Servicing
AI that automates every manual workflow
Nine agents, in lifecycle order — boarding, indexing and escrow on the performing path, collections through claims on the default path, payoffs at the exit, and conduct across all of it.
How UMOS™ orchestrates them- 01 Loan Boarding Agent: Catches boarding defects before the first statement.
- 02 Indexing Manager: Every letter, fax and upload filed and routed the day it lands.
- 03 Escrow Manager: Analysis, shortages, and the explanation that is borrower-friendly.
- 04 Collections Agent: Early-stage delinquency, compliant with Reg F and TCPA.
- 05 Default Management Desk: Sixty days and beyond, with the timelines held.
- 06 Loss Mitigation Agent: Complete packages, evaluated inside the Reg X clock.
- 07 Claims Analyst: The claim package, read and reconciled for review.
- 08 Payoffs Manager: Quotes, good-through dates and the release clock.
- 09 Compliance Manager: Every servicing call and letter scored.
servicing desks, each with a confidence floor you set and an exception queue you own.
The nine desks
- 01Loan Boarding AgentCatches boarding defects before the first statement.Document Intelligence
- 02Indexing ManagerEvery letter, fax and upload filed and routed the day it lands.Document Intelligence
- 03Escrow ManagerAnalysis, shortages, and the explanation that is borrower-friendly.Document IntelligenceVoice Agents
- 04Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA.Voice Agents
- 05Default Management DeskSixty days and beyond, with the timelines held.Document Intelligence
- 06Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.Document IntelligenceVoice Agents
- 07Claims AnalystThe claim package, read and reconciled for review.Document Intelligence
- 08Payoffs ManagerQuotes, good-through dates and the release clock.Voice AgentsDocument Intelligence
- 09Compliance ManagerEvery servicing call and letter scored.Call Monitoring
What they run on
Capabilities powering the UMOS agents.
A day in the life
A transfer of 1,900 loans boards on a Friday night.
Airtight rules ensure that a statement that should never have gone out is blocked for human escalation.
- Friday, 9pm
The Loan Boarding Agent validates every loan against the prior servicer’s data and the Loan Graph it inherits. On 41 of them the escrow cushion has mapped to the wrong field — a single mapping defect, so it is not random, it is every loan the defect touches.
It does not silently correct them. It quarantines the 41 and files one exception naming the field, the source value, the mapped value and the rule it violates — before the first statement goes out.
- Monday, 8am
The boarding lead has one ticket instead of forty-one surprises, and 1,859 loans that boarded clean.
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