What we’re building: AI that works a mortgage file from first lead to funded
Seven AI agents, one for each stage of a file, each checked by Broker AI before anything reaches a client or lender, and each waiting for the broker’s approval. Built now and being tested with one broker.
We’re building seven AI agents that take a mortgage file from the first lead to funded: lead reply, call prep, the checks before a credit pull, proposal follow-ups, disclosure paperwork, the closing package and the close-out. Each one reads the broker’s rules from Broker AI, checks every draft, respects the file’s required steps and waits for the broker to approve. They’re in testing with one broker now.
What does each agent do?
- New lead. Scores the lead against the broker’s own rubric, records it, and drafts a same-day reply that puts the required disclosure first and includes the booking link.
- Discovery call. A one-page brief before the call: where the lead stands, what to ask, and what to watch for. After it, the broker’s notes become a summary, red flags and next steps.
- Before the credit pull. Confirms consent, ID verification, the third-party question and the politically-exposed-person check are each done and recorded, and watches the 30-day consent window.
- Proposal follow-up. Drafts the day-2 and day-5 nudges after a proposal, and tells the broker, not the client, when a client has gone quiet.
- Disclosure paperwork. Drafts the disclosure package from the commitment’s terms, checks it, and fills the regulator’s own form, ready for e-signature.
- Closing package. Checks what’s on the file against the closing list and the lender’s conditions, and reports what’s missing and who it’s waiting on.
- Funded and thanks. Records the outcome and drafts the client’s congratulations and the referral partner’s thank-you.
Where does Broker AI come in?
Every agent reads the same rules from Broker AI: the broker’s, the brokerage’s and the regulator’s, as the broker approved them. Before a draft is shown, it is checked against those rules. Before a file moves to the next stage, its required steps are checked. Each check, step and approval goes on the record. The agents do the work, and Broker AI makes sure it is done the brokerage’s way.
What stays with the broker?
- Every send. The agents draft. The broker reads, approves and sends.
- Every judgement call: the lender, the advice, whether a client is a fit, and any override of a required step, with the reason on record.
- The client file. Client details stay in the broker’s own loan software and AI account. Broker AI holds a file code, which steps are done, and the record of checks, never names, incomes or documents.
Where are the agents built?
On Devs.ai, an AI platform a brokerage can provision and control, with models from the major AI providers. Broker AI connects the same way to Claude, ChatGPT and other assistants, so the rules and the record don’t depend on the platform. We earn a commission if you sign up for Devs.ai through us.
When can I use it?
Not yet. All seven are built and being tested on real-shaped files with one broker. We’ll open them up once each stage has run end to end. Want to be next? Tell us how your files run.
Questions people ask
- Will the AI send emails to my clients on its own?
- No. Every agent drafts and waits. You read it, approve it and send it yourself.
- Does Broker AI see my client files?
- No. Client details stay in your loan software and your own AI account. Broker AI stores your rules, the file’s steps and the record of what was checked.
- Can my brokerage change the steps?
- Yes. The brokerage and each broker set the steps a file goes through, and the agents follow whatever is set. Changing a step changes it for every agent.
By DisruptionIO, the team behind Broker AI. Published October 28, 2026.