An AI-native, leadership-grade mortgage operating system—the industry's most comprehensive platform for directing work, unifying communication, and orchestrating every stage of origination with precision, speed, and clarity, transforming fragmented tasks into a coordinated, intelligent workflow that exposes bottlenecks, accelerates execution, and elevates the client experience.
Perennia means more than “always on.” It’s about relationships and performance that endure.
Perennia is our commitment to building a mortgage operating system that compounds value over time—where every client, partner, and workflow is treated as a long‑term asset, not a one‑time transaction. It reflects a platform that never goes dormant: always watching the pipeline, always surfacing the next best action, and always protecting the quality of the client experience.
Perennia AI is built for loan teams who want their business to be perennial—durable, repeatable, and growing stronger with every relationship they manage.
Perennia AI is an AI‑powered mortgage CRM and origination operating system designed to direct and prioritize work across the entire lending pipeline. It unifies pipeline execution, borrower and partner communication, document collection, and compliance‑assist monitoring into a single operating environment so teams can act on the right tasks at the right time with full context.
Perennia AI functions as the leadership‑grade control layer for the business. It centralizes calendar, calls, video, SMS, email, and portals; orchestrates specialized AI agents to draft work, not decide outcomes; and surfaces clear KPIs and operational bottlenecks across loan officers, production assistants, processors, and underwriters.
The goal is not just to store data, but to run a consistent, compliant, “client‑for‑life” operation from a single platform—one that scales trust, not chaos.
Perennia AI is an AI-powered mortgage CRM and origination operating system that unifies pipeline execution, borrower communication, document collection, and compliance monitoring in one platform. It helps loan teams reduce cycle time, prevent missed milestones, and standardize borrower experience—while keeping humans in control of approvals, disclosures, and critical decisions.
The platform coordinates 22 specialized AI agentsAgents = specialized AI roles (e.g., underwriting assistant, doc triage, SLA monitor) orchestrated by policy and audit logs. and 160+ toolsTools = internal agent actions (e.g., pricing lookup, doc classification, task creation, compliance checks, messaging). to assist with workflow automation, document intelligence, task orchestration, and communication—backed by audit trails, role-based access, and configurable compliance checks.
The complete loan origination workflow from application to funding, with automated SLA tracking and AI-driven stage management.
Triggers: DailyPipelineSweep (9 AM), LoanStageChanged, LoanAged, ConditionCleared, DocumentReceived
Automation: Stale-loan detection (configurable thresholds per stage), automatic milestone completion, nudge task creation, supervisor escalation at 10+ days.
Automated document lifecycle from needs-list generation through AI classification, review, and expiry monitoring.
Triggers: Application submitted, document uploaded, document expiring, condition added
Automation: Auto-classification, screenshot detection, cascading reminders (email then SMS), auto-renewal requests 30 days before expiry.
9-stage lead lifecycle with automated scoring (A–D), intelligent routing, and cadenced engagement sequences.
Scoring: Profile (25pts) + Engagement (25pts) + Recency (25pts) + Intent (25pts) = Grade A-D
Automation: Auto-routing by loan type, welcome SMS/email sequence, discovery appointment scheduling, 7-day touchpoint cadence with AI-personalized tone.
Coordinated messaging across email, SMS, voice, and in-app channels with compliance checking and AI-generated content.
Triggers: LoanMilestoneReached, ClientInquiry, 7DaysSinceLastContact, RateLockExpiring, DocumentRequested
Automation: AI auto-sends at >90% confidence, tone adjustment per borrower profile (first-time buyer vs. investor vs. repeat client), overlap prevention.
Multi-step guided onboarding from account creation through team setup, branding, integrations, and payment.
Automation: Invitation emails, role auto-assignment, default workflow creation, Stripe subscription setup, 14-day free trial.
Compliance-assist monitoring for TRID/RESPA/fair lending and state-specific consent rules, with alerts and audit trails.
