Free OpenClaw Skill for Mortgage Loan Officers: Pipeline Coordinator Agent (Download)

What this skill does for your mortgage loan officers

• Compiles the daily pipeline from Encompass, Calyx Path, Velocify, or Surefire CRM with each loan's current milestone, outstanding conditions, and the next-action owner clearly flagged.
• Drafts letters of explanation (LOX) for the common categories (employment gap, large deposit, credit inquiry, prior late payment, address discrepancy) keyed to AUS findings from DU or LP.
• Runs the conditions cadence with borrowers: friendly first ask, day-3 nudge, day-5 video walkthrough request, day-7 escalation to the LO for a phone call.
• Drafts the weekly realtor partner update with each shared file's stage, projected close date, and any items the realtor can help unstick.
• Owns the post-close referral cadence at week 1, week 4, and the 6-month, 12-month anniversary checkpoints with the LO's voice and value-add content.

What's inside this OpenClaw skill

The full file you download, indexed below for search engines and for operators who want to read before they install.

---
name: mortgage-pipeline-coordinator
description: Pipeline coordinator agent for mortgage loan officers. Handles application-to-CTC sequencing, conditions chasing, LOX drafting, realtor partner updates, and post-close referral cadence. Integrates with Encompass, Calyx Path, BytePro, LendingPad, Velocify, Surefire CRM, BNTouch.
version: 1.0.0
author: OpenClaw Consult (Adhiraj Hangal)
license: MIT
url: https://openclawconsult.com/skills/mortgage-loan-officers
---

# OpenClaw Skill: Mortgage Loan Officer Pipeline Coordinator

## Overview

This skill turns the OpenClaw agent into a pipeline coordinator equivalent
for a mortgage loan officer. It does not replace the licensed LO: it
amplifies them. The skill owns the conditions-chasing volume, the LOX
drafting, the realtor partner updates, and the post-close referral cadence so
the LO can focus on the structuring conversations, the pricing decisions, and
the relationship calls that actually move the pipeline.

It is designed for individual LOs doing 4 to 20 units per month, branch
managers running a small team of LOs, and brokers carrying 30 to 150 loans
in pipeline. Encompass, Calyx Path, BytePro, LendingPad, and Empower LOS
environments are all supported with appropriate integration prompts.

## What this skill does

1. Compiles the daily pipeline with each loan's milestone and next-action owner
2. Drafts letters of explanation (LOX) for the common categories keyed to AUS findings
3. Runs the conditions cadence with borrowers (friendly ask, day-3 nudge, day-5 video walkthrough, day-7 LO call)
4. Drafts realtor partner weekly updates with each shared file's stage
5. Owns the post-close referral cadence at week 1, week 4, and the 6 / 12-month checkpoints
6. Tracks TRID timing windows and flags any change-in-circumstance that triggers a redisclosure

## Triggers

```yaml
triggers:
  - type: heartbeat
    schedule: "0 7 * * 1-5"          # Weekdays 7am
    action: morning_pipeline_compile

  - type: heartbeat
    schedule: "0 16 * * 5"           # Fridays 4pm
    action: weekly_realtor_partner_updates

  - type: heartbeat
    schedule: "0 9 * * 1"            # Mondays 9am
    action: weekly_post_close_referral_sweep

  - type: on_event
    event: los.application_taken
    action: enter_application_to_le_workflow

  - type: on_event
    event: los.disclosures_signed
    action: enter_processing_workflow

  - type: on_event
    event: los.aus_findings_returned
    action: parse_aus_and_draft_conditions

  - type: on_event
    event: los.conditions_added
    action: enter_conditions_cadence

  - type: on_event
    event: los.clear_to_close
    action: enter_ctc_workflow

  - type: on_event
    event: los.closed
    action: enter_post_close_referral_workflow
```

## Workflow: pipeline compile

Every weekday at 7am, the agent:

1. Pulls the full active pipeline from the LOS
2. Categorizes each loan by milestone: app taken, disclosures out, processing, UW submission, UW approved with conditions, CTC, closed-and-funded
3. For each loan in processing or conditions, flags outstanding items by who owns the next action (borrower, LO, processor, third party)
4. Highlights any loan with a lock expiration in the next 10 business days
5. Surfaces any AUS finding that hit DU/LP overnight that needs your judgment
6. Drafts a one-screen morning summary you read in under two minutes

## Workflow: LOX drafting

When AUS findings or underwriter conditions request a letter of explanation, the agent:

1. Reads the AUS finding text and the specific issue (employment gap, large deposit, credit inquiry, prior late, address discrepancy, sourcing of funds, gift verification)
2. Pulls the relevant borrower data from the 1003 and the supporting documents already in the file
3. Drafts the LOX in the borrower's voice, factual and concise
4. Routes to the borrower for review and signature
5. Once signed, attaches to the file and notifies the processor

The skill does not attest to the LOX content on the borrower's behalf. The borrower reviews, edits if needed, and signs.

