Top 5 Use Cases for AI Voice Agents in Mortgage Lending

January 26, 2026
Marr Labs

AI voice agents are quickly becoming core infrastructure for mortgage lenders that want to work more leads, reduce friction, and stay compliant without growing call-center headcount. The biggest wins are concentrated in a handful of high-leverage workflows where speed, consistency, and integration matter most.​

This article breaks down the top 5 AI voice use cases in mortgage lending, with practical examples and how top lenders are using Marr Labs to deploy them in production.

1. Inbound Lead Qualification and Speed-to-Lead

Why This Use Case Matters

In competitive markets, the first lender to engage often wins the deal. Borrowers submit forms across multiple sites, and if they don’t hear back quickly, they move on. Human teams struggle to follow up instantly on every inquiry, especially after business hours and on weekends.​

An AI voice agent fixes this by answering or calling back within seconds, qualifying the borrower, and either transferring live or booking time for the loan officer to call back.​

How Marr Labs’ AI Voice Agents Handle Lead Qualification

Our mortgage-trained voice agent can:

  • Respond immediately when a web form is submitted or a call comes in
  • Ask key qualification questions such as: property type, price range, down payment, income, timeframe, and basic credit tier.
  • Capture structured answers and write them into your CRM or LOS.
  • Warm transfer high-intent borrowers to an available loan officer, or schedule a callback if the loan officer is busy.​

Instead of loan officers picking up cold or incomplete leads, they start conversations with a clear picture of borrower goals and basic fit.

2. Appointment Scheduling and Calendar Orchestration

The Scheduling Headache for Lenders

Coordinating time across borrowers, loan officers, and sometimes real estate agents can be a surprisingly big drag on productivity. Back-and-forth emails, missed calls, and partial voicemails eat into selling time and slow down the pipeline.​

Lenders rarely have the staffing to offer true 24/7 scheduling, yet that’s when many borrowers are researching, comparing, and ready to book an initial conversation.

Marr Labs’ AI Voice Agents Automate Scheduling

Our AI voice agents connect to your calendar and CRM of choice to:

  • Offer available time slots to borrowers in real time during calls.
  • Book those slots directly, avoiding manual back-and-forth.
  • Send automatic confirmations and reminders via SMS/email.
  • Reschedule and update calendar entries when borrowers’ plans change.​

This works for:

  • First-contact discovery calls.
  • Pre-approval consultations.
  • Rate-lock or conditions-review meetings.
  • Post-closing relationship check-ins.

3. Document Collection and Proactive Reminders

Why Doc Chasing Is a Prime Target for Automation

Missing or late documents are one of the most common reasons files stall in underwriting. Processors and loan officers spend countless hours explaining requirements, asking for updated statements, and reminding borrowers what’s still outstanding.​

This work is necessary, but it’s also repetitive and highly standardized—making it a perfect fit for AI voice agents.

How Marr Labs’ AI Voice Agents Support Doc Collection

Our AI voice agents integrated with your LOS can:

  • Explain required documents in plain, borrower-friendly language (e.g., pay stubs, W‑2s, tax returns, bank statements, LOEs).
  • Call or text borrowers when new conditions are added, walking them through what’s needed and how to upload securely.
  • Confirm receipt and remind borrowers if a due date is approaching or items remain outstanding.
  • Update status notes back into LOS/CRM when borrowers say they’ve uploaded or mailed documents.​

This takes pressure off processors and ensures borrowers get consistent, clear communication about what’s needed and why.

4. Application Status Updates and Borrower Support

The Cost of “What’s Going On With My Loan?”

One of the biggest call drivers for lenders is simple status questions: “Did you get my documents?” “Has underwriting looked at my file?” “When will I close?” Staff spend a large portion of their day answering these calls or returning voicemails.​

The result: borrowers get frustrated when they can’t get quick answers, and teams feel stretched thin by repetitive status updates.

How Marr Labs’ AI Voice Agents Handle Status Calls

When tied into your LOS and servicing systems, our AI voice agents can:

  • Answer status calls 24/7 instead of sending borrowers to voicemail.
  • Provide up-to-date milestones such as “submitted,” “in underwriting,” “conditions outstanding,” “clear to close,” or “closing scheduled.”
  • Confirm which steps the borrower has completed and what comes next.
  • Route complex issues (e.g., appraisal disputes, underwriting exceptions) to human staff with full context.​

You can also flip this around: outbound status calls or reminders when key milestones are hit, preventing inbound spikes.

5. Servicing Outreach and Customer Retention

Why Servicing Is a Voice AI Sweet Spot

On the servicing side, outreach volume can be high and time-sensitive—especially for delinquency, escrow changes, loss-mitigation options, and retention campaigns. Manual staff can’t always reach every borrower in the right time window, and contact centers face pressure to maintain compliance on every call.​

These are high-stakes interactions where both consistency and empathy matter.

How Marr Labs’ AI Voice Agents Support Servicing

Mortgage servicers are using AI voice agents to:

  • Proactively contact borrowers when risk signals appear (e.g., late payments or rate resets).
  • Explain options like payment plans, deferments, or refinance paths at a high level, within defined guardrails.
  • Collect simple confirmations (e.g., “yes, that payment is on the way” or “I’d like to talk to someone about help options”) and route to specialized staff.
  • Provide quick answers about payment status, escrow questions, or statement issues.​

Because every call is transcribed and logged in your CRM, teams can review interactions and regulators can see a complete record of outbound and inbound servicing conversations.

How These 5 Use Cases Deliver ROI

While AI voice agents can support many parts of the mortgage lifecycle, these five use cases consistently deliver outsized returns because they:

  • Attack the biggest bottlenecks: speed-to-lead, scheduling, doc collection, status calls, and servicing outreach.
  • Blend revenue and cost impact: more worked leads and closed loans, with fewer manual calls and less low-value work for staff.​
  • Fit naturally into your existing systems: call flows, LOS, and CRM connections without re-architecting your entire tech stack.​
  • Are straightforward to measure: contact rates, conversion, cycle time, call volumes, and borrower satisfaction.​

Platforms like Marr Labs are built to plug into these use cases quickly, letting lenders start with one or two workflows and expand as value is proven.

