

What they run on

Capabilities powering the UMOS agents.

Voice AgentsBorrower calls from the first web lead through servicing and payoff3 of the eight desksDocument IntelligenceIntake, income, condition clearing, Closing Disclosure and QC on every loan6 of the eight desksCall MonitoringEvery call, email and chat scored against your SOPs and the regulations1 of the eight desks

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.

  1. 11:42pm

    A borrower uploads two of the four bank statements the Document Concierge asked for on Tuesday. The pages are classified, 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.

  2. ·

    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.

  3. ·

    That clears two of the seven open conditions. The Conditions Manager closes them with citations and re-plans the remaining five.

  4. 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

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