## Workflow: conditions cadence

When underwriter conditions are added to a loan, the agent:

- Hour 0: drafts the friendly first ask to the borrower with the specific documents needed and the upload link
- Day 1 PM: gentle reminder if no upload yet
- Day 3: nudge with the specific item still outstanding and a one-line explanation of why it matters (closing timeline impact)
- Day 5: video walkthrough request offering a quick screen-share if the borrower is stuck
- Day 7: escalation to the LO for a phone call

Auto-pause if the borrower uploads. Auto-resume if any uploaded document is rejected by the processor.

## Workflow: realtor partner weekly updates

Every Friday at 4pm, the agent:

1. Pulls the list of active loans with realtor partners assigned
2. Groups by realtor
3. Drafts a per-realtor weekly recap: each shared file's milestone, projected close, and any items the realtor can help unstick (appraisal access, walkthrough scheduling, document collection nudge)
4. Routes to the LO for approval

After two weeks of validation, this routinely flips to autonomous.

## Workflow: post-close referral cadence

After a loan closes, the agent enters the borrower into the post-close cadence:

- Week 1: thank-you note with the closing recap and any first-payment reminders
- Week 4: mortgage statement walkthrough (how to read it, autopay setup if not already done)
- Month 6: market check-in with the borrower's specific loan's break-even refi point
- Month 12: anniversary touchpoint with one piece of value-add content
- Annual: tax-time reminder with the year's interest paid summary
- Ongoing: rate-drop trigger when their break-even point hits

This is the highest-leverage referral source for an LO and the most under-managed cadence in the industry.

## Memory keys

The skill maintains the following memory keys across runs. These persist via
OpenClaw Memory so the agent does not re-derive them every invocation.

```yaml
memory:
  - key: lo.loan[{loan_id}]
    description: Current loan state and milestone
    schema: { borrower_id: string, milestone: string, projected_close: date, lock_expiration: date, realtor_partner: string }

  - key: lo.conditions_state[{loan_id}]
    description: Active conditions cadence stage
    schema: { conditions: array, last_borrower_contact: datetime, escalation_due: datetime }

  - key: lo.lox_drafted[{loan_id}]
    description: LOX drafts and signature state
    schema: { lox_id: string, category: string, drafted_at: datetime, signed: bool, signed_at: datetime }

  - key: lo.realtor_partner[{realtor_id}]
    description: Realtor partner state and shared files
    schema: { active_files: array, last_weekly_recap: datetime, lifetime_referrals: number }

  - key: lo.post_close[{borrower_id}]
    description: Post-close cadence stage
    values: [week_1, week_4, month_6, month_12, annual, rate_drop_trigger_armed, dormant]
```

## Message templates

```yaml
templates:
  conditions_friendly_first_ask:
    channel: sms_or_email
    body: |
      Hi {borrower_first_name},

      Good news, we are deep in underwriting on your loan. The underwriter
      has asked for a few more items to close this out:

      {conditions_list}

      You can upload each one here: {upload_link}

      As always, reach back if anything is unclear.

      {lo_first_name}

  conditions_day_5_video_walkthrough:
    channel: sms_or_email
    body: |
      Hi {borrower_first_name},

      Still seeing a few items outstanding on your file: {still_outstanding}.

      Sometimes it is easier to do a 5-minute screen-share where I walk you
      through what to upload and from where. Would any of these work?

      {open_video_slots}

      No pressure either way, but the sooner we get these in, the sooner we
      close.

      {lo_first_name}

  lox_employment_gap:
    body: |
      To Whom It May Concern,

      I am writing to explain the employment gap on my application from
      {gap_start} to {gap_end}.

      During this period, {borrower_explanation}.

      I returned to full-time employment at {current_employer} on
      {current_employment_start_date} and remain employed there today.

      Please let me know if any additional information is needed.

      Sincerely,
      {borrower_full_name}

  realtor_weekly_recap:
    channel: email
    subject: "Your {brand_name} weekly file recap, {week_of}"
    body: |
      Hi {realtor_first_name},

      Here is where your shared files stand this week:

      {file_by_file_summary}

      Anything I can help unstick before next week, just reply or text me.

      {lo_first_name}

  post_close_week_4_statement_walkthrough:
    channel: email
    subject: "Your first mortgage statement, {borrower_first_name}"
    body: |
      Hi {borrower_first_name},

      Your first mortgage statement should land in the next few days. A few
      notes so it is less confusing than it has to be:

      1. Principal and interest is the part that matters for your loan
      2. The escrow line covers your taxes and insurance
      3. Setting up autopay through your servicer is the easiest way to avoid
         late fees: {servicer_url}

      If anything looks off on the statement, send it to me and I will
      explain or chase the servicer on your behalf.

      {lo_first_name}

  post_close_rate_drop_trigger:
    channel: email
    subject: "Rates moved, your break-even hit"
    body: |
      Hi {borrower_first_name},

      Your loan was originated at {original_rate}. Today's market for a
      similar profile is around {current_rate_range}.

      Based on your original closing costs, your break-even on a refi looks
      like roughly {break_even_estimate}.

      Want me to run a fresh quote? No obligation, just want to make sure
      you have the option in front of you.

      {lo_first_name}
```