Next Steps: How to Turn Our Use Cases Into Your Reality

If you’re evaluating AI voice agents, a practical approach is:

  1. Pick 1–2 use cases from this list that map to your most pressing goals (e.g., inbound lead qualification for sales, or status updates and servicing outreach for operations).
  2. Define clear KPIs (speed-to-lead, conversion, call deflection, NPS/CSAT).
  3. Run a contained pilot with Marr Labs, so you can see how we integrate with your LOS/CRM (no technical expertise on your side required) and evaluate the full analytics.​

Ready to address your needs one, or five, use cases at a time? It’s easy to get started! Launch a Marr Labs pilot focused on your highest-impact use case.​

Why Loan Officers (LOs) Are Turning to AI Voice Agents to Close More Deals

January 9, 2026
Marr Labs

A New Reality for High-Performing LOs

Top-producing loan officers are living in a paradox. There have never been more lead sources, referral partners, and channels to manage, but with these tools and technologies come more distractions, callbacks, and repetitive tasks eating into selling time.​

Borrowers expect near-instant responses and clear next steps. Over half of borrowers will go with the first lender who contacts them, which means even a great LO can lose deals simply because they were on another call or in a closing. AI voice agents solve this problem by acting as always-on, mortgage-trained assistants that pick up the phone, qualify borrowers, and keep pipelines moving, even when the LO is unavailable.​

Marr Labs builds these voice agents specifically for mortgage lenders and originators. They’re designed to sound natural, qualify like an experienced assistant, and hand off to licensed LOs at exactly the right moment, so nothing falls through the cracks.​

How AI Voice Agents Help LOs Sell More, Not Work More

1. Never Miss a High-Intent Lead Again

The highest-intent leads from online forms, rate-quote requests, and marketplace leads go cold quickly if they’re not contacted in minutes.​

AI voice agents:

  • Call or answer within seconds of form submission or inbound inquiry.
  • Greet the borrower, confirm basic details, and ask the right qualification questions.
  • Either warm-transfer directly to the LO if available or book a calendar slot if not.​

Marr Labs’ POC program is designed to prove this: call leads in under a second after form submit, complete up to 1,000 calls, and show a KPI report on contact rates, qualification, and transfers—without asking loan officers to change CRMs or workflows up front.​

For the LO, this means fewer missed opportunities from being in a meeting, at an open house, or simply off the clock.

2. Offload Repetitive Intake and Scheduling

Most loan officers know the pain of answering the same intake questions multiple times a day and playing calendar tag with borrowers and agents.​

AI voice agents can:

  • Run the standard intake script consistently, every time: property type, purchase price, down payment, income ballpark, credit range, etc. 
  • Write the answers directly into your CRM or LOS so the LO sees a ready-made summary instead of scattered notes.​
  • Check the LO’s calendar and propose available times, then send confirmations and reminders automatically.​

Marr Labs integrates directly with CRM and telephony, so the agent’s call results and notes show up exactly where LOs already live, without new logins or extra data entry.​

The result: more first conversations start with, “I see you’re looking at a $550k purchase with 10% down and W-2 income. Let’s talk structure,” instead of “So, remind me what you’re trying to do again?”

3. Multiply Follow-Up Without Burning Out

Every LO knows they “should” follow up more on pre-approvals that went quiet, real estate agent referrals, or old leads that never reached the application stage. In reality, bandwidth and human energy are limited.​

AI Voice Agents help by:

  • Automating polite, persistent follow-up calls (“Just checking if you have any questions or want to revisit your pre-approval.”).
  • Handling voicemail landings, scheduling callbacks, or answering basic questions without the LO getting involved.​
  • Surfacing only the hot, engaged borrowers back to the LO—people who picked up, answered questions, and signaled intent.

Case studies in mortgage and other lending verticals show AI voice agents lifting contact rates and keeping more applications from stalling out simply by being relentless and consistent in follow-up.​

For the LO, this is the difference between “I called twice and then moved on” and “every serious borrower heard from your team multiple times, at the right moments, without you living in a dialer.”

4. Protect LO Time for Real Selling

Loan officers are at their best when they’re structuring deals, handling objections, and building relationships with borrowers and agents, not when they’re resetting passwords, answering the same rate question for the tenth time today, or manually chasing a bank statement.​

Well-designed AI voice agents take on:

  • Frequently asked questions about rates, docs, and timelines (“Where do I upload docs?” “Did you get my pay stub?” “What’s my status?”).​
  • Routine pipeline updates (“Your appraisal is scheduled for Thursday at 3 p.m.”) based on LOS data.​
  • Initial document explanation and reminders, using clear language and 24/7 availability.​

Platforms like Marr Labs emphasize “voice agents that work, not just talk”: they’re integrated into borrower workflows, so when the AI says, “We still need your bank statements,” it’s reading that directly from live systems, not guessing.​

This reshapes an LO’s day: fewer interruptions and more concentrated blocks of time for the conversations that actually move loans to close.

5. Give Borrowers a Better, More Consistent Experience

Borrowers don’t just judge a lender on rate. They judge them on clarity, responsiveness, and whether they feel like someone is “on it.”​

AI voice agents:

  • Answer calls consistently, so borrowers don’t hit voicemail or endless hold music when their LO is tied up.​
  • Deliver consistent, compliant explanations of next steps and timelines, reducing confusion and back-and-forth.​
  • Hand off to humans in a warm, context-rich way (“I’ve just connected you with Alex, your loan officer. We’ve already discussed X, Y, Z.”).​

Marr Labs highlights that the real value isn’t just in a human-sounding voice; it’s in the orchestration of who’s called, what’s said, what’s captured, and what happens next. That’s exactly what borrowers feel: fewer dropped balls, smoother handoffs, and less repetition.​

A smoother borrower experience tends to show up where LOs care most: better reviews, more agent referrals, and easier repeat business.​

How Marr Labs’ Mortgage Loan Officer Assistant Works for LOs

Built for Mortgage Sales, Not Generic Call Centers

Marr Labs positions its Mortgage Loan Officer Assistant as infrastructure built specifically for lenders and originators, not a generic “voice bot” you have to bend to fit your world.​

Key attributes:

  • Mortgage-native: Pre-trained on mortgage language, loan workflows, and common scenarios like pre-approval, refi, and HELOC calls.​
  • Integrated: Connects to CRM and telephony, writes directly into your systems, and respects your routing and escalation rules.​
  • Secure and compliant: Operates in a closed-loop ecosystem with data staying in your environment or theirs, with pre-trained regulatory awareness and enterprise security reviews.​

For the LO, the benefit is simple: the AI behaves like a smart, compliant assistant that understands mortgage, not a generic bot that needs constant babysitting.

