Muvix for mortgage

Built around real operations. Starting with mortgage.

Borrower records, documents, borrower messaging, pipelines and journeys — with AI that answers new leads and chases documents once the file is open. All in the workspace your team already runs, with your admin approving every agent before it starts.

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Lenders, brokerages, bank & CU mortgage divisions

Roughly 10–100 people

Open to ten founding mortgage teams

The problem

Mortgage teams aren’t short on work. They’re short on capacity.

Most files don’t stall in underwriting. They stall on one missing document and one unreturned question — over and over, across every file in the pipeline.

The document that never arrives

A request goes out for a pay stub or a bank statement. Half of it uploads, or none of it does, and someone has to notice — then chase again Thursday, and again Monday.

The question that waits until morning

A borrower asks something at 8 pm. It’s a two-line answer, and nobody sees it until morning; the file loses a day it didn’t need to lose.

The file that’s technically moving

Nothing is overdue enough to flag, so nothing flags it. It drifts a little further behind each week.

The hand-off to someone at capacity

Work doesn’t disappear when a file changes hands. It lands with whoever is already busiest and waits behind everything else.

The borrower file

One file holds the loan, the conversation, the documents and the next task.

Everything about a borrower, in one place: the record your loan officers, processors, underwriters, closers and compliance work from — and the one the agents read before they act.

Borrower, loan and property

Profile, financials, employment, property and loan on one file — moving through the lending journey from lead to funding, with time limits and triggers on each stage.

Alex Morgan · file 2026-1187

Illustration

Lead

Application

Processing

Underwriting

Closing

Funding

Borrower

Alex Morgan · self-employed

Loan

Purchase · $425,000 · loan officer Scott Davis

Property

Dallas branch

Borrower messaging

SMS and email on your own registered numbers and mailboxes, logged on the file, with consent and contact windows applied to everyone who sends.

Messages · Alex Morgan

SMS

Alex Morgan · SMS · 09:12

Sending my statements tonight — is a screenshot OK?

Scott Davis · SMS · 09:14

A PDF from your bank works best. Here’s your secure upload link.

Consent on file

Contact window 08:00–19:00

Documents, conditions and disclosures

Secure, time-limited upload links, tracked per file: what the loan needs, what arrived, what was checked and what’s still missing.

Documents & conditions · file 2026-1187

Illustration

Bank statements April–May

Verified

Pay stub

Requested by secure link

Signed disclosure

Not received

Condition: verify employment

Task for Priya Nair

Loan officer and processor tasks

Owners, due dates and follow-ups on every file — so the next step on each loan has a name and a date.

Tasks · Dallas branch

Illustration

Approve follow-up SMS to Alex Morgan

Scott Davis · loan officer · today

Due

Verify employment

Priya Nair · processor · file 2026-1187

New

Accept pay stub

Priya Nair · Wed 15:40

Done

One borrower file

Alex Morgan, file 2026-1187 — from lead to closing.

The borrower, your team, your workflows and AI each have a part; the licensed decisions stay with people.

Lead

A website form at 8 pm. Borrower Engagement replies from approved knowledge and captures the timeline.

Mon 20:14

Illustration

20:14

New lead

website form

Workflow

20:14

Borrower Engagement

replied · timeline captured

Application

Scott Davis picks up the hand-over in the morning; borrower, loan and property land on one file.

Tue 08:02

Illustration

Lead

Application

Processing

Underwriting

Closing

Funding

Documents

Secure upload links go out. Document Intelligence proposes two bank statements and flags the missing pay stub.

Documents · file 2026-1187

Illustration

Bank statements April–May

Verified

Pay stub

Follow-up sent 10:43

Signed disclosure

Not received

Follow-up

The follow-up SMS waits for Scott’s approval before it reaches Alex — inside the contact window.

Messages · Alex Morgan

SMS

Alex Morgan · SMS · 20:12

Is a screenshot of my statements OK?

Draft · for Scott Davis to approve

A PDF from your bank works best. Here’s your secure upload link.

Processing

Priya Nair accepts the pay stub, picks up the employment check, and the journey moves the file on.

Wed 15:40

Illustration

Accept pay stub

Priya Nair · processor

Done

Verify employment

Priya Nair · processor

New

Underwriting & closing

Licensed decisions stay with people — and the loan officer on the file can’t also be its underwriter.

