CFPB research shows the average homebuyer contacts just 2.04 lenders and gets 1.96 preapproval letters before deciding — a shortlist so small that losing contact with one of them is losing roughly half of everywhere that borrower was ever going to look. Ava is the reason you are still on that list.
The average borrower has a shortlist of two. This is the order the four work to make sure you stay on it.
Loan amount, property type and timeline are captured on the first call, and the pre-approval conversation is booked before the borrower moves to the next name on their list.
Conversation bookedWhat paperwork is needed, how long underwriting takes, and what happens at each step, explained consistently rather than through an email chain.
Checklist clearedFollow-up continues across SMS and email through the 30-to-60-day window a rate lock actually runs, so the borrower does not drift to the other lender on their shortlist.
Still in contactBorrowers who stalled, were declined, or bought later than expected are worked from your CRM when their situation changes, rather than left there.
Database workedA borrower shopping for a mortgage is, per CFPB data, contacting only about two lenders on average — not ten. Ava answers, captures the loan details, and books the pre-approval conversation, so you are one of the two, not the one who never called back.
Rate locks typically run 30, 45 or 60 days, per the CFPB, and Freddie Mac’s own research shows borrowers who get just one extra rate quote save roughly $1,435 over the life of the loan on average — real money that keeps borrowers comparing. Tessa runs the follow-up through that whole window, so a borrower does not go quiet mid-shop.
What paperwork is needed, how underwriting works, and what happens after the pre-approval — Kai answers these consistently, so borrowers are not waiting on a callback to gather what they need.
Generic voice AI fails in specific ways in every industry. These are the three that matter in loan originators, and how they are handled during setup.
The AI captures loan details and books time with you. Rate quoting, underwriting decisions and program eligibility stay entirely with the loan officer — the boundary is set during setup.
SMS and voice contact operate within the consent, disclosure and contact-window rules your license and jurisdiction require — configured up front rather than left to chance.
You define what the AI must never handle alone. Anything past that line is routed to a named person with the full transcript attached, rather than being guessed at. Human oversight is a design requirement, not a fallback.
There is no published "missed-call cost" figure for mortgage origination, and we are not going to invent one. What is genuinely well-sourced is how few lenders a borrower actually shops — which means each one you lose contact with is a much bigger share of the deal than in a business where people call ten places.
Worked example
| Average lenders a borrower contacts | 2.04 (CFPB, National Survey of Mortgage Originations) |
| Average preapproval letters obtained | 1.96 (CFPB) |
| Average loan estimates received | 1.37 (CFPB) |
| Savings from one extra rate quote (life of loan) | ~$1,435 average (Freddie Mac) |
| Savings from five quotes | ~$2,914 average (Freddie Mac) |
Freddie Mac’s numbers describe what the borrower gains by shopping. What they mean for you is the flip side: with an average shortlist of two lenders, being unreachable when a borrower calls does not cost you a small slice of a large pipeline — it costs you roughly half of the borrower’s entire consideration set. We have not converted that into a dollar figure for your business, because there is no honest way to do it without your own close rate.
Setup is $3,000 per AI Employee, or $10,000 for four under the Go All In plan. Published on the pricing page, not held behind a form.
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Bring your call log to the call and we will work through your actual numbers rather than an industry average.
Book my demoOr call +1 813-252-1961 directly. See all industries.