Real-World Scenarios LOs Care About

Here’s what it feels like in practice:

  • New online lead: Someone fills out a form at 9:17 p.m. The Marr Labs agent calls them in under a second, gathers key info, and books a call on your calendar for 8:30 a.m. the next morning. When you open your CRM, their file is already populated.​
  • Busy refinance day: Rates drop and your phone blows up. The AI catches overflow calls, answers basic questions, and transfers the most qualified callers to you when you’re free, reducing abandoned calls.​
  • Stalled pre-approvals: The agent periodically checks in with pre-approved borrowers who haven’t gone under contract, keeping your name top of mind and surfacing those who are ready to move forward.​
  • Partner lead coverage: Your real estate agent partner texts you about a new buyer while you’re in a closing. You send the lead into the AI flow, which calls within seconds, qualifies and schedules a consult, making you look responsive and professional.​

These are the moments where deals are won or lost. Marr Labs designs its agents to cover those edges so LOs can focus on being closers and advisors.​

“Is This Going to Replace Me?” and Other LO Concerns

Concern 1: “AI Will Replace Loan Officers”

Industry experts and AI builders consistently point out that voice AI automates intake, document collection, and follow-ups—not relationship-building, structuring, or negotiation.​

In practice:

  • AI runs the front-end intake and routine calls.
  • LOs step in for complex scenarios, pricing discussions, and final commitments.
  • As volume grows, AI lets each LO handle more qualified opportunities instead of more noise.​

As one founder quoted in Forbes put it, AI in lending is more like the ATM: it changes the shape of the job but doesn’t eliminate the need for skilled humans.​

Concern 2: “Will Borrowers Hate Talking to a Bot?”

Borrowers do hate bad automation. They also hate voicemail, unreturned calls, and vague answers. Good voice AI is designed to be:

  • Natural-sounding, with human-like intonation.​
  • Transparent about being AI but focused on solving the borrower’s problem quickly.​
  • Ready to transfer to a human whenever the borrower requests it, or complexity demands it.​

Marr Labs agents are both useful and human-sounding. LOs and borrowers alike care more about outcome than novelty, so long as the bot gets them where they need to go.​

Concern 3: “Is This Safe From a Compliance Perspective?”

Compliance and LO licensing are crucial considerations. Mature platforms:

  • Are pre-trained to avoid prohibited statements and discriminatory factors.​
  • Operate within clear guardrails and hand off to licensed humans for advice or final decisions where required.​
  • Provide full transcripts and recordings for audit and QA.​

Marr Labs positions its system as meeting strict lender and servicer demands: closed-loop data, enterprise security reviews, and pre-trained regulatory alignment, giving compliance officers and LOs confidence that the agent is an asset, not a risk.​

When Should an LO or Sales Leader Pull the Trigger?

If you’re a producing LO, branch manager, or head of sales, the signals that it’s time to explore AI voice agents are straightforward:

  • You consistently miss calls or leads during busy periods.
  • You spend more time chasing docs and scheduling than advising.
  • Your team works hard but can’t meaningfully increase volume without burnout.
  • Referral partners say some of their leads “went dark” after they sent them over.​

Platforms like Marr Labs make it easy to test this with a contained pilot:

  • Run a production-grade AI voice agent on a slice of your workflow.
  • Let it handle up to 1,000 calls with full CRM integration.
  • Review a KPI report showing speed-to-lead, qualification accuracy, transfer success, and borrower experience.​

If the numbers and LO feedback are strong, you can then expand coverage with confidence.

Try it for Yourself: Hear It in Action

AI voice agents are quickly becoming standard for high-performing loan officers who want to protect their time and focus on closing more deals without burning out.

Marr Labs’ Mortgage Loan Officer Assistant is built for that exact outcome:

  • Instant lead engagement
  • Smart qualification and routing
  • Human-like conversations that feel seamless to borrowers
  • Integration with the systems you already use​

Ready to hear how this would work for your team? Try a call now.

Rocket Mortgage + Marr Labs: The Future Is Calling

December 18, 2025
Chris Barnett
Head of Biz Dev & Solutions

Outbound calling can move fast and, in the mortgage industry, involves important compliance responsibilities, which can add challenges of accuracy at scale. Rocket Mortgage approached Marr Labs with a clear goal; elevate outbound performance in a way that creates a smoother path for customers and supports bankers.

Together, we set out to build an intelligent, efficient outbound tool that works reliably in the real world and adapts with every conversation.

Outbound, Reimagined

Outbound engagement shapes each customer’s experience through countless small moments, from choosing the right time to reach out, to offering the right message, understanding their needs, easing concerns, and guiding them smoothly to the help they need. Marr Labs’ AI voice agents were built to manage these complexities with consistency, accuracy, and a natural phone experience.

Today, customers move through the process with less friction as agents confirm interest, understand needs, gather essential details and connect them with the right support. The effects carry through operations and banker workflows and ultimately shape a smoother experience for Rocket Mortgage’s clients.

Iterate Relentlessly. Perform Consistently.

The relationship is driven by tight feedback loops, structured experimentation, and rapid development cycles. Marr Labs and Rocket Mortgage use a disciplined testing framework to evaluate every change — from conversational phrasing to routing logic — ensuring each improvement is validated before it scales.

This ongoing collaboration has produced:

  • Better detection of customer intent
  • Higher connection and qualification performance
  • Clearer, more predictable handoffs
  • Quality and consistency at large volumes
  • Faster rollout of high-performing improvements

Outbound is less ambiguous and is now becoming a repeatable, measurable, ROI-driving tool.

Focused on What Matters: Results

Marr Labs provides the adaptive agent tool. Rocket Mortgage brings operational depth and a culture of speed and putting the client first. Together, the teams have built a tool that is:

  • Fast to deploy
  • Quick to iterate
  • Tied directly to business outcomes

This is more than automation. It is a new model for how AI and humans collaborate to drive value.

Reaching a Milestone for Outbound in Lending

Inbound support has evolved rapidly through AI. Outbound is the next major frontier, and Rocket Mortgage is already moving forward. The combination of Rocket Mortgage’s innovation mindset and Marr Labs’ agentic tool is creating a future where:

  • Dialing is immediate
  • Conversations are more contextual
  • Client needs are clearly understood before handing off to a banker
  • Each improvement compounds across the entire process

The future of lending won’t just be faster.
It will be more personal, more intelligent, and more efficient.

And that future is calling.

Why Outbound Calling Is So Much Harder Than Inbound for AI

January 5, 2026
Marr Labs

Most people think of AI on the phone as something simple: the phone rings, the AI agent answers, and the caller explains what they need. And in that world, AI seems pretty capable.

That’s because inbound calls start with clarity.

Someone is calling with a purpose. They already know what they want. Even if they’re frustrated or confused, they’re still driving the conversation in a particular direction.

Outbound calling is the opposite.

And for AI, it’s one of the most complex challenges in voice technology. Many vendors quietly avoid it. The ones who try often end up with calls that sound robotic or stumble the moment a human says something unpredictable.