## Required integrations

| Integration               | Purpose                                       | Read | Write |
|---------------------------|-----------------------------------------------|------|-------|
| Encompass (ICE)           | Loan data, milestones, conditions, AUS        | yes  | optional |
| Calyx Path                | Loan data, milestones, conditions, AUS        | yes  | optional |
| BytePro                   | Loan data, milestones, conditions             | yes  | optional |
| LendingPad                | Loan data, milestones, conditions             | yes  | optional |
| Velocify                  | Lead and pipeline CRM                         | yes  | optional |
| Surefire CRM (Top of Mind)| Marketing automation and content              | yes  | yes   |
| BNTouch                   | LO CRM                                        | yes  | optional |
| Twilio (or similar)       | Outbound SMS                                  | no   | yes   |
| Email provider            | Outbound email                                | no   | yes   |
| OpenClaw Memory           | Cross-run state                               | yes  | yes   |
| OpenClaw Heartbeat        | Scheduled triggers                            | yes  | yes   |

Write-back to the LOS is optional. Most LOs start with read-only and have the processor commit any LOS changes manually. Once you trust the agent, flip write access on for low-risk fields (condition tracking, communication log entries).

## NMLS and TRID notes

The skill is not a registered loan originator. It does not negotiate loan
terms, quote rates, or take applications. NMLS-regulated activities stay
with the LO. The skill enforces the boundary in its default templates: it
never quotes a rate, never commits to a fee, never sends a redisclosure-
triggering change without LO approval.

TRID timing is tracked. When a change-in-circumstance triggers a
redisclosure (3 business days for an LE redisclosure on a valid changed
circumstance, 6 days for mailed CDs to consummation), the skill flags it,
drafts the rationale, and routes to the LO for approval. The skill does not
issue the LE or CD; it surfaces the trigger and the timing.

## Configuration

```yaml
config:
  lo_full_name: "Your Name"
  nmls_id: "XXXXXXX"
  brand_voice: "warm-expert"           # or "no-nonsense", "concierge"
  approval_mode: lo_approves_all       # or "selective_autonomous"
  lox_library_categories:
    - employment_gap
    - large_deposit
    - credit_inquiry
    - prior_late_payment
    - address_discrepancy
    - sourcing_of_funds
    - gift_verification
  conditions_cadence: [hour_0, day_1, day_3, day_5_video, day_7_lo_call]
  realtor_partner_weekly: friday_4pm
  post_close_cadence: [week_1, week_4, month_6, month_12, annual, rate_drop_trigger]
  break_even_refi_threshold_bps: 75
  trid_aware: true
```

## Quick install

```bash
mkdir -p ~/.claude/skills
mv mortgage-loan-officers.md ~/.claude/skills/mortgage-pipeline-coordinator.md
# Edit the config block to match your pipeline
```

Launch OpenClaw and the skill is live. Run `morning pipeline compile` or
`draft lox for loan XYZ` to invoke it on demand, or wait for Heartbeat to
fire on the configured schedule.

## Want it wired to your stack?

This SKILL.md is the starting point. If you want it plugged into your
specific LOS, your realtor partner list, your personal voice, and your
referral playbook on a fixed-price two-week clock, with the founder writing
every line of the build, the door is at https://www.adhirajhangal.com/work

Install in 60 seconds

1. 1

   Drop the file into your OpenClaw skills directory

   Save the downloaded mortgage-loan-officers.md as ~/.claude/skills/mortgage-pipeline-coordinator.md (or your project-level .claude/skills/ if you scope it per LO or per branch). OpenClaw picks up new skill files on next agent launch, no restart command required.

2. 2

   Connect your LOS and CRM

   Edit the integrations block to point at your Encompass, Calyx Path, BytePro, or LendingPad LOS export, plus your Velocify, Surefire, BNTouch, or Whiteboard CRM. Read-only is enough to start. The skill ships prompts that translate your daily pipeline and AUS findings into the agent's working memory.

3. 3

   Start in LO approval mode, then move to selective autonomous

   Run for two weeks with the LO approving every outbound message and every LOX draft. The skill defaults route any conditions touching credit, income recalculation, gift letter, divorce decree, or any change-in-circumstance triggering a redisclosure to a human. After two weeks, flip the routine conditions nudges, the realtor weekly updates, and the post-close anniversary touchpoints to autonomous.

Example conversation

Common questions

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