In 7 steps, Alpha7x processes any job in mortgage ops
AI-powered agent designed to automate and streamline mortgage loan origination and servicing tasks
Alpha7x follows a structured, repeatable, scalable process that enables it to perform most jobs related to mortgage loan origination and servicing. It gathers, retrieves, verifies, and resolves data and document-related tasks with minimal to no human intervention.
Job Dashboard for Real-Time Monitoring
Task Based Action Center for Red Flags
Compliance Validation UI
Escalation and Exception Mgmt
1) Alpha7x automatically initiates the job based on a defined trigger event
Triggers for job initiation may include:
o A new loan or order is created in the system.
o A document is uploaded that requires processing.
o A milestone is reached in the loan or servicing workflow.
o A request is received via API from an external system.
The job is automatically assigned to an AI agent, but Alpha7x follows the same structured workflow for all jobs. A record is created in the job pipeline, marking it as “In Progress”. Alpha7x begins working immediately—no delays, no bottlenecks.
✔ Outcome:
Job is initiated, and Alpha7x moves to data/document retrieval.
2) Retrieves, Identifies Missing, and Requests Data & Documents
o Retrieves structured data from the System of Record (SOR)
o Pulls unstructured documents from public records, uploaded files, and integrated APIs.
o Identifies missing data and documents.
o Automatically requests missing information.
o Proceeds to Step 3 with the available data and documents, while tracking and requesting missing information in parallel.
✔ Outcome: The job moves forward without delay, ensuring missing data and documents are tracked and automatically requested without human intervention.
3) Alpha7x then Classifies, Extracts, Normalizes & Stores Data
o Classifies incoming documents (appraisal, deed, title policy).
o Extracts key data points, such as: Property value, Borrower details, and Legal descriptions
o Normalizes and stores data by converting extracted data into a standardized format for accuracy.
o Stores data in structured fields for easy reference, validation, and reporting.
✔ Outcome: The extracted and organized data is ready for verification against the source of truth.
4) Cross-Check Data & Flag Discrepancies Against Source of Truth
o Compares extracted data with System of Record (SOR), relevant Public Records, and all Investor Guidelines
o Flags any data discrepancies:
a) Identifies mismatches or incomplete data.
b) Real-time alerts for misalignments that need correction.
o If everything matches, the job proceeds seamlessly.
o If discrepancies exist, agent moves to Step 5 to resolve them.
✔ Outcome: All extracted data is validated, with any issues flagged for resolution.
5) Fixes any data mismatches before moving forward, using one structured resolution approach for all job types
If mismatches exist, Alpha7x automatically:
✅ Updates the correct source (SOR)
📩 Requests corrected documents from the responsible party
🚀 Ensures accuracy before moving to the next step
o Tracks + monitors missing or revised document requests:
o Continuously monitors request statuses.
o Ensures all stakeholders are notified of required actions.
o Provides real-time updates to prevent processing delays.
If all discrepancies are resolved, Alpha7x moves the job forward.
✔ Outcome: The job is now free of data errors, missing documents, or validation issues.
6) Validate Compliance & Resolve Guideline-Related Issues
The AI agent ensures compliance with investor and regulatory guidelines before finalizing the job—applying the same validation checks across all job types.
How Guidelines are Structured:
o Sub-sections based on the type of validation required.
o Sub-sections are structured as prompts, allowing them to be executed across multiple agents.
o Once a verification is completed by one agent, all other agents benefit from that completed verification, reducing redundant work and re-work.
✔ Outcome: The job meets all regulatory and investor requirements, preventing future issues or buybacks.
7) The AI agent ensures all steps are successfully completed, logs all actions, and marks the job as finished
✔ How it works:
o Final validation of all data and documents.
o Final compliance & business rule checks.
o Marks the job as completed and notifies stakeholders.
✔ Outcome:
✅ If all conditions are met:
The job is marked Complete, requiring no further action.
⚠️ If outstanding issues remain:
The job is flagged for manual review, with a detailed report of unresolved issues.
