Digital workers for mortgage operations.
Rate sheets, guidelines, locks and Encompass updates, handled on time by digital workers that use the same investor portals your team does. No API, no new system, live in hours.
Your lock desk, current before the market moves.
Built inside a working lock desk.
Ramain runs a secondary marketing operation that supports mortgage lenders. Every workflow on this page was built for that desk and runs there every day, so we know where investor portals break, which rate sheets change mid-morning and what your lock desk needs by 9 a.m.
The lending work digital workers take on first.
| Workflow | The problem | With Ramain |
|---|---|---|
| Rate sheet and pricing pulls | Your team signs in to every investor portal each morning, and again after every reprice, to download rate sheets. | A digital worker pulls every rate sheet on schedule, checks the effective time, flags mid-day changes and delivers them to your pricing team. |
| Investor guideline downloads | Guidelines and overlays change without notice, and someone has to notice. | Digital workers download current guidelines from each investor, compare them with the last version and summarize what changed. |
| Lock desk support | Lock requests, confirmations and extensions move between your pricing engine, investor portals and inboxes by hand. | Digital workers gather the lock details, enter them in the investor portal, collect the confirmation and file it against the loan. Your lock desk approves before anything is submitted. |
| Encompass updates | Data from investor portals gets retyped into Encompass, field by field. | Digital workers map investor portal fields to the right Encompass fields and update the loan, with every change logged. |
We map one workflow with your team and size the savings first.
We sit with your lock desk or secondary team for an hour, map one workflow end to end, and estimate the hours and cost it would save. Then we build it, run it alongside your team and hand it over once your team trusts the results.
Pricing and lock calls stay at the desk.The legwork does not.
Pricing, lock and credit decisions stay with your people. Digital workers prepare the information, enter it where it needs to go and stop for approval before anything is submitted to an investor. Every action is recorded for your QC team and your examiners.
Investor portals were never built for automation.
No APIs.
Investor portals are built for people at a keyboard. There is rarely an endpoint to connect to, so the work stays manual.
Constant change.
Portals change layouts and logins without warning. RPA scripts break, and someone has to rewrite them.
Too many portals.
Each investor is different. Writing and maintaining a script for every one never pays back.
The systems your team already uses.
ICE Encompass
Optimal Blue
Polly- Investor portals for major wholesale and correspondent investors
- MISMO 3.4 files
- The shared inboxes your lock desk lives in
Questions teams ask first.
More locks handled.Fewer hands on keyboards.
See a digital worker run a process you choose, with an estimate of the time and cost it would save.