For ServicersLoan Boarding Agent
Loan Boarding Agent
Reads the transfer file, reconciles it against the loan documents behind it, and isolates what does not agree.
The transfer file is reconciled against the documents behind each loan, and disagreements are grouped by cause — because one mapping defect is not forty unrelated exceptions.
The transfer file is reconciled against the documents behind each loan, and disagreements are grouped by cause — because one mapping defect is not forty unrelated exceptions.
What it displaces
What it does
- 01
Reads the incoming transfer file and the document package behind each loan
- 02
Reconciles the two — note terms, escrow position, payment history, rate and index — and reports where they disagree
- 03
Groups exceptions by cause rather than listing them by loan, because a mapping defect shows up on every loan it touches
- 04
Produces one exception file per defect, naming the field, the source value, the transferred value and the rule it fails
What it leaves behind
- Next payment due dateagreestransfer file ↔ note p.1
- Escrow cushion, monthsdisagreestransfer 2 ↔ analysis 1
- Interest rate and indexagreesnote p.1 · rider p.2
- Property address, unit numberagreessecurity instrument p.1
Human-in-the-loop
No guesswork. Exceptions routed to humans
It reconciles and creates evidences. Every disagreement is handed to your boarding team as a named exception with both values and the document that settles it, before the first statement cycle.
What it runs on
1 of 3Intake, income, condition clearing, Closing Disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Closing Desk
- QC Desk
The rest of the servicing side
All 8 servicing desks- 02Escrow ManagerDownstreamAnalysis, shortages, and the explanation that is borrower-friendly.
- 03Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA.
- 04Default Management DeskSixty days and beyond, with the timelines held.
- 05Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.
- 06Claims AnalystThe claim package, read and reconciled for review.
- 07Payoffs ManagerQuotes, good-through dates and the release clock.
- 08Compliance ManagerAcross all of themEvery servicing call and letter scored.
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