POS
Runs application intake, status and secure upload — asking for what the file actually needs, and not stopping until the borrower is converted.
UMOS AI-native POS asks what the loan type and the borrower profile actually require and guides the borrower at every step.
What it displaces
Static point-of-sale solution that doesn’t guide the borrower toward completion.
A front door that asks for what this file actually needs, because it already knows what underwriting will want.
What it does
- 01
Takes the application, and asks the questions this loan type and this borrower profile actually require
- 02
Requests the document set the file will need upfront, rather than a few days later
- 03
Accepts uploads in whatever shape the borrower has them — photos of a paystub included
- 04
Updates the borrower with a real-time status, because it reads the same loan model underwriting does
What it leaves behind
- Employment historycompleteapp §4
- Assets — two accounts linkedcompleteapp §5
- REO schedule — second property foundneededcredit report p.2
- eSign consentcompleteapp §1
Asked because the file needs it, not because the form has a field
Human-in-the-loop
No guesswork. Exceptions routed to humans
Anything that needs a decision goes to your team with the file assembled and the open questions named.
How a decision is made and provedWhat it runs on
2 of 3- Voice Agents
Borrower calls from the first web lead through servicing and payoff
- Speed-to-Lead
- LO Desk
- Servicing Line
- Document Intelligence
Intake, income, condition clearing, Closing Disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Closing Desk
- QC Desk
The rest of the origination side
All 9 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 03Indexing AgentEvery page split, named and filed the moment it lands.
- 04Document ConciergeGets the full document set before underwriting asks.
- 05Income DeskRep-and-warrant-eligible income, cited to the page.
- 06Conditions ManagerCreates conditions against the guide, then clears them.
- 07TRID & Cure ManagementWatches every clock, catches every cure.
- 08Pre-Close QC AgentEvery file before it funds, not a ten percent sample.
- 09Compliance AgentEvery loan-officer call scored, none sampled.
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