Pacific Lending Group
Independent broker, 6 LOs, CA + AZ.
A four-agent preset for mortgage brokers and small lender branches - Branch Manager, Loan Officer, Loan Processor, Closer - wired with Encompass / LendingPad / Calyx, lender pricing engines, NMLS compliance tracking, and the standard 30-day origination cycle.
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→ kwave.ai| Content | Count |
|---|---|
| Agents | 4 |
| Skills | 8 |
| Companies running this | 4 |
4 AI agents wired for this role. The CEO Dashboard is the hub; the rest report up to the CEO unless flagged owner-direct (escalation paths that bypass the CEO, like crisis routing).
| Agent | Role | Reports to |
|---|---|---|
| Branch Manager | Lead | owner-direct |
| Loan Officer | Origination | branch-manager |
| Loan Processor | Doc Collection + Underwriter Liaison | branch-manager |
| Closer | Closing Coordination | branch-manager |
8 workflows the agents can run for you. Each is triggered by natural-language commands. The full SKILL.md (inputs, procedure, output format, write guards) is mounted in your workspace under .claude/skills/<slug>/ after install.
| Skill | Description |
|---|---|
| application-intake | Use when intaking new applicants - runs the 1003 application, pulls credit (tri-merge via Equifax / Experian / TransUnion), identifies the right product (Conv / FHA / VA / Jumbo / Non-QM). |
| doc-collection | Use when running mid-pipeline document collection - surfaces what's missing per loan (income docs, asset docs, ID, employer VOE), chases borrower with secure-portal uploads. |
| rate-locking | Use when timing rate locks - alerts on lock-window expiration, re-lock economics (cost vs market move), float-down options, lender pricing comparison. |
| underwriter-followup | Use when tracking underwriter conditions - assigns each condition to the right party (borrower / appraiser / title / LO), follows up to clear before deadline. |
| appraisal-coordination | Use when scheduling and tracking appraisals - orders via AMC, monitors timeline, flags valuation gaps (came in low) before they kill the deal. |
| closing-disclosure | Use when prepping 3-day Closing Disclosure - generates the CD, reconciles against the Loan Estimate, surfaces variances, sends to borrower for acknowledgment within TRID timing. |
| post-close-followup | Use when running 30 / 90 / 365-day post-close follow-up - keeps borrower in the funnel for refi opportunities, referrals (real estate agent, friend), home anniversary touchpoints. |
| compliance-tracking | Use when tracking NMLS, state licensing, and CE deadlines for every LO on the team - state-specific (CA: 20 hrs first year, 8 hrs annual), branch-level compliance. |
Public listings only — opted in by the company. 4 companies below.
Create a company in KWAVE and the full Mortgage preset above runs in your workspace from day one - all 4 AI agents and 8 skills, wired and ready.
Detailed workflow guides for each skill live inside the workspace dashboard. Sign up at kwave.ai to access them.