This is the problem space Marr Labs was built for.

Here’s why outbound calling is so much more complex.

Inbound gives you structure. Outbound begins in confusion.

When someone calls their lender, they have an apparent reason. They’re checking a status, asking a question, or trying to get something done. The AI has a starting point.

Outbound conversations begin with uncertainty.

We are interrupting someone’s day. They don’t know who is calling or why. Their first words are often:

“Hello?”
“Who is this?”
“Can this be quick?”
“Is this legit?”

Before Marr Labs can ask a single question, the agent has to establish clarity and trust. Not in a minute. In the first two seconds. If the AI sounds slow, stiff, or unsure, the call is over.

People answer the phone in unpredictable ways.

Inbound calls often follow a pattern. Outbound calls do not. 

Borrowers answer while walking the dog, sitting in traffic, whispering at work, or juggling their kids. You hear background noise, half-sentences, interruptions, suspicious tones, and sudden changes in energy.

A Marr agent has to process all of this in real time. It must understand what was said, how it was said, and what the borrower is feeling. Then it has to respond naturally, without hesitation.

Generic LLM-based voice tools aren’t built for this. They expect clean audio and long pauses. Outbound gives them the opposite.

Speed-to-voice is everything in mortgage.

In mortgage lead conversion, seconds matter.

When a borrower submits a LendingTree form or a similar service, Marr Labs can call them within one second.

That tiny window requires a surprising amount of coordination: receiving the lead, placing the call, connecting, detecting that the person has said “hello,” and then speaking with lifelike timing. 

All of this has to happen at human speed. If the AI hesitates, the borrower loses trust.

Humans are naturally good at this. AI systems are not unless they’re designed for it from the ground up.

Mortgage conversations aren’t generic; the AI can’t be either.

Inbound callers give some grace because they chose to call. 

Outbound call recipients do not. 

They evaluate you immediately. Do you sound friendly? Competent? Confident? Are you wasting their time?

An outbound AI agent must match tone, pace, and energy instantly. It needs to sense irritation, confusion, interest, or distraction and adjust in real time. It needs to know when to move forward and when to slow down.

This is why our agents are trained with real scripts, honest borrower conversations, and real mortgage workflows.

Outbound calls require emotional intelligence.

Outbound calling has more compliance risk.

Outbound dialing involves a much more complex regulatory environment than inbound.

There are calling windows, do-not-call lists, licensing limits, disclosures, recording rules, and escalation paths. The agent must follow all of these perfectly, without exception.

One mistake is all it takes to create exposure.

Most general-purpose AI systems aren’t built with this level of structure or consistency. Marr Labs is.

Outbound failures cost real money.

A bad inbound call is a customer experience problem.
A bad outbound call is a revenue problem.

Every missed connection or awkward moment can mean:

  • a lost lead
  • a lost refinance
  • a lost application
  • a borrower captured by a competitor

This is why reliability matters so much. Marr Labs delivers enterprise-grade uptime and high task completion rates in environments where the stakes are real.

Why Marr Labs succeeds where others struggle

Most voice AI platforms are built around a simple idea: the AI listens, thinks, and talks.
But outbound calling requires far more than that.

A Marr agent coordinates:

  • fast and accurate speech recognition
  • human-like voices
  • real-time reasoning
  • CRM lookups
  • telephony events
  • warm transfers
  • compliance rules

All at the same time, and fast enough to feel natural.

This is what makes outbound calling so hard for AI and why Marr Labs invests so deeply in solving it.

Outbound calling is messy and high-stakes, but it is also where lenders gain enormous leverage. It’s the part of the business that actually scales revenue, not just service. And that’s why it became our specialty.

Complete Guide to AI Voice Agents for Mortgage Lending

January 14, 2026
Marr Labs

Introduction

Mortgage lending is hitting a structural reset. Borrowers expect instant, 24/7 answers, Loan Officers are juggling more communications channels than ever, and the cost to originate a loan keeps creeping up. AI voice agents are emerging as one of the few levers that can move all three constraints–speed, cost, and borrower experience—at once.​

For top mortgage lenders, voice AI is no longer a novelty. It’s becoming infrastructure: qualifying leads in minutes, orchestrating complex workflows, and enforcing compliance at scale. Early adopters are already reporting double-digit improvements in worked opportunities and cycle time compression measured in days.

This guide is written for modern mortgage executives, technologists, and revenue leaders who want a complete picture: what AI voice agents are, how they work with your LOS and CRM, how to stay compliant, what implementation really looks like, where the risks are, and how to measure ROI.

Table of Contents

  1. What Are AI Voice Agents?
  2. Why Mortgage Lenders Need Voice AI Now
  3. How AI Voice Agents Work (Technical Architecture)
  4. Core Mortgage Use Cases
  5. Compliance and Risk Management
  6. Implementation and Integration (8–12 Week Plan)
  7. Measuring ROI and KPIs That Matter
  8. Real-World Impact and Marr Labs Example
  9. Challenges, Risks, and How to De-Risk Adoption
  10. The Future of Voice AI in Mortgage
  11. FAQ

What Are AI Voice Agents?

From IVR to Agentic AI

Legacy IVRs and basic phone trees were built to route calls and reduce headcount, not to understand borrowers. They forced people into rigid menus and handed off context-poor calls to overloaded loan officers.​

Modern AI voice agents are different in three fundamental ways:

  1. They understand natural speech using advanced speech-to-text and NLP.
  2. They maintain context over multi-step conversations and across channels.
  3. They take actions like scheduling and updating LOS/CRM without human intervention.​

In other words, they behave less like automated receptionists and more like digital loan officer assistants that operate 24/7.

Core Technologies in Plain English

Under the hood, a production-ready voice agent combines:

  • Speech recognition: Converting borrower speech to text in real time with high accuracy, including different accents and noisy environments.​
  • Natural language understanding (NLU): Determining intent (“I’m thinking about refinancing,” “What’s my status?”) rather than just parsing keywords.
  • Large language models (LLMs): Generating human-like, context-aware responses that can explain mortgage concepts and handle follow-up questions.​
  • Dialogue management: Tracking what’s been asked and answered so the conversation flows logically and doesn’t repeat.
  • Orchestration layer: Integrating with your LOS, CRM, pricing engine, appraisal systems, and calendar to read and write data as the conversation unfolds.
  • Compliance guardrails: Templates, rules, and monitoring that constrain what the agent can say and log every interaction.​

Mortgage-native platforms like Marr Labs pre-train these components on mortgage terminology and typical borrower journeys, then fine-tune them to each lender’s products, overlays, and workflows.​

What “Agentic” Really Means

Agentic voice AI goes beyond “answering questions.” It:

  • Decides what to do next: Qualify, schedule, transfer, or follow up later.
  • Executes tasks: Books appointments, sends disclosures or doc links, updates CRM records, or opens an application in your LOS.​
  • Coordinates participants: Borrower, LO, processor, servicer, real estate agent, and sometimes the title company.
  • Improves over time: Learns from successful conversations to refine questions, explanations, and routing logic.​

This is what turns an AI voice agent from a support tool into a revenue and operations engine. Try a real call for yourself!


