HOW IT WORKS
Every decision, against a documented rule, cited to its source documents
Most AI in this category asks you to trust an output. Sei is built so you do not have to: the rules are yours and written down, our triple-check layer stands between the regulation and the decision, and everything the agent concluded stays on the record with the evidence attached.
Trigger Points move the loan, not manual clicks
A decision starts because the loan moved — a document arrived, a payment was missed, a fee changed, a clock began. Every AI agent runs with a goal and doesn’t stop until the goal is reached or no longer valid
The Rulebook
The rule set an agent reasons against. Yours, not a generic model’s idea of mortgage lending.
Agency and investor guidelines
- Fannie Mae Selling Guide
- Freddie Mac Seller/Servicer Guide
- FHA Handbook 4000.1
- Your investor overlays
Consumer protection and lending regulation
- TILA, RESPA and TRID
- ECOA and Fair Housing
- HMDA
- FDCPA, TCPA and UDAAP
Your own operating rules
- Underwriting guidelines and credit policy
- Servicing policies and SOPs
- QA rubrics, including the edge cases that live in reviewers’ heads
- Call scripts and disclosure requirements
Triple Check
Three checks stand between a regulation and a decision. Each one can stop the work, and each one is logged.
- 01
The agent reasons against the Rulebook
Not against a model’s memory of mortgage lending. The agent works from the encoded rule set — the agency handbooks, your investor overlays, and your own SOPs — for the step it is performing.
A file that does not satisfy the rule is not cleared. It becomes a condition, written in plain language, with the rule it failed named.
- 02
An independent checker validates the output
A second, separate model re-checks the result against the same rules before it leaves the system. Different maker and checker.
Disagreement between the two is not resolved quietly. The item is held and surfaced rather than shipped on the first answer.
- 03
The result is confidence-scored
Every finding carries a confidence score. Anything above your threshold clears automatically; anything under it routes to your own underwriter as a named exception, with the reasoning and the source attached.
Under threshold is not a failure state, it is the designed one. Your reviewers spend their time on the exceptions instead of on the whole file.
The Evidence Trail
Every decision carries the reasoning that produced it and a citation to where the evidence came from.
Cited to the source, not summarized
A finding on a loan file points at the document and the page it came from. A finding on a call points at the timestamp. A reviewer checks the citation rather than taking the answer on trust.
The reasoning is kept, not just the outcome
Every agent decision is logged with its full reasoning trace, providing full transparency.
Built to be handed over
Records are immutable and retained to your policy, and the logs export in a format that is examination-ready.
It covers the conversation too
Underwriting, closing and QC leave a trail, and so does every borrower call, email and chat — scored against your rulebook with the moment cited.
When it is unsure
Anything below your confidence threshold routes to your human-in-the-loop as a named exception.
The reviewer sees what the agent concluded, the rule it was working from, the confidence score and the source document, and makes the call themselves.
The engineering detail behind all of this is on tech specs.
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