Separation of duties

Illustration

Underwriter

Not the loan officer on the file

Person

Follow-up and documents

Two agents on the file. One team in control.

Borrower Engagement works the front of the process; Document Intelligence works the middle. Both work inside the borrower’s file, under the same roles, reviews and audit log as your team.

SMS · Email

Borrower Engagement

Answers new leads from your own knowledge and keeps borrowers moving between conversations.

Picks up a new lead the moment it arrives — the 8 pm question too — and answers from your approved knowledge.

Keeps context across SMS and email, so a borrower is never asked the same thing twice.

Hands the borrower over to your loan officer when the lead becomes a customer.

What stays with your team

You choose whether it sends on its own or drafts for a person to approve — and every message is logged to the borrower’s file.

Explore the agent

Lead · Alex Morgan

Illustration

Mon 20:14

New lead

website form · self-employed · about $425k

Workflow

Mon 20:14

Borrower Engagement

replied from approved knowledge · captured the timeline

Tue 08:02

Scott Davis

picked up the hand-over · application started

Team

Documents · file 2026-1187

Illustration

Wed 10:05

Alex Morgan

uploaded 2 files via secure link

Customer

Wed 10:41

Document Intelligence

proposed 2 bank statements · pay stub missing

Wed 15:40

Priya Nair

accepted the pay stub · documents complete

Team

Secure upload links · Email · SMS

Document Intelligence

Requests, tracks and reviews the documents a file needs — and flags gaps before anyone has to notice.

Requests what’s missing — a pay stub, April–May bank statements — through a secure upload link, and tracks what arrives.

Checks each document against the loan file — right type, right period, right person.

Proposes the document type and the values it read, with the evidence it used.

What stays with your team

A processor accepts, corrects or rejects each proposal — nothing updates the file without that step.

Explore the agent

How an agent is hired

An agent is hired the way a new teammate is.

Nobody on your team can switch on an agent by themselves. That’s the point.

Requested

A loan officer asks for an agent. That’s as far as their authority goes.

Approved

Your admin reviews the scope and approves the hire. Billing doesn’t start before that approval.

Scoped

Set at hire — including whether it sends on its own or drafts for a person to approve.

Audited

Every action is recorded: who or what did it, when, on which borrower, and what changed.

You decide what runs on its own

Borrower messages wait for a person — unless your admin decides otherwise.

Nothing switches on by itself. Every agent is requested and approved, and every action is recorded on the borrower’s file.

Default

Waits for a person

A message an agent prepares for a borrower waits in the file until the loan officer approves, edits or discards it.

Prepared for review

Needs review

To Alex Morgan · SMS · File 2026-1187

Hi Alex — thanks for the bank statements, they’re verified. One item is still missing: a recent pay stub for income verification. You can upload it here: muvix.link/u/7f3k

Approve & send

Edit

Reject

Scott Davis reviewing

Your admin’s choice

Admin decides otherwise

Your admin can let a hired agent send on its own, inside the scope it was given — and every message it sends is still logged to the file.

Prepared for review

Approved · sent

To Alex Morgan · SMS · File 2026-1187

Hi Alex — thanks for the bank statements, they’re verified. One item is still missing: a recent pay stub for income verification. You can upload it here: muvix.link/u/7f3k

Approved by Scott Davis · sent 10:43 · logged to the file

How governance works

FAQ

Questions mortgage teams ask.

Which loan types and channels do you support?

Residential purchase and refinance workflows for lenders, brokers and bank or credit-union mortgage divisions. Borrower communication runs over SMS and email.

Do agents make credit or underwriting decisions?

No. Agents prepare, request, review and draft. Decisions stay with licensed people.

What about compliance?

Roles with separation of duties, consent and disclosure rules, review before AI-drafted borrower messages are sent, and an audit log retained for review. Compliance officers are a first-class role in the workspace.

Where does our borrower data live?

In your own workspace. You own it. It isn’t shared across customers and it isn’t sold. Documents move through secure, time-limited upload links.

Apply to be one of the first ten teams.

Founding pricing in writing, onboarding from the people who build Muvix, and a real say in which agent ships next.

Apply for early access

Book a demo

Or book a demo: thirty minutes with someone who builds the product, using your stages, document list and follow-up rules.