Why Mortgage Lenders Need Voice AI Now

Economic Pressures and Margin Squeeze

Origination costs have been stubbornly high, with call centers, manual follow-ups, and QA consuming a disproportionate share of expense per loan. At the same time, lead sources have multiplied, driving up the complexity and cost of converting interest to applications.​

Voice AI can materially impact:

  • Unit economics: Handling a large portion of inbound and outbound volume at a fraction of the cost per minute of human-only teams.
  • Capacity without headcount: Scaling up during spikes (rate drops, seasonal surges) without hiring and training waves of temporary staff.
  • Conversion: Responding instantly while competitors still rely on callbacks hours or days later.​

Competitive Advantage in a Commoditized Market

When everyone’s rate sheets look similar, speed, certainty, and experience become the differentiators. Lenders using sophisticated voice AI are seeing:

  • Faster speed-to-lead: AI voice agents like Marr Labs dial in less than a second, qualifying borrowers while they’re still on your landing page or after-hours.​
  • Higher lead utilization: More leads worked, with richer, structured information passed to LOs.
  • Better borrower experience: Clear expectations, proactive updates, and 24/7 accessibility.​

Platforms like Marr Labs lean into this by making their agents indistinguishable from human callers and tightly integrating with mortgage workflows rather than generic contact center scripts.​ Learn more about why Loan Officers are turning to AI Voice Agents to close more deals.

How AI Voice Agents Work (Technical Architecture)

End-to-End Borrower Journey

At a high level, here’s what happens when a borrower calls a lender running a modern voice AI stack:

  1. Intake and identification
  • Call routes to the AI agent.
  • Caller ID and basic data are matched to your CRM/LOS when possible.​
  1. Intent detection
  • The agent listens to the first sentence or two.
  • AI classifies the purpose: new purchase, refi inquiry, status update, payment issue, etc.​
  1. Dynamic conversation
  • The agent asks follow-up questions tailored to that intent such as loan amount, property type, income range, and timeline.
  • It uses prior data to skip questions that the lender already knows.​
  1. Live system integration
  • While talking, the agent pulls rate indications, checks loan status, looks up required documents, or checks calendar availability.
  • For an existing loan, it may surface underwriting or conditions data in real time.​
  1. Decision and action
  • If the borrower appears qualified, AI may create an application stub in the LOS, schedule a call with an LO, or send a secure doc upload link.
  • If the scenario is complex or edge-case, it routes to a human LO with a concise summary.​
  1. Multi-channel follow-up
  • The system sends SMS/email confirmations, tasks in CRM, and calendar invites.
  • If docs don’t arrive or a step stalls, it automatically follows up.​
  1. Logging and QA
  • Every call is transcribed, tagged, and stored for QA, coaching, and compliance review.
  • Analytics dashboards show volumes, outcomes, and trends over time.​

Key Components

  • Telephony layer: Cloud-based call routing, number handling, and recording.
  • Voice/NLP layer: STT, NLU, and TTS/voice synthesis.
  • Conversation engine: Dialogue flows, escalation rules, guardrails.​
  • Integration hub: Connectors to LOS, CRM, pricing, credit, AMS, and ticketing tools.​
  • Compliance and analytics: Monitoring, reporting, audit trails, and custom alerts.

Marr Labs, for example, positions itself as a closed-loop system: calls in, actions executed, and data written back into lender systems, with no open-ended data sharing to external model providers. That’s increasingly important to CISOs and compliance officers.​

Core Mortgage Use Cases

AI voice agents deliver the fastest, clearest ROI in a handful of high-volume workflows that blend revenue impact with operational efficiency: working more inbound leads, eliminating scheduling friction, automating document chase, deflecting routine status calls, and scaling servicing outreach with consistent, compliant conversations. Customers love using Marr Labs for use cases such as:

  1. Inbound lead qualification & speed-to-lead: Use Marr Labs’ mortgage-trained agents to answer or call back new leads within seconds, ask a focused set of qualification questions (property, price range, down payment, income, basic credit), write structured data into LOS/CRM, and warm-transfer or schedule with an LO—turning more web and marketplace leads into real conversations without adding headcount.​
  2. Appointment scheduling & calendar orchestration: Connect voice agents to LO calendars so they can offer live time slots, book and reschedule calls, and send confirmations and reminders via SMS/email for discovery calls, pre-approvals, conditions reviews, and post-close check-ins—eliminating back-and-forth and keeping pipelines moving.​
  3. Document collection & proactive reminders: Have the agent explain conditions in plain language, trigger secure upload links, call or text when new docs are required, confirm what has been received, and log status updates in LOS/CRM, so processors spend less time “doc chasing” and more time moving files to “clear-to-close.”​
  4. Application status updates & borrower support: Let borrowers call 24/7 to hear real-time milestones (submitted, in underwriting, conditions outstanding, clear to close, closing scheduled), understand what’s next, and get quick answers to common questions, while complex exceptions are routed to humans with full context.​
  5. Servicing outreach & retention: Use agents for high-volume, time-sensitive servicing work—proactive delinquency outreach, explaining high-level options within guardrails, capturing simple intents (“I can make a payment,” “I need help”), answering routine payment/escrow questions, and routing sensitive or complex cases to specialists—backed by full transcripts for QA and regulatory review.

Compliance and Risk Management

Regulatory Landscape Snapshot

AI voice agents must operate within existing law; there is no separate “AI exemption.” Key regimes include:

  • TRID (TILA-RESPA Integrated Disclosure): Accurate disclosures about costs, APR, and timing.​
  • Fair Lending (ECOA, FHA rules) and disparate impact considerations: No discrimination on protected classes in questions, decisions, or treatment.​
  • FCRA: Proper handling and explanation of credit decisions and adverse action.​
  • Dodd–Frank / CFPB oversight: UDAAP concerns (unfair, deceptive, or abusive acts).​
  • GLBA: Data privacy, security, and sharing of borrower personal information.​
  • State-specific rules: Licensing, call recording consent, and disclosure requirements.

