From Scattered Inquiries to Structured Financial Intake
The moment a client's financial inquiry is classified, documented, and routed with urgency context — before a loan officer or title agent ever reviews it.
Recommended starting point:Foundation Package
The Problem
Mortgage brokers, lenders, and title companies don't lose clients because of bad advice — they lose them in the chaos between inquiry, documentation, and engagement. Calls arrive after-hours about rate locks and closing timelines. Clients submit incomplete applications. Loan officers and title agents chase missing documents for weeks. Compliance requirements are discovered late. There is no unified memory across inquiry → qualification → document collection → processing → closing. The result is operational leakage: missed rate locks, delayed closings, stressed professionals, and a client experience that feels reactive instead of trusted.
System Architecture
Meet Your New Team
Operator isn't just software. It's a verified swarm of specialized AI agents working in concert to run your operations.
Intake Specialist
Routing Manager
Engagement Lead
Policy Expert
System Logic: Inbound inquiry received via phone or web
Intake Specialist
Qualifies intent and gathers core requirements.
Policy Expert
Checks internal SOPs for case-specific compliance.
Routing Manager
Assigns to appropriate department with full context.
Engagement Lead
Schedules automated follow-up sequence.
Where Most Financial Firms Start
Most mortgage, lending, and title companies begin with the Foundation Package, which installs Operator as a secure financial-intake front door — ensuring sensitive financial conversations are acknowledged, structured, and routed without exposing PII to cloud-based systems.
What's Included
- Operator Node (Mac Studio) — on-prem runtime (as scoped)
- OperatorOS activated (control plane app)
- Core Stack (Lite) included — baseline intake → routing → handoff loop
- One core HQ (Voice for inbound calls or Chat for web inquiries)
What It Can Do
- Capture after-hours mortgage, lending, or title inquiries with respectful confirmation and next-step messaging
- Classify financial intent: mortgage pre-qualification, refinance, title search, closing coordination, escrow questions
- Collect client readiness inputs: loan type interest (VA/FHA/Conventional), property address, closing timeline, urgency indicators
- Deliver structured routing summaries to loan officers or title agents instead of raw voicemails
What it intentionally does NOT include: Loan approval logic. Title clearance decisions. Document verification. Credit decisions. The Foundation Package establishes secure intake and routing — it does not replace professional judgment or regulatory authority.
Capability Expansion Path
HQ Pro adds domain-specific intake enforcement while remaining strictly non-advisory. Role-based routing (first-time buyer vs investor, purchase vs refi), required field enforcement, and sensitivity-aware triage.
Compliance guardrails ensure Operator language avoids advice framing, outcome predictions, or financial recommendations.
Operator HQ functions as a memory-aware coordination layer across departments and time — without making decisions:
Client continuity recognition. Friction pattern detection. Cross-department awareness (Origination, Processing, Title, Closing).
Custom Operator is designed for regulated, multi-office, or high-volume firms requiring maximum privacy and control.
Policy & SOP RAG (private). Multi-entity data siloing. Audit-ready interaction logs. Regional compliance logic. All running on-premise under firm control.
Every tier improves intake clarity and client coordination — higher tiers add domain-aware logic, compliance guardrails, and ultimately unified lending operations.
Outcomes (Modeled / Typical)
Practices deploying Operator may experience:
Outcomes vary by deployment level, but the system consistently shifts firms from fragmented intake to coordinated lending operations.
Pricing Notes
Packages cap scope, not capability.
Operator does not provide loan approvals, title clearance, financial recommendations, or credit decisions. It strictly supports intake, routing, and case preparation — it does not replace licensed professional judgment or regulatory authority.
Examples only. Capabilities vary by scope, data quality, and integrations. Not legal, medical, or financial advice.
Ready to Deploy?
See how OperatorHQ can work for your specific needs.