65% faster origination TAT
Automate application capture, document extraction, checks, routing, and handoffs across the lending journey.
Mortgage Lending
One configurable journey from application through underwriting, completion, and servicing.
The Mortgage AI Agent orchestrates nine lending stages, lender-approved integrations, manual underwriter actions, human approval gates, and service across voice, WhatsApp, email, chat, borrower, and broker channels.
Mortgage lendersBanks and housing financeBroker-led lending networks
Who feels the difference
Confident borrowers
Productive underwriters
Empowered brokers
Business impact
Measurable gains for mortgage lending.
The AI execution engine shortens origination and verification work while giving underwriters one view of evidence, integration results, exceptions, and decisions.
80% faster eKYC & verification
Connect identity, AML, fraud, credit, open-banking, and property services with confidence-based review.
2× underwriter productivity
Present complete cases with risk context and manual actions for credit, affordability, valuation, documents, and escalation.
Nine stages, one orchestrated journey
The mortgage journey, from enquiry and product selection to completion and servicing.
Each stage completes a clear business outcome before the agent advances the case. Lender rules determine automation, integration calls, manual actions, and human review.
1–2
Application and Product Selection
Borrowers or brokers submit the enquiry and application, select an eligible product, and receive the required illustration.
Borrower and broker portals · CRM · Product and pricing
3–4
Identity, Credit, and Affordability
Verify identity, screen AML and fraud risk, extract evidence, obtain bureau and open-banking data, and assess affordability.
GBG / Onfido · Experian / Equifax · TrueLayer
5
Underwriting Decision
Apply configured policy and confidence thresholds. Approve or decline eligible cases and refer exceptions to the underwriter with evidence.
Decision engine · Manual action buttons · Human gates
6–7
Property, Legal, Offer, and Signature
Validate the security and legal readiness, run valuation checks, clear conditions, generate the offer, and capture acceptance.
Land Registry / AVM · Legal services · DocuSign / Adobe Sign
8–9
Completion and Servicing
Release funds with approval, book the loan, and manage payments, statements, changes, vulnerability, and customer service throughout its life.
Payment rails · Core banking · Servicing platforms
Every layer is configurable, governed, versioned, and auditable
UI, fields, rules, and validation
Stages, routing, SLAs, and approvals
API endpoints, secrets, retries, and health
AI tools, confidence, policy, and human gates
Documents, dashboards, and reports
Voice, WhatsApp, email, and chat
Configurable Mortgage AI Agent
Automation, integrations, underwriter actions, and reporting in one governed engine.
Configure what runs at each stage, which endpoint and secret reference it uses, when the workflow retries or pauses, and which actions remain with the underwriter.
Stage Automation Agent
Runs capture, extraction, eligibility, KYC, AML, affordability, valuation, offer, completion, and servicing actions by stage.
Integration Registry
Stores lender-approved API URLs, provider profiles, vault secret references, timeout and retry rules, and live health status.
Underwriter Action Controls
Lets an underwriter manually trigger credit search, open banking, affordability, KYC, fraud, valuation, document, and decision checks.
Policy and Decision Engine
Applies product policy, risk models, confidence thresholds, approval rules, decline rules, and referral gates.
Document and Offer Agent
Extracts application evidence, generates illustrations and offers, manages conditions, and coordinates electronic signature.
Borrower and Broker Concierge
Answers application, condition, offer, completion, payment, and servicing questions across every configured channel.
Workflow Control Tower
Tracks SLA attainment, stage ageing, throughput, exceptions, straight-through processing, rework, capacity, and portfolio quality.
See your configurable mortgage journey running end to end.
We will map your nine stages, integration endpoints, underwriter actions, policy gates, channels, SLAs, and reporting requirements, then show the configured workflow live.
Book a focused walkthrough