MORTGAGE AI FOR LENDERS AND BROKERS · DONE FOR YOU BY ASTRA AI The first reply wins the loan. Your team never sleeps.
Astra AI designs, installs and runs a team of 19 AI agents built for mortgage offices. Your licensed people quote, advise and decide. Your team does the chasing, the updates and the follow-up.
Here is where loans slip away.
- Slow replies. A lead fills out a form at 9 pm. You call at 10 the next morning. They already talked to someone.
- Quiet pre-approvals. A pre-approved buyer goes quiet and nobody calls.
- Document chasing. Your processor spends Tuesday asking for the same pay stub.
- Forgotten past clients. Last year’s borrowers have not heard from you since closing.
- Realtors left in the dark. The realtor who sent the deal finds out the status by calling you.
Why we built it like a team
We build memory software called MIND. Its job is to make sure software never forgets a person, a file or a decision.
Then we looked at how business owners use AI agents. One agent, every password, and hope. It forgets things. It does one job and ignores the rest. And one agent with every key is not safe.
So we draw the team the way a good office is built: one agent per job, its own account and its own permissions, all sharing one memory. A licensed person stays in charge of anything that touches a quote, an application or a decision.
That design is what you are paying for. It works with the AI agent you already use. We design it. We run it.
Meet your AI team
Get New Clients
- Speed-to-Lead Agent: Replies to every web and portal lead in minutes by text or email and asks the first two or three plain questions. Works in: Total Expert, Velocify, BNTouch, Jungo, Surefire, Salesforce, your website forms, your text line. You approve: You approve the reply template once. No rate or payment goes in the first reply.
- Pre-Qual Qualifier: Learns the buyer’s timeline, area and price range, flags the moment enough information is shared to count as an application, and hands that file to the loan officer. Works in: Your CRM, Encompass, Arive. You approve: The loan officer takes over at the flag.
- Past-Client Database Agent: Writes anniversary and check-in notes to past borrowers on a schedule. Works in: Total Expert, BNTouch, Jungo, Surefire. You approve: You approve the templates and the list.
- Realtor Partner Agent: Sends each referring agent status notes and a thank-you, and logs referral sources. It never offers anything of value for a referral. Works in: Your CRM, email, text. You approve: You approve the templates. A compliance gate checks any partner spend.
- Rate-Watch Refinance Trigger Agent: Flags past borrowers for whom your own current rate sheet could make a call worthwhile, and drafts a note. Works in: Your CRM, Encompass loan data, your loan officer rate sheet. You approve: You review each flag and approve the message. The agent does not quote.
- Reviews and Referral Agent: Asks every closed borrower for a review and a referral, and drafts review replies. Works in: Google Business Profile, email, text. You approve: You approve public replies.
Win the Deal
- Booking Agent: Books the borrower call, sends reminders and rebooks no-shows. Works in: Google Calendar, Outlook calendar, your CRM. You approve: You set the hours.
- Application Starter Agent: Walks the borrower into the point-of-sale link and tells them what to upload. Gives no product advice. Works in: Floify, Blend, Encompass. You approve: A licensed loan originator takes the application and every disclosure step.
- Quote and Ad Compliance Agent: Checks any draft that names a rate, payment, term or down payment against the approved rate sheet and the advertising trigger-term rules before a human sees it. Works in: The draft queue in your CRM, your rate sheet. You approve: You or your compliance lead release it. Nothing with credit terms sends without release.
- Pre-Approval Follow-Up Agent: Checks in on pre-approved buyers who have not made an offer, and on stalled applications. Works in: Your CRM, Encompass. You approve: You approve the wording and the schedule. The default is 14 quiet days, and you can change it.
Serve and Keep Clients
- Document Chase Agent: Asks borrowers for missing items by text, email and portal, and stops when they arrive. Works in: Floify, Encompass, email, text. You approve: Your processor takes over after three tries.
- Conditions Tracker Agent: Lists open underwriting conditions, who owes each one and what is overdue. Works in: Encompass. You approve: Your processor confirms the list. The agent never clears a condition.
- Status Update Agent: Sends borrower and realtor plain status notes at each milestone. Works in: Encompass, Floify, text, email. You approve: You approve the note templates. No note implies approval before underwriting.
- Lock and Deadline Watch Agent: Tracks rate lock expiry, appraisal dates, contract dates and closing dates, and warns the team early. Works in: Encompass, your calendar. You approve: You or your processor decide any extension.
- Closing Coordination Agent: Reminds the team of disclosure timing, sends borrowers the wire-fraud caution from the closing agent, and tracks title and insurance items. Works in: Encompass, title company email, your calendar. You approve: Your closer confirms every disclosure date.
