Industries · Financial Services
Fred for mortgage & lending.
Answer borrower questions, capture applications, and book loan officers around the clock, an AI agent that fills the pipeline and never quotes a rate or approves a loan.
Every borrower, captured and routed.
A first-time buyer is up late wondering what they can afford and what your rates look like. Fred answers the general questions, captures the lead, and connects them with a loan officer, while rates, terms, and approvals stay with a licensed professional and the right disclosures.
What Fred does
- Answers programs, process, and general questions
- Captures purchase and refinance leads
- Connects borrowers with a licensed loan officer
- Redacts sensitive data like SSNs
When Fred hands off to you
- A request for an APR, rate, or loan terms
- An approval, pre-approval, or denial question
- Foreclosure, loan modification, or fraud
- A borrower ready to apply
What Fred won’t do
- Quote an APR, rate, or payment
- Approve, pre-approve, or deny a loan
- Steer a borrower to a product or provider
Pre-configured for mortgage and lending: purchase, refinance, and servicing inquiries; rates and approvals handled by licensed loan officers.
Dreaming of a home. Fred starts the file.
Talk to Fred.
Server-side guardrails
The guardrails you manage in the admin, enforced before Fred replies.
Every mortgage and lending deployment runs the Mortgage & Lending pack. This is the compliance panel you manage in the admin: the industry pack automation, your own custom rules, and the hard limits Fred holds no matter how it’s asked. All of it is enforced in code before a word reaches the visitor. Not a suggestion in a prompt a clever question can talk around.
Automated Guardrail Actions
Pack rules enforced in addition to baseline protections.industry.mortgage-lending
| Rule ID | Action | Severity | Phase | Message | Triggers |
|---|---|---|---|---|---|
| ml-fraud-escalate | ESCALATE | S4 | input | This needs immediate attention from our fraud and security team. Let me connect you right away. | contains: fraud on my mortgage, someone opened a loan in my name, identity theft mortgage +9 |
| ml-foreclosure-escalate | ESCALATE | S3 | input | Foreclosure situations have time-sensitive options and protections. Let me connect you with a servicing specialist who can review your specific situation immediately. | contains: foreclosure, foreclosure notice, pre-foreclosure +10 |
| ml-adverse-action-escalate | ESCALATE | S3 | input | Loan decision inquiries require a compliance review. Let me connect you with someone who can walk you through the specifics of your application. | contains: why was I denied, loan denied, application denied +9 |
| ml-no-apr-quotes | ESCALATE | S3 | input | APR and rate quotes require specific disclosures and depend on your full financial picture. Let me connect you with a licensed loan officer who can provide accurate figures. | contains: quote apr, exact apr, lock my rate +11 |
| ml-trigger-terms | DENY | S3 | output | Specific loan terms require full TILA disclosures. A licensed loan officer can provide complete and accurate terms for your situation. | contains: $ down, % down payment, monthly payment of $ +11 |
| ml-no-approvals | ESCALATE | S3 | input | Loan approvals and pre-approvals require a licensed loan officer and formal underwriting. Let me connect you with our lending team. | contains: approve my loan, pre approve me, underwrite me +11 |
| ml-loss-mitigation-escalate | ESCALATE | S3 | input | We have programs that may be able to help. Let me connect you with a servicing specialist who can review your options based on your situation. | contains: loan modification, modify my loan, forbearance +11 |
| ml-account-access-escalate | ESCALATE | S3 | input | I can't access account-specific information here. Let me connect you with our servicing team who can pull up your details securely. | contains: my loan balance, my loan status, my escrow balance +10 |
| ml-ecoa-compliance | DENY | S3 | output | Lending decisions must comply with fair lending laws. Let me connect you with a loan officer who can properly evaluate your application. | contains: because of your age, due to your race, based on your marital status +10 |
| ml-anti-steering | DENY | S3 | output | Loan product recommendations require a licensed loan officer who can evaluate your complete financial picture. Let me connect you with one. | contains: you should choose this loan, this is the best loan for you, I recommend this product +8 |
| ml-respa-referral | DENY | S3 | output | You have the right to choose your own settlement service providers. A loan officer can explain your options without any required referrals. | contains: use this title company, we recommend this appraiser, our preferred settlement provider +7 |
| ml-redact-sensitive | REDACT | S3 | input | For your security, I've removed sensitive information from this conversation. Never share SSN, tax IDs, or account numbers in chat. | contains: ssn, social security, itin +7 |
| ml-application-escalate | ESCALATE | S2 | input | Exciting! Let me connect you with a licensed loan officer who can walk you through your options and get the process started. | contains: apply for a mortgage, looking to buy a home, first time homebuyer +12 |
| ml-disclaimer | DISCLAIMER | S2 | output | contains: mortgage, loan, refinance +12 |
Hard limits
The boundaries Fred holds, no matter how a visitor asks.
- Never quotes an APR, rate, or loan terms, those need full disclosures from a loan officer
- Never approves, pre-approves, or denies a loan
- Holds fair-lending and anti-steering lines, never steers products or providers
- Routes fraud, foreclosure, and loan-modification to a specialist fast; redacts SSNs
Your custom rules
Layered on top of the pack, unique to your business. No developer required.
The pack is the starting line, not the ceiling. Every deployment can add its own rules in the admin, block, warn, or just log on any phrase you choose, in either phase, with your own response message. They run right alongside the pack.
- BLOCKoff-topic requests that aren't your business
- WARNbefore any rate or payment is quoted
- LOGwhen a visitor asks about a specific loan
These industry rules stack on top of the always-on baseline, your region’s privacy and fair-lending rules, and macro overlays. See how the guardrail layers work
Know which lead to call back first.
Every conversation lands in your CRM with a lead score, a purchase probability, and a plain-language summary. The ready-to-apply buyer and the refinance lead get called before the rate-shopper, so your team works the highest-value lead first instead of guessing.
Mortgage questions.
Will Fred quote a rate or APR?
No. Rate and APR quotes require disclosures and your full financial picture, so a licensed loan officer provides them. Fred captures the lead and connects you.
Can Fred approve or pre-approve me?
No. Approvals and pre-approvals require a licensed loan officer and formal underwriting. Fred routes you to the lending team.
What about foreclosure or a loan modification?
Fred treats these as time-sensitive and routes them straight to a servicing specialist rather than handling them itself.
Is my information safe?
Fred redacts sensitive data like Social Security numbers and never asks you to share them in chat. Sensitive steps happen with your team securely.
Fill every pipeline. Stay in your lane.
Go live in about 20 minutes. Or ask Fred a question right now, it is in the corner of this page.