# AI Agents for every loan workflow.

> Super Intelligence across the loan lifecycle. Faster clear-to-close, lesser overhead, stay on top of compliance. That’s all UMOS does for you.

UMOS™ — the Unified Mortgage Orchestration System.

## UMOS is a unified orchestration system for AI agents, for your entire loan lifecycle

- **It runs the manual middle** — Document follow-up, conditions, income, TRID timing and cures, pre-close QC, boarding validation, escrow, loss mitigation, claims. The steps that sit in someone’s queue today.
- **Full auditability at its core** — UMOS writes into your LOS. No change management. All decisions logged with traces and available for examination.
- **Goal-driven AI** — An agent holds a goal and works it — overnight, over a weekend, for as long as the loan takes. Below its confidence floor it asks for Human-in-the-Loop.

## Twenty desks, across origination & servicing, one unified platform

Each desk owns a queue your staff handles today. Information is collected earlier, passed between desks as the loan moves, and checked every time against one version-controlled rulebook.

### For Lenders

| Desk | Owns |
| --- | --- |
| [Loan Officer Assistant](/for-lenders/loan-officer-assistant) | Answers every lead in seconds and books the LO |
| [POS](/for-lenders/pos) | The borrower’s front door, inside the system |
| [Indexing Agent](/for-lenders/indexing-agent) | Every page split, named and filed the moment it lands |
| [Document Concierge](/for-lenders/document-concierge) | Gets the full document set before underwriting asks |
| [Income Desk](/for-lenders/income-desk) | Rep-and-warrant-eligible income, cited to the page |
| [Conditions Manager](/for-lenders/conditions-manager) | Creates conditions against the guide, then clears them |
| [Fraud Agent](/for-lenders/fraud-agent) | Every document tested for fabrication before the loan funds |
| [TRID & Cure Management](/for-lenders/trid-and-cure-management) | Watches every clock, catches every cure |
| [Pre-Close QC Agent](/for-lenders/pre-close-qc-agent) | Every file before it funds, not a ten percent sample |
| [Compliance Agent](/for-lenders/compliance-agent) | Every loan-officer call scored, none sampled |

### For Servicers

| Desk | Owns |
| --- | --- |
| [Loan Boarding Agent](/for-servicers/loan-boarding-agent) | Catches boarding defects before the first statement |
| [Indexing Manager](/for-servicers/indexing-manager) | Every letter, fax and upload filed and routed the day it lands |
| [Escrow Manager](/for-servicers/escrow-manager) | Analysis, shortages, and the explanation that is borrower-friendly |
| [Collections Agent](/for-servicers/collections-agent) | Early-stage delinquency, compliant with Reg F and TCPA |
| [Default Management Desk](/for-servicers/default-management-desk) | Sixty days and beyond, with the timelines held |
| [Loss Mitigation Agent](/for-servicers/loss-mitigation-agent) | Complete packages, evaluated inside the Reg X clock |
| [Claims Analyst](/for-servicers/claims-analyst) | The claim package, read and reconciled for review |
| [Payoffs Manager](/for-servicers/payoffs-manager) | Quotes, good-through dates and the release clock |
| [Fraud Manager](/for-servicers/fraud-manager) | Fraud in the documents servicing receives, from hardship to payoff |
| [Compliance Manager](/for-servicers/compliance-manager) | Every servicing call and letter scored |

## The work that happened while nobody was at work.

### Origination

A file in underwriting, seven conditions open, and nobody at work.

> **11:42pm** A borrower uploads two of the four bank statements the Document Concierge asked for on Tuesday. The Indexing Agent splits and files the pages into the eFolder, and they are read and validated against the Loan Graph in under a minute. One is the wrong account — so the Concierge sends a single message naming the account it still needs and why, and does not ask again for the three it already has.
>
> The two valid statements unblock the Income Desk, parked since Tuesday waiting on asset seasoning. It runs, calculates qualifying income across a W-2 and a K-1, cites each figure to the page it came from, and posts a rep-and-warrant-eligible result.
>
> That clears two of the seven open conditions. The Conditions Manager closes them with citations and re-plans the remaining five.
>
> **8:30am** The processor opens the file. Two conditions cleared overnight, one document still outstanding with the borrower already chased, and a note naming the one item that needs a human. That item is a large deposit needing sourcing, flagged below confidence, with the three documents that would settle it.

