Voice intake, eligibility logic, and doc workflows. Production-grade, six weeks to live.
Mid-market mortgage shops are stuck on 45–60-day origination cycles while AI-pipeline competitors hit 15–25. We've shipped the voice AI + eligibility + workflow patterns that close the gap.
If two or more of these are true, we should talk.
- // 01
Doc collection and verification is still manual
- // 02
Pre-qual logic is buried in Encompass or LendingPad — every change is a multi-week vendor SOW, not a two-hour config
- // 03
Voice intake at scale would catch the 40% of inbounds your team misses
- // 04
Your origination cycle is 45–60 days; competitors with AI pipelines are at 15–25
- // 05
Conditions are routed by email chain. Processors track stips in a spreadsheet. Clear-to-close depends on someone checking the right folder
- // 06
38% of lenders are already using AI/ML — adoption is growing 23 points a year
We're not your LOS consultant. We're the engineer 5–30 LO shops call when Encompass automation projects stalled at the integration layer.
We ship voice intake, agentic doc collection, and pre-qual logic outside the LOS — Encompass and LendingPad stay untouched. Six- to eight-week fixed scope. Borrowers get to clear-to-close in 21 days instead of 45. The first ten funded loans cover the build.
What does Advisory Labs ship for mid-market mortgage shops?
Four capabilities, ported to the mortgage origination workflow. Voice intake pre-qualifying borrowers on income, property type, occupancy, and ballpark LTV — running outside Encompass and LendingPad so the LOS stays untouched. Borrower-signal enrichment with confidence labeling. Doc workflow orchestration that routes conditions by type, not by email chain. TCPA-aware follow-up sequencing. Same engineering pattern, mortgage workflow.
Voice AI agents
Retell / Vapi + Claude + Deepgram. Sub-90-second lead response. Prompt versioning + drift detection.
Agentic lead enrichment
Right vendor per vertical: AVMs (ATTOM, Zillow, Redfin) for HEI, borrower signals for mortgage. Confidence label per field. No hallucinated values.
CRM consolidation
HubSpot replacement or augmentation. Unified deal panels. Real-time push. Role-based access.
Sequence orchestration
SMS / email / voicemail drops. Business-hours gating. TCPA-aware. Multi-touch attribution.
What does production-grade voice AI for mortgage intake actually look like?
Voice agent built on Retell + Claude + Deepgram with prompt versioning and drift detection. Pre-qualifies inbounds — income, property type, loan purpose, occupancy, ballpark LTV — against rules outside Encompass or LendingPad. After-hours intake without voicemail. Same stack we shipped at 100k-user scale, ported to your workflow. Six- to eight-week install.
What we've shipped: A real-estate voice AI dialer at 100k-user scale. Retell + Claude + Deepgram + JustCall. Script versioning, prompt rollback, drift detection between deployed agent state and source-of-truth scripts. Transcript QA via Claude Haiku — turn-by-turn observations feed back into prompt edits. 402 TypeScript files, live in production.
What that gets you in mortgage: Same stack, mortgage workflow. Pre-qual at the call — income, property type, loan purpose, occupancy, ballpark LTV — checked against configurable rules outside Encompass or LendingPad. Conditions routed by type, not by email chain. After-hours intake that doesn't fall to voicemail.
Same engineering, different vertical: the pattern transfers cleanly. Encompass doesn't need to go anywhere — the intake and routing layer talks to it, no LOS configuration changes required.
Four stages. Each one a real "no" point.
Most agencies want a contract before they understand the problem. We work backwards. Free strategy session first. Audit second. Project work only when both sides know what we're shipping. Retainer only if both sides want it.
- // 011 HR · NO COST
Free Strategy Session
A working session, not a sales call. We look at your actual lead flow and tell you where the drop-off is. No quote at the end by design.
- // 022 WEEKS · $2,500
Audit
Stack audit + 90-day roadmap + prioritized ROI estimates. The deliverable is what you should actually build, in order — and a scoped quote for the follow-on project.
- // 032–3 WK CYCLES · FROM $15,000
Project
Fixed scope, fixed price, production deployment. Voice AI, enrichment, eligibility engines, CRM consolidation — scoped after the Audit. Ships in 2–3 week cycles.
- // 046-MONTH MIN · $7,500–$15,000/MO
Retainer
Embedded engineering. Direct contribution, not just review. New component every 2–3 weeks. On-call for production. Roadmap ownership.
Mortgage operator FAQ
- Do you replace our LOS (Encompass, LendingPad, Calyx)?
- No. Your LOS stays source-of-truth. We wire voice intake, pre-qual logic, and condition routing AROUND it, not on top of it. Encompass and LendingPad have public APIs we read and write; the orchestration layer lives outside. We have never replaced an LOS in production — the only system-of-record replacements we have shipped are CRM consolidations where the operator was already running three or more overlapping tools.
- How does voice intake handle TCPA compliance?
- Voice agents respect consent state at every turn. Inbound calls are exempt by definition. Outbound dialing only fires against records with a documented consent grant; quiet-hours rules apply per state; opt-out signals (verbal "stop calling" or DTMF press) immediately halt all subsequent outreach in our system and write back to the LOS contact record. Every call is recorded with disclosure, transcripts are retained per state requirements, and a defensible audit log makes regulator review trivial.
- How long until the first system is live?
- Voice intake typically goes live in 4 weeks: week 1 audit + scope, week 2 Twilio + Retell setup + script versioning, weeks 3–4 staged rollout to a subset of inbound lines with QA on every call. Larger orchestration (doc workflow, conditions clearing) ships in 2–3 week increments after that. We deploy weekly to staging; nothing waits in a sandbox.
- Can you work with our existing CRM (HubSpot, Salesforce, BoomTown, Lofty)?
- Yes. We integrate via API; the CRM stays where it is. The most common pattern we ship: voice agent qualifies the inbound, writes a normalized lead record to your CRM with a confidence score and a structured next-action recommendation, then routes by your existing assignment rules. We have shipped against HubSpot, Salesforce, BoomTown, Lofty, Sierra Interactive, and a custom in-house CRM at 100K-user scale.
- What does AI add to doc collection that DocMagic / SimpleNexus / Floify do not already do?
- Those tools handle the borrower upload experience well. The gap they leave is on the receiving side: a human still reads the W-2 to verify income matches the application, runs eyeballs over a paystub to catch a 401k contribution that shifts DTI, checks a bank statement for large unsourced deposits. We layer Claude-driven extraction + verification rules on top of the existing portal — the borrower experience does not change, the underwriter sees a pre-validated condition file with flagged exceptions only.
- Do you do compliance work (TRID, RESPA, state licensing)?
- Compliance is a domain we engineer FOR, not a service we sell. We do not act as your compliance officer. We do build tooling that supports compliance — TRID redisclosure sentinels that diff Encompass fields hourly, RESPA-aware referral-partner portals, state-licensing-aware lead routing — but the policy interpretations come from your compliance team. We will not start an engagement without one in place.
Tell us what's broken.
We'll come back with one of three things: a strategy session invite, a pointed question, or an honest "this isn't us." Most briefs get a reply within two business days.