◆ Autonomous Worker
Runs the loan after closing: payment-posting questions, escrow analyses, payoff quotes, PMI removal, and the annual escrow shortage letter explained in plain English. Resolves routine servicing end-to-end and routes any signal of financial hardship straight to the hardship agent.
Memory
Working The inquiry + the loan's current servicing state.
Episodic The borrower's payment history and prior servicing contacts.
Semantic Servicing rules: RESPA, escrow analysis, payoff calculation, PMI removal.
Store Servicing platform state + policy retrieval
Orchestration
pipeline MCPA2A
Harness · Managed Agents … short session per inquiry; event-driven for statements.
Tools
{ } Mortgage servicing platform API ›_ Escrow / payoff calculators Code exec ⌕ Servicing policy (RESPA) RAG Retrieval ⇄ Hardship-agent handoff A2A
Evals & guardrails
- RESPA-timeline guardrails on escrow and error-resolution requests.
- Any signal of financial hardship routes to the hardship agent (loss-mitigation pathway).
- Payoff-quote accuracy validated before release.
Frontier edge
- ▲Voice-native / multimodal: explains the annual escrow shortage letter out loud, walking the borrower through the actual numbers on their statement.
- ▲Proactive / anticipatory: flags the upcoming escrow shortage and the PMI-removal threshold before the borrower hits them.
- ▲Confidential compute: runs payoff and escrow math against loan PII inside a secure enclave, so sensitive balances never sit in the clear on the servicing path.
In numbers
120,000
Servicing inquiries / day
85%
Self-service resolution
Handoffs
Fed by ← Underwriting Agent
Hands to → Collections Outreach Agent