How Voice AI Can Improve Compliance

Done correctly, voice AI reduces compliance risk versus relying on human-only processes:

  • Consistent scripts and disclosures: The AI never “freelances” or forgets mandatory language; changes can be rolled out globally in minutes.​
  • Full call recording and transcripts: Every interaction is searchable and auditable, including system decisions.​
  • Real-time QA: Calls can be scored automatically against compliance rules, with alerts for potential issues.​
  • Encoded fair lending rules: Agents are constrained to use objective criteria and avoid protected characteristics.​

Marr Labs and similar vendors highlight their closed data architectures and mortgage-specific compliance models as core differentiators, which resonates with risk and legal teams.​

Due Diligence Questions for Vendors

When evaluating platforms:

  • Can they demonstrate TRID, FCRA, and GLBA-aware conversation flows in production?​
  • How is borrower data stored, encrypted, and isolated?
  • Can they provide audit logs of decisions and disclosures?
  • Who bears liability if the agent misstates costs or terms?
  • How often are compliance rules and templates reviewed and updated?

Implementation and Integration (8–12 Week Plan)

Phase 1: Strategy and Scoping (Weeks 1–2)

Goals:

  • Define primary use case for phase one (typically inbound lead qualification + scheduling).
  • Agree on target metrics (e.g., answer rate, speed-to-lead, conversion uplift, and cycle time).​
  • Build an internal steering team across IT, Ops, Compliance, Sales.

Key decisions:

  • LOS and CRM integration scope for phase one.
  • Call flows: which phone numbers or queues route to AI vs. humans.
  • Escalation rules: when to hand off to an LO or call center.​

Phase 2: Technical Integration (Weeks 3–4)

Activities:

  • Connect AI platform to your telephony layer, LOS, CRM, and—optionally—AMS and pricing engine APIs.​
  • Map data fields and event triggers (new lead created, status change, condition added/cleared).
  • Stand up test environments with synthetic or masked data.

Deliverables:

  • Working sandbox where internal users can call, see data appear in systems, and verify routing.
  • Security review and sign-off from IT and InfoSec.

Phase 3: Configuration and Tuning (Weeks 5–6)

Activities:

  • Configure intents (new purchase, refi, status, payment, etc.) and flows.
  • Load your loan programs, overlays, and basic pricing rules to enable realistic responses.
  • Set compliance guardrails based on your policies.​

Involving Marr Labs-style teams here gives you a mortgage-specific starting point rather than a blank canvas; most flows are adapted vs. invented from scratch.​

User involvement:

  • Invite 3–5 experienced LOs and processors to test conversations and identify edge cases.
  • Refine how the agent summarizes calls and passes context when transferring.

Phase 4: Pilot (Weeks 7–8)

Scope:

  • Route a defined subset of traffic to the AI—e.g., one region, certain marketing campaigns, or after-hours calls.

Monitoring:

  • Track call volumes, drop-offs, transfer rates, and completion of target actions (qualified, scheduled, updated).
  • Review a sample of transcripts daily with compliance and sales leadership.​

Decision points:

  • Are borrowers completing flows without confusion?
  • Are LOs receiving higher-quality, better-documented leads?
  • Are there any compliance or brand-voice concerns?

Phase 5: Rollout and Optimization (Weeks 9–12+)

Rollout:

  • Gradually expand coverage to more lines, hours, and use cases as confidence builds.
  • Train the broader LO and ops teams on how to work with AI-sourced opportunities.

Optimization:

  • Fine-tune prompts, escalation thresholds, and integration touchpoints based on actual data.
  • Start layering in additional use cases: status updates, doc chasing, servicing outreach.

Marr Labs and similar vendors often formalize this as a POC-to-production journey so lenders can see measurable impact before going all-in.​ 

You can get started with a POC today!

Measuring ROI and KPIs That Matter

Core Economic Levers

Voice AI affects three levers simultaneously:

  • Cost per interaction: Handling large call volumes at a lower marginal cost than human-only teams.​
  • Revenue per lead: Higher contact and qualification rates drive better conversion to applications and closings.​
  • Cycle time: Faster movement from inquiry to app, and from conditions to clear-to-close, reduces fallout and improves capacity.​

A conservative first-year model often shows 2–4x ROI when combining cost savings with incremental funded loans, especially for lenders with meaningful volume.​

KPI Framework

Track a balanced set of metrics:

  1. Operational
  • AI answer rate (what % of targeted calls does the agent handle?).
  • Warm transfer rate (what % require human takeover?).
  • Average handle time per interaction.​
  1. Conversion
  • Lead-to-contact and contact-to-application conversion for AI-handled vs. manual.
  • Application-to-close rate for AI-qualified vs. non-AI-qualified loans.​
  1. Cycle Time
  • Time from first contact to completed application.
  • Time from app to doc-complete.
  • Overall app-to-close timeline.​
  1. Compliance and Quality
  • Percentage of calls auto-flagged for potential compliance issues.
  • Violation rate in audits before vs. after AI deployment.​
  1. Borrower Experience
  • CSAT or NPS for AI interactions vs. human-only.
  • Call abandonment rate and after-hours accessibility.​

Real-World Impact and Marr Labs Example

Marr Labs and Mortgage-Native Voice AI

Marr Labs focuses specifically on voice AI for mortgage and servicing, rather than generic call center automation. Their solution emphasizes:

  • Indistinguishable from Human voices and conversational behavior are designed for better borrower interactions.​
  • Deep integration with LOS/CRM workflows and servicing tasks (status calls, payment issues, etc.).​
  • A closed, compliant data architecture that addresses lender concerns around GLBA and model training.​

Y Combinator and industry coverage have highlighted Marr Labs as an early mover in building mortgage-specific agentic voice systems that operate as true “digital loan officer assistants.”​

Example Outcome: Lead-to-Close Acceleration

In a typical Marr Labs-style deployment with a top lender:

  • 24/7 answer coverage improves contact rates on new leads and inbound calls.
  • The agent pre-qualifies borrowers, populates key fields, and schedules LO calls.
  • Document explainer flows and proactive status updates reduce back-and-forth friction.

Across similar deployments, lenders have reported faster application times, higher doc completion, and measurable uplift in volume without proportional headcount increases.​

Challenges, Risks, and How to De-Risk Adoption

“Will This Feel Robotic to Borrowers?”

Early generation systems did, and that’s a valid concern. Modern implementations mitigate this through:

  • High-quality neural voices that mirror human intonation and pacing.​
  • Context-aware conversation that references borrower-specific details.
  • Easy escape hatches (“I’d like to talk to a person”) and low-friction transfers.

Best practice: test with real borrowers early in the pilot. Many actually prefer fast, clear AI-driven help over long hold times or voicemail loops.​ Try a call now.