- Post-Close and Reactivation Agent: After funding, sends a thank-you, and months later writes to borrowers who never closed. Works in: Your CRM, Encompass. You approve: You approve the list and the wording.
Back Office and Owner
- Compliance Watch Agent: Keeps the dates, the consent log and the partner-spend log, and reminds the team of due items. Works in: Encompass, your CRM, MIND. You approve: Your compliance lead (the owner in a small shop) reviews every flag.
- Pipeline and Margin Reporter: Builds a weekly view of leads, applications, locks, fundings and lead-source performance. Works in: Encompass, your CRM. You approve: You read it.
- Owner Briefing Agent: Leaves one page each morning: what needs a person today. Works in: Encompass, your CRM, MIND. You approve: You read it. No action happens without you.
How the agents work together
- New lead to application: Web lead → Speed-to-Lead Agent → Pre-Qual Qualifier flags the application moment → Booking Agent → Loan officer call → Application Starter Agent sends the apply link
- Application to clear to close: Application taken → Document Chase Agent → Conditions Tracker Agent → Status Update Agent, to borrower and realtor → Lock and Deadline Watch Agent → Closing Coordination Agent
- Funded to next deal: Loan funded → Reviews and Referral Agent → Past-Client Database Agent → Rate-Watch Refinance Trigger Agent → Loan officer calls
- Partner loop: Realtor sends a referral → Realtor Partner Agent logs it and sends status → Compliance Watch Agent checks any partner spend → Owner Briefing Agent shows who sends deals
- Everything remembered: All agents read and write one record per borrower in MIND → Status Update Agent knows what the Document Chase Agent already asked
A day with your team
- 7:00 am Owner Briefing Agent leaves your page: what needs a person today.
- 8:00 am Speed-to-Lead Agent has already answered the three leads that came in overnight.
- 10:00 am Document Chase Agent texts two borrowers about missing pay stubs.
- 11:30 am Conditions Tracker Agent lists what underwriting is still waiting on.
- 1:00 pm Status Update Agent sends a realtor the milestone note.
- 3:00 pm Lock and Deadline Watch Agent warns that a lock expires in five days.
- 5:00 pm Pre-Approval Follow-Up Agent drafts notes to buyers who went quiet. You approve them.
- 7:00 pm Rate-Watch Refinance Trigger Agent lists past borrowers worth a call. You decide.
- 9:00 pm Quote and Ad Compliance Agent holds back one draft that named a payment, for your review.
Works with what you use
Encompass, Arive, Floify, Blend, Total Expert, Velocify, BNTouch, Jungo, Surefire, Salesforce, Google Calendar, Outlook. Runs on the AI you already use: Grok Bot, Muse, Dots, Hermes, OpenClaw or Claude.
You do not have to switch software. We confirm how each tool connects when we scope your team.
Built for mortgage office rules
- Referral rules (RESPA): the Realtor Partner Agent never offers or tracks anything of value in exchange for a referral. Any marketing agreement is paid only for services actually performed at a reasonable value. The Compliance Watch Agent logs partner spend for you.
- Advertising (TILA): the Quote and Ad Compliance Agent holds back any draft that names credit terms, such as a payment or down payment, until a person releases it, and checks that the terms match an approved sheet.
- Applications and disclosures: the Pre-Qual Qualifier does not collect all the application items without flagging the loan officer. The Closing Coordination Agent tracks disclosure dates. A person confirms every date.
- Credit decisions: agents never tell a borrower "denied" or give reasons. A person issues every notice. The Compliance Watch Agent only runs a reminder from the date a completed application is logged.
- NMLS IDs: drafts that are the loan originator’s first written contact carry the originator’s name and NMLS ID in the signature block. The loan officer confirms the block for each originator.
- Borrower data: each agent gets separate accounts, credentials and permissions. Borrower data stays in the loan system and MIND, not in chat. The Compliance Watch Agent keeps the incident clock reminder, and a person reports. We describe what we set up. We do not promise security outcomes.
- Texts: texts to borrowers and leads go out only with the consent on file. Opt-outs stop all agents at once.
- Fair lending: agents ask every lead the same questions and use the same templates. A person reviews audience rules for any paid campaign.
- State rules: state licensing and advertising rules are checked for your state at scoping.
- People decide: agents prepare, draft, chase, flag and report. Licensed loan originators quote, advise, take applications and decide. No agent quotes a rate that is not on an approved sheet, gives product advice, or makes a credit decision.
- This is not legal advice. Your compliance counsel makes the final call on your rules.