**Agents that work 24/7 till goal is achieved. Every hour saved is an hour shaved off in your clear-to-close timeline.**

### Servicing

A transfer of 1,900 loans boards on a Friday night.

> **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.

**Airtight rules ensure that a statement that should never have gone out is blocked for human escalation.**

## The capabilities underneath

- **[Voice Agents](/platform/voice-agents)** — Origination agents call web leads back in seconds and book loan officers’ calendars. Servicing agents verify identity, take payments, change due dates, quote payoffs and handle hardship intake — then warm-transfer if needed. Every conversation is scored afterwards against your rulebook.
- **[Document Intelligence](/platform/document-intelligence)** — Sei reads every document in the package, calculates income with rep-and-warrant relief, clears conditions against agency guidelines plus your overlays, automates the Closing Disclosure and QCs every loan — citing the source page on every finding. Your underwriters see only the exceptions.
- **[Call Monitoring](/platform/call-monitoring)** — Sei encodes your rulebook — including the edge cases that live in your reviewers’ heads — and scores every interaction against it, with the violating moment cited to its timestamp.

## One platform, the length of the loan

Most mortgage AI automates a step. Sei answers the borrower at the front, manufactures the loan in the middle, scores every conversation throughout, and is still there at payoff.

The loan runs Lead → Application → Processing → Underwriting → Closing → Post-close QC → Servicing & payoff.

- **Voice Agents** covers Lead and Application, then Servicing and payoff.
- **Document Intelligence** covers Processing through Post-close QC.
- **Call Monitoring** covers every stage — every conversation is scored.

## FAQ

**What regulations are Sei’s AI agents trained on?**

Our agents are trained on FDCPA, TCPA, TILA, UDAAP, RESPA, TRID, ECOA, Fair Housing Act, and HMDA. For document intelligence, we work against the Fannie Mae Selling Guide, Freddie Mac, and FHA Handbook 4000.1. We can also ingest your internal policies and investor overlays.

**How securely is borrower data handled?**

We deploy within private VPCs with sandboxed environments per customer. We are PCI DSS L1 and SOC2 Type II certified with regular penetration testing. We never train on your data nor send your data to the labs who are now “pacing the frontier”.

**How is Sei different from other mortgage AI platforms?**

Most mortgage AI automates one step — the borrower application, or pre-underwriting review. UMOS runs the loan end to end: borrower qualification, upfront document procurement and follow-ups, and income and condition clearing. Then Closing Disclosure automation, post-close QC, and 100% call monitoring. Every decision is confidence-scored and cited to its source document.

**What is UMOS?**

The Unified Mortgage Orchestration System — the platform the AI agents run inside. Every desk reads and writes the same live model of the loan, reasons against the same version-controlled rulebook, and runs continuously rather than waiting in a queue. There are ten desks on the origination side and ten on the servicing side.

**Does Sei integrate with my LOS and contact center?**

Yes. Sei sits above the LOS you already run rather than replacing it — ICE Encompass, Calyx and MeridianLink among them — and writes results back. For borrower conversations we connect to your CRM and telephony stack, including Salesforce, Genesys, RingCentral and Twilio. Custom integrations are supported during onboarding.

**How long does it take to deploy?**

Most lenders are live within weeks, not months. We handle onboarding, policy ingestion, and integration setup with a dedicated account manager and direct access to the founders at all times.

**Can Sei incorporate my company’s overlays and SOPs?**

Sei is built for it. Bring your own investor overlays, underwriting guidelines, servicing policies, and SOPs. Our agents reason against them alongside the agency handbooks, and every decision cites the rule it was made against.

---

_Source: [https://www.seiright.com](https://www.seiright.com) · Sei AI_