Mortwright runs the payment, escrow, compliance, and borrower‑comms work of a servicing book on a fleet of specialised agents. Humans step in only on flagged exceptions, with the regulatory rationale already attached. Sold as a compliance product on a project-scoped engagement — not per-seat SaaS.
Escrow surplus > $1,200
→ Issue surplus election package
Two consecutive NSF reversals
→ Hold for human review
Borrower: cease-communication
→ Pause outbound, route to compliance
How it works
The same loop that ships day‑one auditors is the one that drives production throughput. There is no demo tier behind it.
STEP 01
Plug into the servicer core
Mortwright sits next to — or on top of — your existing MSP. Reads the loan ledger, escrow subledgers, and disclosure history; writes back through your approved channels.
STEP 02
Specialised agents go live
Payment, escrow, compliance, and comms agents activate against your portfolio. Each one carries an audit trail and a regulator-mapped rationale from day one.
STEP 03
Humans step in only on exceptions
Routine work — postings, reconciliations, scripted borrower outreach — runs itself. Queue exceptions route to the right reviewer with the full trace attached.
STEP 04
Reviews tighten the next cycle
Every human decision feeds the agents back. Exceptions narrow, throughput grows, and the audit trail stays continuous — month one through month sixty.
The agent fleet
Each agent carries a fixed scope, an explicit list of what it acts on without a human, and an explicit list of what it escalates.
Scope
Inbound cash + scheduled drafts, full ledger reconciliation.
Watches
Acts
Escalates to a human
Compliance posture
The teams that treat agentic AI as a pure tech buy are the ones that hit elevated failure rates. Mortwright ships with the citation posture an examiner expects already wired in, including the upcoming CFPB Reg X proposal and the March 2026 Freddie Mac AI governance mandates.
Every agent action paired with a regulator‑mapped rationale.
Cited at the line level — not a quarterly narrative after the fact.
| Regime | What Mortwright watches and produces |
|---|---|
| Reg X | Servicing procedure disclosures, QWR/NOE cadence, escrow analysis timing. |
| FDCPA | Validation notices, mini-Miranda placement, cease-communication handling. |
| RESPA | Transfer of servicing notice, annual escrow statement, tolerance cures. |
| TCPA | Prior-express-consent log, calling-window checks, SMS opt-out state. |
| Freddie Mac AI Governance | Model-intent declarations, change-log, human-in-the-loop proof — March 2026 mandates. |
Engagement
The teams that buy agentic platforms per seat end up with a tool that bills as it sits idle. Mortwright is sized against the work it actually performs.
Portfolio size
Loan count, UPB bands, delinquency mix. Drives agent allocation.
Regulatory footprint
Reg X, FDCPA, TCPA, state overlays, GSE flag for Freddie AI governance.
Exception‑handling targets
Reviewer headcount and SLA. Sets the agents’ escalation thresholds.
Pilot length
90‑day pilot, one portfolio slice, written success criteria up front.
One conversation. We'll come back with a scoped SLA and a list of which agents go live first on your book.