Checks: LE timing (3 business days), CD timing (3 days before close), zero/10% fee tolerance, state recording consent (15 two-party states), rate variance >0.25%.
| # | Workflow | Trigger | Automation | Dependencies | Impact |
|---|---|---|---|---|---|
| 1 | 5-Minute Lead Response | Lead created / web form | Auto-qualify, route by loan type, send welcome SMS + email, schedule call | Twilio, AI Agent | 95%+ first-contact SLA |
| 2 | Pipeline Stage Orchestration | Loan stage changed | SLA clock start, milestone tracking, task creation, next-step notifications | SLA Engine, Scheduler | 20% fewer stuck loans |
| 3 | Smart Document Collection | Application submitted | Generate needs list, send requests, cascade reminders, AI classify on upload | AI Agent, Email, SMS | 30% faster doc chase |
| 4 | TRID Compliance Guard | Disclosure events | Validate LE/CD timing, check fee tolerance, flag violations, create cure tasks | Compliance Engine | Target: reduce violations via early detection |
| 5 | AI Call Intelligence | Call completed | Transcribe, extract data, QA score, create tasks, update loan record | Twilio, AI Agent, NLP | Eliminates manual notes |
| 6 | Borrower Communication Cadence | 7 days since last contact | AI drafts personalized message, compliance check, auto-send if >90% confidence | AI Agent, Email, SMS | Target: consistent touchpoint cadence |
| 7 | Stale Loan Sweep | Daily at 9 AM | Scan all active loans, identify over-threshold, create nudge tasks, escalate | Scheduler, AI Agent | 24-hour stuck detection |
| 8 | Portfolio Refi Scanner | Monthly schedule | Scan closed loans, check rate savings, calculate break-even, create campaigns | Rate Monitor, AI Agent | 20+ refi opps/month |
| 9 | Webhook Event Broadcast | Any system event | HMAC-signed webhook to Zapier/Make, retry with exponential backoff | Webhook Service | 5,000+ app connections |
| 10 | AI Receptionist Call Routing | Inbound call | State consent check, AI greeting, intent detection, route to agent or voicemail | Retell AI, Twilio | 24/7 call coverage |
| Metric | Before | After (Target) | Impact |
|---|---|---|---|
| Lead First-Contact Time | 2–4 hours | < 5 minutes | 95%+ faster response |
| Document Collection Cycle | 7–14 days | 3–7 days | 50% time saved |
| Stuck Loan Detection | Weekly review | < 24 hours | 6x faster intervention |
| Compliance Violations | Manual audits | Real-time detection | Proactive prevention |
| Call Notes / Data Entry | 10–15 min/call | Automated | 2+ hrs/day saved per LO |
| Borrower Communication | Inconsistent | 7-day max cadence | 100% touchpoint rate |
| Portfolio Refi Opportunities | Manual review | 20+ auto-identified/month | Net-new revenue stream |
| Average Loan Cycle Time | 45–60 days | 30–40 days | 25–33% faster close |
| Metric | Industry Avg | Target | Driver |
|---|---|---|---|
| Borrower NPS Score | 30–40 | 70+ | Real-time status via PURL |
| Post-Close Survey Response | 15–20% | 50%+ | Automated survey delivery |
| Borrower Self-Service Rate | 20% | 60%+ | Portal document upload |
| Communication Transparency | Low | Full visibility | Milestone timeline tracking |
| Average Response Time | 4–8 hours | < 1 hour | AI-assisted prioritization |
| Referral Rate | 15% | 35%+ | Exceptional experience |
Key entities: Loans (53-field profile with 27 milestone dates), Leads, Contacts, Tasks, Documents, Call Records, SLA Milestones, Workflows, AI Agent State, Conversations, Calendar Events, Compliance Issues, and Financial Intelligence.
Regulatory Compliance:
Audit & Logging:
Mobile Security: Biometric authentication (Face ID, Touch ID), secure keychain storage, certificate pinning, jailbreak detection.
Session Management: Automatic timeout, secure token refresh, device tracking, concurrent session limits, forced logout capability.