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Sei
UMOS™

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.

Run Sei’s UMOS on your own loan filesWatch a demo
LeadFunded
  1. Loan Officer AssistantAnswers every lead in seconds and books the LO
  2. POSThe borrower’s front door, inside the system
  3. Document ConciergeGets the full document set before underwriting asks
  4. Income DeskRep-and-warrant-eligible income, cited to the page
  5. Conditions ManagerCreates conditions against the guide, then clears them
  6. TRID & Cure ManagementWatches every clock, catches every cure
  7. Pre-Close QC AgentEvery file before it funds, not a ten percent sample
  8. Compliance AgentEvery loan-officer call scored, none sampled
Desks on this loan0 / 8

Trusted by mortgage lenders and servicers

Better MortgageAmerican Pacific MortgageLarge VA Mortgage BankNotable Finance

Welcome to the Machine

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

How UMOS orchestrates the desks
01

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.

02

Full auditability at its core

UMOS writes into your LOS. No change management. All decisions logged with traces and available for examination.

03

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.

Come Together

Sixteen 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

Eight desks · Origination

In the order a loan travels.

For Lenders

For Servicers

Eight desks · Servicing

In the order a loan is serviced.

For Servicers

No More Tears

The work that happened while nobody was at work.

Origination

A file in underwriting. Seven conditions open. Nobody at work.

  1. 11:42pm

    The borrower uploads two bank statements

    Classified, read and checked against the loan model in under a minute.

  2. 11:43pm

    The Income Desk unblocks and runs

    Qualifying income across a W-2 and a K-1, every figure cited to its page.

  3. 11:44pm

    Two conditions close, five are re-planned

    Pre-underwriting checks done. Borrower follow-ups initiated.

  4. 8:30am

    The processor opens a file with human-in-the-loop escalation

    A large deposit, flagged below confidence, with the three documents that would settle it. The processor asks the borrower for a letter of explanation.

Servicing

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

  1. Fri 9pm

    Every loan checked against the file behind it

    Note terms, escrow position, payment history, rate and index.

  2. Fri 9pm

    Forty-one loans quarantined, not corrected

    One mapping defect on the escrow cushion — so it is not random, it is every loan the defect touches.

  3. Mon 8am

    One ticket, flagged for human review

    The rest boarded clean, before the first statement cycle.

I'm a Believer

Don't Believe the Hype?

Walk this way for the results lenders like you are seeing.

All case studies
Better Mortgage · QC

Better Mortgage cuts loan review from 4 hours 50 minutes to 47 minutes

Better Mortgage — the NASDAQ-listed digital lender — automates 92% of QC and closes a full review cycle in under an hour with Sei.

Document Intelligence
4h 50m → 47mloan review time
92%of conditions checks automated
78%items auto-cleared
Read case study
Top-25 California IMB

A top-25 California IMB books 9.2× more appointments

A top-25 independent mortgage bank headquartered in California puts Sei voice agents on inbound and outbound — 9.2× more appointments booked and 12% more leads converted.

Voice Agents
9.2×more appointments set on average
+12%lift in lead conversion
24/7inbound coverage
Read case study

Security

Your loan data stays in a sandboxed environment. Full encryption and audit logs.

SOC 2 Type II and PCI DSS Level 1. Your data is not used to train models.

How your data is handled
PCI DSS L1
GDPR
SOC2 Type-2

A Sky Full Of Stars

Watch our AI agents in action

See each product on a real loan file — document intake and QC, compliant borrower calls, and call scoring. Pick a demo below to watch.

Document Intelligence

Underwriting & QC

Automate document intake, validation, underwriting, and QC workflows with AI that understands your loan files.

Voice Agents

Compliant Conversations

See how Sei handles inbound and outbound calls with natural, human-like, compliant voice AI.

Call Monitoring

Scorecards & complaint tracking

Score every call, email and chat against your SOPs and the regs, with the violating moment cited. Nothing sampled.

Runs inside the stack you already have

Sits above your loan origination system

  • ICE Encompass
  • Calyx
  • MeridianLink

And connects to your CRM and telephony

GenesysRingCentralTwilioSalesforce
All integrations →

Nothing Else Matters

FAQs

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.

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”.

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.

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 eight desks on the origination side and eight on the servicing side.

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.

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.

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.

Run Sei’s UMOS on your own loan files

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