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.
What it displaces
The boarding defect nobody finds until the borrower communications happens later.
A transfer that boards clean, and a mapping defect found before the first statement goes out.
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
A mapping error is never one loan · quarantined before the first statement goes out
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.
How a decision is made and provedWhat it runs on
1 of 3- 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 servicing side
All 9 servicing desks- 02Indexing ManagerEvery letter, fax and upload filed and routed the day it lands.
- 03Escrow ManagerAnalysis, shortages, and the explanation that is borrower-friendly.
- 04Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA.
- 05Default Management DeskSixty days and beyond, with the timelines held.
- 06Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.
- 07Claims AnalystThe claim package, read and reconciled for review.
- 08Payoffs ManagerQuotes, good-through dates and the release clock.
- 09Compliance ManagerEvery servicing call and letter scored.
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