Pre-Close QC Agent
Pre-close quality control on every loan, with agency- and investor-ready audit trails.
Identify issues, catch fraud and reduce your repurchase risk before closing
What it displaces
The QC queue, sampling and the spray-and-pray gamble.
Every file reviewed before it funds, with the audit trail already in the shape the investor asks for.
What it does
- 01
Reviews every file before it funds, not a ten percent sample
- 02
Checks the file against agency guides, investor overlays, fraud rules and your own QC policies
- 03
Confidence-scores each finding, so your reviewers spend their time on the exceptions
- 04
Produces an audit trail an agency or investor can read without you rebuilding it
What it leaves behind
- Income recalculated from sourcepassW-2 p.1 · Sch. E p.3
- AUS findings match the final 1003passDU 4.2 · 1003 p.3
- Ethnicity collected by observation, not askedreview1003 §7b · HMDA
- Appraisal, 1004 completenesspass1004 p.6
Every loan before it funds, not a ten percent sample · agency and investor audit trail
Human-in-the-loop
No guesswork. Exceptions routed to humans
Anything under threshold is a named exception on a human’s desk. Findings always carry the reasoning, and a citation with document page and the rule.
How a decision is made and provedProof
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.
- loan review time
- 4h 50m → 47m
- of conditions checks automated
- 92%
- items auto-cleared
- 78%
What it runs on
1 of 3- Document Intelligence
Intake, income, conditions, fraud, closing disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Fraud Desk
- Closing Desk
- QC Desk
The rest of the origination side
All 10 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 02POSThe borrower’s front door, inside the system.
- 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.
- 07Fraud AgentEvery document tested for fabrication before the loan funds.
- 08TRID & Cure ManagementWatches every clock, catches every cure.
- 10Compliance 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