“What If the Agent Misunderstands or Fails?”

No system is perfect. The mitigation strategy is designed with:

  • Confirmation loops for critical data (“Just to confirm, your approximate credit score is in the 680–720 range?”).
  • Confidence thresholds: if the model isn’t sure, it transfers.
  • Continuous monitoring of transcripts to catch edge cases.​

Teams that treat voice AI as an evolving system rather than a set-and-forget tool see rapid quality improvements over the first few months.

“What About Regulators and Legal?”

Regulators are paying close attention to AI in lending, but have not banned voice AI usage. They expect:

  • Clear disclosures when an AI agent is used.
  • Strong documentation and audit trails.
  • Demonstrable safeguards against discrimination and misrepresentation.​

Bringing compliance and legal into the project from day one, selecting mortgage-native vendors with real audit experience, and starting with lower-risk use cases (e.g., status and scheduling before complex product advice) are practical ways to de-risk.​

“Will LOs See This as a Threat?”

Some will, unless you frame and manage it carefully:

  • Position AI as a “force multiplier” that takes low-value tasks off their plate.
  • Share data showing higher funded volume per LO in AI-assisted models.​
  • Involve top performers in designing flows so the AI sets them up for success instead of creating friction.

Adoption is strongest where LOs feel they’re getting more, better-qualified at-bats, not being replaced.

The Future of Voice AI in Mortgage

What’s Coming in the Next 3–5 Years

Trends already visible across fintech and mortgage point to:

  • End-to-end agentic workflows: From first contact to clear-to-close, with AI coordinating most routine steps under human oversight.​
  • Multi-modal support: Borrowers switching fluidly between voice, SMS, and web chat while the same agent context carries through.​
  • Tighter risk integration: Voice agents surfacing risk signals to underwriting and servicing earlier based on conversation patterns.​
  • Clearer regulatory guidance: More explicit standards from CFPB and state regulators on how AI disclosures, fair lending monitoring, and auditability should work.​

Lenders who build voice AI capabilities now will be better positioned to adopt these next layers without starting from scratch.

FAQ for Mortgage Leaders

Is voice AI actually production-ready for large lenders?

Yes. Large banks and top-10 lenders are already running AI voice for customer service and specific lending workflows, including mortgage, with measured gains in speed, containment, and satisfaction when implemented with the right guardrails.​

How is this different from chatbots and legacy IVR?

Legacy IVR routes calls via menus and static rules; chatbots handle text with limited context. Voice AI combines real-time speech recognition, LLM-powered conversation, and system integration so it can understand open-ended speech, act on data, and keep context over complex dialogues.​

What’s a realistic first-year ROI?

Most lenders with meaningful volume see payback in 3–6 months, combining cost per interaction reductions with increased funded volume from higher contact and conversion rates. Conservative models in 2024–2025 show 2–4x ROI when deployed thoughtfully.​

How long does it take to go live?

Typical timelines are 8–12 weeks: 1-2 weeks for scoping, 2–4 for training and testing on your scripts and recordings, 2-3 for a live trial, and 2–3 to start seeing real results. Learn more or start a trial. 

Will the AI make lending decisions?

Most lenders use voice AI for qualification and workflow orchestration, not final approval. The agent can suggest products, collect data, and route files; credit decisions typically remain under human or existing automated underwriting systems, which is easier to defend from a compliance standpoint.​

How do we handle state-by-state call recording and disclosure laws?

Work with your vendor and legal team to script state-appropriate disclosures and configure telephony to respect one-party vs. two-party consent states. Mature platforms support configurable announcements and logging for this.​

What happens if a borrower hates interacting with AI?

Best practice is to provide immediate, easy access to a human: explicit “speak to a person” options, and low-friction transfers when frustration signals are detected. Properly implemented, borrower satisfaction tends to increase because calls are answered quickly and questions are addressed directly.​

How does Marr Labs specifically fit into this picture?

Marr Labs focuses exclusively on AI voice agents for mortgage and related financial services, with human-like conversational agents, deep integration into mortgage workflows, and an emphasis on compliance and secure data handling. Lenders use Marr Labs as a mortgage-native way to stand up production-grade voice agents quickly rather than building everything from generic platforms. Read more about the top 10 reasons Lenders trust Marr Labs AI Voice Agents.

Transforming Borrower Engagement: Marr Labs Partners with Figure to Revolutionize Mortgage Communications

December 4, 2025
Marr Labs

Marr Labs is proud to announce its collaboration with Figure, a pioneering force in mortgage technology. This partnership marks a significant step forward in leveraging AI voice agents to enhance borrower communications, streamline processes, and improve overall client experience.

By integrating cutting-edge voice AI technology into Figure’s mortgage operations, we are setting a new standard for what’s possible in the lending industry—making interactions more natural, efficient, and impactful for borrowers and lenders alike.

Marr Labs builds better-than-human AI voice agents that respond intelligently, and are purpose-built for the strict demands of mortgage lending: from lead response and qualification to warm transfers to loan officers and ongoing borrower support. 

Our agents plug into lenders’ existing tech stack (CRM, LOS) to capture data, trigger workflows, and keep borrowers engaged, all while operating in a secure, closed-loop environment with compliance baked in. This means lenders can scale outreach while reducing costs, all without sacrificing the quality or consistency of borrower conversations.​

Getting started with Marr Labs is intentionally simple: there is no need for technical expertise or complex implementation projects. In just a few minutes, you can:

Questions? Reach out to our Mortgage AI Specialists.

Voice AI Is the Interface. Process Design Is the Innovation.

June 2, 2025
Rob Bajohr
Head of Marketing

Voice AI is having a moment.

The Information recently spotlighted a wave of startups building AI-powered voice agents across industries, from restaurants to fintech to mortgage lending. It’s exciting coverage for a technology that’s quietly matured over the past 12 to 18 months. But amid all the excitement, something more fundamental is happening: the real innovation isn’t just in the voice. It’s in the workflow.

The ability to speak naturally with AI is no longer the hard part.

Advances from OpenAI, Deepgram, Google, and others have made real-time, human-like voice interaction finally possible and affordable. What separates a flashy demo from a real business solution isn’t better speech quality. It’s better process design.

At Marr Labs, we’ve seen this firsthand. We build voice agents for mortgage lenders that don’t just “talk.” They work. Our agents qualify borrowers, capture key data, and route the call while staying compliant and integrated with client CRMs and telephony systems. The value isn’t in the voice alone. It’s in the orchestration: who gets called, when, under what conditions, what’s said, what’s captured, and what happens next.

In other words, the agent is just the interface. The magic is in what it connects to and how it fits into the business process.