What it is worth, and what it costs
- Front Desk and Lead Response Team ($5,023.06/mo): Answers every lead and books the application call. Receptionists $18.27/hr x 173 hrs x 100% = $3,160.71. Customer service representatives $21.53/hr x 173 hrs x 50% = $1,862.35.
- Processing Assistant Team ($4,018.79/mo): Runs the paper chase from application to closing. Secretaries and administrative assistants $23.23/hr x 173 hrs x 100% = $4,018.79.
- Marketing and Past-Client Desk ($3,108.81/mo): Works past clients, Realtor partners and rate triggers. Public relations specialists $35.94/hr x 173 hrs x 50% = $3,108.81.
- Compliance Watch ($3,357.07/mo): Screens quotes, ads and messages against the rules. Compliance officers $38.81/hr x 173 hrs x 50% = $3,357.07.
- Pipeline and Margin Analyst ($2,153.42/mo): Reports the pipeline and the margin on every loan. Financial analysts $49.79/hr x 173 hrs x 25% = $2,153.42.
- Owner Briefing and Operations ($2,117.95/mo): Gives the owner a daily brief and routes the day. Management analysts $48.97/hr x 173 hrs x 25% = $2,117.95.
- Industry Architecture and Agent Design ($1,958.80 one-time): Choosing the 19 roles, the handoffs and the approval points for your office. Management analysts, 40 hrs x $48.97.
- Integration and MIND Memory Build ($5,155.20 one-time): Connecting your software, phone, calendar, forms and email, and loading your contacts and history into MIND. Software developers, 60 hrs x $64.44 = $3,866.40, plus 20 hrs x $64.44 = $1,288.80 for the memory load.
- Prompt and Routine Library ($1,738.40 one-time): The scripts, message sets and daily routines every agent runs. Technical writers, 40 hrs x $43.46.
- Compliance Guardrail Build ($931.44 one-time): Consent logging, opt-out handling, and quote and ad disclosure checks. Not legal advice. Compliance officers, 24 hrs x $38.81.
- Compliance Review ($620.96 one-time): One outside-in read of the guardrails against the mortgage rules, added because mortgage is a heavily regulated trade. Compliance officers, 16 hrs x $38.81.
Total value: $30,183.90. $2,500/month · AI running costs billed at cost · cancel any time
Value is what it would cost to hire the closest roles at national median pay (U.S. Bureau of Labor Statistics, May 2025), at the share of a full-time role the agents cover. One-time lines use the same wages as a low stand-in for consultant time. It is not a promise of results.
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Who it is for
- Offices with steady leads and a real backlog of follow-up and chasing.
- Loan officers and owners who want to approve what matters and let the team handle the rest.
- Offices with a compliance lead, even if that is the owner.
Who it is not for
- Anyone who wants an AI to quote rates, give product advice or decide on a loan.
- Anyone who wants a promise of results.
- Anyone who will not review the flags.
Frequently asked questions
How is AI used in mortgage lending?
Most mortgage lenders, brokers and loan officers start with one AI tool, like a chatbot or a writing assistant. The bigger gain comes from a team: 19 agents that each own one job, such as answering leads fast, chasing documents, sending milestone updates and alerting past clients when rates move. They share one memory in MIND, so nothing restarts from zero. Astra AI designs that team for your office, installs it on the AI you already use and runs it every month. A licensed person on your team approves rates, quotes and disclosures.
What does the AI cost to run?
The $2,500 a month is our management fee for designing and running your team. What the AI itself costs to run is billed separately, at what the provider charges. We show you the figure before you start.
Do I have to switch my loan system or CRM?
No. Your team works in what you already use. We confirm access to each tool when we scope your team.
Does it follow RESPA, TILA and the other rules?
The team is built so a licensed person approves anything that quotes, advertises, takes an application or decides. The team never offers anything of value for a referral. It holds back drafts that name credit terms until you release them. Your compliance counsel reviews the setup and makes the final call.
Will it text my leads and borrowers?
Only where you have the right consent on file. Opt-outs stop every agent.
What about borrower data and security?
Each agent gets its own account and only the access its job needs. We help you keep a written security plan current. We do not promise that any system is unbreakable.
Which AI agent do you use?
We work with any AI agent you already use, including Grok Bot, Muse, Dots, Hermes, OpenClaw and Claude. We pick the right setup for your office.
Does it replace my processor or assistant?
No. It takes the chasing, the reminders and the reports so your people spend their time on files and borrowers.
Is there a free trial, a guarantee or a refund?
No. We scope your team on a call first so you know what you are buying. You can cancel any time.
See the team we would build for your office.
Enter your email and pick a time. We will show you which of the 19 roles fit your office.
$2,500 a month management fee. What the AI itself costs to run is billed separately.