Platform · Voice Agents
Answer the lead after hours. Call aged leads. Book the LO’s calendar. Take the payment at 9pm.
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.
- 01Connect
Sei sits on top of the telephony and CRM you already run — Genesys, RingCentral, Twilio, Velocify, Salesforce — and reads the loan file from your LOS.
- 02Converse
The agent handles the call end to end against your scripts and the rules that apply to it, checking frequency and disclosure requirements as it goes.
- 03Act, then hand off
Actions execute downstream — payment taken, due date changed, appointment booked, ticket raised. Anything outside the agent’s rules, result in warm-transfers to your team with a summary.
- 04
- Identity verifiedbefore disclosure
- Call frequencyReg F · 3 of 7
- Calling windowTCPA · in hours
- No rate quotedoutside remit
- Asked for a personwarm transfer
What you staff
7 of 16 desksVoice Agents is built for regulated finance, with guardrails and domain-specific evals. Every change is tested against simulations and measured against those evals before it reaches a live file.
Proof
A top-25 independent mortgage bank put Sei on inbound and outbound origination calls.
- more appointments set on average
- 9.2×more appointments set on average
- lift in lead conversion
- +12%lift in lead conversion
- inbound coverage
- 24/7inbound coverage
Appointments set with loan officers rose 9.2× on average — enough that several said they now needed to block hours out of their own calendars.
Read the Top-25 California IMB studyVoice Agents on a borrower call
A full conversation, start to finish — verification, the request, the action taken, and the hand-off.
Conversational multi-channel AI
Across voice, chat, email and text.
- Origination calls07
- Inbound purchase and refinance enquiries, 24/7Hand-off into the point-of-sale your borrowers apply inSpeed-to-lead callbacks on web and portal leadsPre-qualification questions and criteria screeningLoan-officer appointment bookingApplication status for a borrower already in the pipelineChasing the document the file is waiting on
- Servicing and collections calls06
- Identity verification to your standardPayments and payment arrangementsDue-date changesPayoff and reinstatement quotesEscrow and PMI questionsHardship and loss-mitigation intake
- Rules the agent works inside04
- FDCPA, TCPA and UDAAPRegulation F — the 7-in-7 call-frequency limit and limited-content messagesECOA and Fair HousingYour call scripts, disclosures and escalation policy
Triple Check
Three checks between the rulebook and what the agent says
Three checks stand between a regulation and a decision. Each one can stop the work, and each one is logged. The Rulebook is yours, and every decision lands in The Evidence Trail, cited to its source. See how it works.
- Built against FDCPA, TCPA, UDAAP and CFPB enforcement actions
- Reg F-aware outreach, including the 7-in-7 frequency limit and limited-content messages
- Runs across the loan lifecycle: the lead at the front, document follow-ups and the payoff at the back
- Every call scored afterwards by Sei’s own monitoring — against TILA, RESPA, TRID and UDAAP as well as your scripts
When it is unsure
If a caller asks something outside the agent’s remit, or identity cannot be verified to your standard, the agent warm-transfers to your team with a summary.
INTEGRATIONS
Runs on the telephony and CRM you already have
Sei answers and places calls through your telephony and CRM, hands off into the point-of-sale, and reads and writes the loan file in the LOS you originate in — ICE Encompass, Calyx and MeridianLink among them.
Sits above your loan origination system
FAQs
The agent warm-transfers to your team with a summary of the call so far rather than guessing — and it does the same if identity cannot be verified to your standard. It does not improvise an answer it is not confident in.
No. Sei runs on top of the telephony and CRM you already have — Genesys, RingCentral, Twilio, Salesforce and HubSpot among them — and reads and writes the loan file in your LOS. Custom integrations are handled during onboarding by a dedicated account team.
FDCPA, TCPA and UDAAP, plus Regulation F for collections outreach — including the 7-in-7 call-frequency limit and the limited-content message — alongside ECOA, Fair Housing and your own scripts and disclosure requirements. The rule set is yours, and the agent reasons against it rather than against a general model’s memory of lending.
Every one of them is scored afterwards by Sei’s Call Monitoring — against TILA, RESPA, TRID and UDAAP alongside your own scripts and SOPs — with the violating moment cited to its timestamp. All of them, not a sample, and you are not taking the agent’s word for its own compliance.
The regulatory ground under borrower calls
Regulation F for AI Voice Debt Collection: The 7-in-7 Ledger, the Limited-Content Message, and the Per-Debt Architecture
The CFPB's Regulation F call-frequency presumption, post-conversation wait, limited-content message, and channel opt-out rules are mechanical and per-debt. The agent design we run so an AI voice program does not inherit a 1006.14 harassment finding from a dialer it replaced.
15 min readTCPA Compliance for AI Voice Agents in Mortgage and Bank Outreach: A 2026 Field Guide
What the FCC's 2024 declaratory ruling, the one-to-one consent rule, and the Mortgage One class action mean for AI voice outreach — with the consent stack, suppression rules, and audit pack regulated lenders need.
7 min readThe SAFE Act Line for AI Mortgage Assistants: When Quoting a Rate Becomes Loan Origination and What NMLS Cares About
The SAFE Act and Reg G/H were written for human MLOs and the definition of 'loan originator' bites on any person who takes an application or offers or negotiates loan terms. AI assistants on the mortgage intake desk straddle that line without realizing it, and the state regulators that examine NMLS are starting to ask. The boundaries we hold the agent to so the institution does not have to sponsor a license for software.
12 min read
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