For LendersCompliance Agent
Compliance Agent
Scores every loan-officer call against TILA, RESPA, TRID, ECOA, Fair Housing and UDAAP, with no sampling.
Every call, email and chat scored against TILA, RESPA, TRID and UDAAP — with the violating moment cited to its timestamp.
Every call, email and chat scored against TILA, RESPA, TRID and UDAAP — with the violating moment cited to its timestamp.
What it displaces
What it does
- 01
Scores every loan-officer call, email and chat — origination conduct, so TILA, RESPA, TRID, ECOA, Fair Housing and UDAAP
- 02
Cites the violating moment to its timestamp rather than describing it
- 03
Keeps a scorecard per originator, so coaching is about a specific call
- 04
Trends complaints from the CFPB Consumer Response portal, customer communications and the public channels, so a pattern surfaces before an examiner finds it
What it leaves behind
- State license disclosedpass00:06
- APR quoted alongside the ratepass02:41 · §1026.24
- Product steered on an assumption about the borrowerreview07:12 · ECOA
- Fees described as estimatespass09:30 · UDAAP
Human-in-the-loop
No guesswork. Exceptions routed to humans
It scores and evidences; it does not discipline. A finding goes to your compliance lead with the recording, the timestamp and the rule.
Proof
Better Mortgage moves away from sampled and manual audits of loan officer calls
Better Mortgage retires manual spot-checks on loan officer calls and clears its audit backlog with Sei.
- 1,000+
- calls audited per month
- 4×
- analyst productivity
- 0%
- Sampling & Manual review rate
What it runs on
1 of 3Every call, email and chat scored against your SOPs and the regulations
- Scorecards
- Complaint Watch
The rest of the origination side
All 8 origination desks- 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 AgentUpstreamEvery file before it funds, not a ten percent sample.
You Ain't Seen Nothin' Yet
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from