That’s where many new entrants get it wrong. It’s tempting to focus on the model, the voice, the latency numbers. And yes, those matter. But when voice AI gets deployed in the real world — in mortgage, healthcare, logistics, or hospitality — it meets a wall of operational complexity:

  • Compliance requirements
  • Human handoff scenarios
  • CRM and LOS integrations
  • Timing sensitivities
  • Multi-party workflows


Solving for those is where the true differentiation lies.


We’ve learned, for example, that a one-second delay in warm-transferring a borrower can mean a lost lead. That the wrong phrasing during a qualification call can trigger regulatory issues. That transferring too early or too late undermines trust. Designing for these details and iterating them over time is what makes a voice agent effective.


The market is starting to see that. The Information noted that companies like Marr Labs are already running real-time qualification calls on behalf of lenders, not as a proof of concept, but as a core operational tool. And that’s just the beginning. The winners in this space won’t be the ones with the smoothest-sounding bots. They’ll be the ones that make voice AI invisible, woven into the flow of business, supporting people and processes without getting in the way.


Voice AI isn’t a product. It’s infrastructure. And the best infrastructure disappears.

Five takeaways from AI Voice Agents and use cases for Mortgage Lending

April 16, 2025
Chris Barnett
Head of Product Solutions chris at marrlabs.com

Last week, Marr Labs CEO Dave Grannan joined Josh Reicher, Chief Digital Officer at Cenlar FSB , and moderator Ruth Lee for a deep dive into how AI voice technology is used today across the mortgage industry. This wasn’t another high-level discussion about chatbots or IVR. It was a practical look at how human-like voice agents solve real problems—from lead conversion to borrower support.

Here are some takeaways from the conversation: use cases, lessons learned, and where AI voice is headed.


AI Voice helps lenders win the speed-to-lead game


Dave Grannan opened with a stat that caught everyone’s attention: over half of borrowers go with the first lender who contacts them. That means speed is everything if you're buying leads from sources like LendingTree or NerdWallet.

AI voice agents can engage a lead within one second of submission, qualifying them, gathering details, and transferring to a licensed loan officer. The big unlock? You don’t need more staff to do it.

“You can turn on 1,000 AI agents right now and turn them off in an hour. That kind of flexibility is impossible with human teams.”

— Dave Grannan, Marr Labs CEO

AI Voice Agents dont just answer calls—they have conversations

The webinar featured a demo of a Marr Labs AI Voice Agent qualifying a borrower for a home equity loan and then making small talk to keep the caller engaged until a live loan officer joined the call. Grannan noted that this warm handoff significantly reduces call abandonment.

AI voice agents are designed to sound natural, respond intelligently, and never get tired or frustrated, giving borrowers a more consistent experience than traditional call centers.

AI Voice can fully handle routine inquiries

Josh Reicher shared how Cenlar is using AI to improve operational service efficiency.

One use case: answering common borrower questions (like requests for a 1098 form) without human involvement. The key is matching the right level of complexity to the right tool.

“Most digitally savvy homeowners prefer to self-serve. If they can get an answer in one call, 24/7, they’re happy.”

— Josh Reicher, Cenlar

It knows when to escalate to a human

Both Dave Grannan and Josh Reicher emphasized that AI voice should empower, not replace, human agents—especially in emotionally charged or complex situations. Today’s AI voice agents can recognize the right moment to get out of the way.

Here’s how that works:

  • Real-time sentiment analysis
    AI monitors tone, pacing, and language patterns that indicate frustration, confusion, or anxiety. If it detects any of these, the system can proactively route the call to a human—without the borrower needing to ask.
  • Caller Intent or Preference If a borrower explicitly states, “I want to speak to someone” or employs common escalation triggers (e.g., repeating "agent"), the AI promptly honors the request. There is no struggle for control—only a seamless handoff.
  • Policy or Compliance Triggers
    In the mortgage industry, specific topics (e.g., rates, credit decisions) necessitate human intervention. Marr’s AI agents are equipped with built-in guardrails that prompt escalation when these thresholds are reached.
  • Multimodal design philosophy
    Grannan noted that some borrowers prefer chat, others want voice, and some want a person. The goal isn’t to push them down a path, but to match them with the right channel at the right time.

“If someone gets annoyed or asks to speak to a human, we don’t fight it—we route the call. It’s about getting the task done, not pretending the AI can do everything.”

— Dave Grannan, Marr Labs CEO

This hybrid approach ensures borrowers feel supported, while human reps focus where they’re most needed.

There’s real ROI on the table

Grannan shared results from a recent case study across 300,000 calls:

  • 81% cost reduction per outbound call compared to humans
  • $39K saved in one month for a single lender
  • 20% higher lead prequalification rate vs. human callers

Reicher echoed the value of starting small and measuring impact. “If the tool helps your team spend more time with borrowers and less time on busywork, it pays off fast,” he said.

Where things are headed: Agentic AI and Task Completion

Looking ahead, both speakers pointed to agentic AI as the next evolution—tools that can handle entire workflows with minimal supervision.

“Voice AI is no longer about routing or menus. It’s about completing real tasks—accurately, efficiently, and with empathy. ”

— Dave Grannan, Marr Labs CEO

🎥 Want to see it for yourself?

Watch the full webinar recording for live demos, practical advice, and an inside look at what leading mortgage teams are doing with AI voice.

👉 Watch the webinar

Why Mortgage Lenders Love the Marr Labs AI Call Center

February 14, 2025
Chris Barnett — Head of Product Solutions chris at marrlabs.com

chris at marrlabs.com

Over the past year, the team at Marr Labs has had conversations with dozens of mortgage lenders. We’ve heard a remarkably consistent message: lenders need a faster, more effective, and compliant way to engage with borrowers and prospects. Speed matters. So does persistence. And staying on message—every time—can make the difference between a closed loan and a missed opportunity. But let’s be honest: even the best human teams have limits.

That’s where the Marr Labs AI Call Center steps in. Our virtual voice agents specialize in bridging the gap, ensuring that borrowers are connected with the right human loan officers— faster and more effectively than ever before.


Think of it as a perfect partnership: the efficiency and consistency of AI, paired with the expertise and personal touch of human loan officers. When lenders experience the “better than human” precision and performance of our AI voice agents—and see how it drives faster borrower engagement and more closed loans—they get it. It’s not just a solid business case. It’s a game-changer.


That’s why we’re proud to have Better Mortgage as our launch partner and flagship customer. We’re grateful for their partnership and their spirit of innovation. Curious to see what’s possible? Try the Marr Labs AI Call Center for yourself at marrlabs.com/mortgage-loa or book an intro call with me anytime here.

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