Hey! We’re Ram & Pranay, the cofounders of Sei AI.

✨TLDR

Sei AI helps banks, mortgage lenders & servicers reduce the cost of loan origination & servicing. Our AI agents speak to borrowers and assist loan officers & underwriters. We’re already working with banks & top 25 IMBs.

In 5 months, we've grown our contracted ARR 10x.

Our platform is

👉 3x more effective at scheduling online leads and converting to meetings

👉 75% reduction in time spent by underwriting manually reviewing documents

👉 Already deployed with large lenders and banks nationally

❌ The Problem

It costs lenders $12,000 to originate a single mortgage. If you've spent any time inside a mortgage shop, the shape of the day is familiar. Loan officers chasing the same three documents from the same borrowers for the third week in a row. Underwriters re-keying data from Encompass into a checklist and clearing the same conditions a thousand times a year. Servicing reps listening to voicemails about the same hardship requests. Borrowers waiting in long queues just to make their payment or get a question answered.

Enter Sei AI

We ship three AI agents, each purpose-built for a mortgage workflow.

1. The Pre-Underwriting Assistant that validates income, assets, credit & collateral documents against 500+ agency guidelines, drafts conditions, & surfaces exceptions. All at the start of the process. The AI communicates with the borrower for any missing or incorrect information and runs checks again to close the loop. This reduces back-and-forth with borrowers, clear-to-close, and touchpoints by teams.

Impact: One NASDAQ-listed lender reduced review time per loan from 4 hours to 45 minutes.

2. Voice AI handles inbound and outbound calls across origination and servicing — borrower follow-ups, payment reminders, payoff and escrow questions, etc.

Impact: It’s already 3x more effective at scheduling online leads and converting to meetings, with one customer complaining that “A few of our loan officers joked that their calendars are now too full and they need to block hours off. That is the kind of problem we want to have.”

3. Call Monitoring Agent reviews 100% of borrower calls to flag potential regulatory violations (TCPA, FDCPA, UDAAP). Uniquely, it also surfaces the pipeline that quietly walks out the door on the same calls — payoff requests where no one pitches a recapture refi, life-event signals that should trigger retention plays, cross-sell openings missed on every HELOC-curious caller, and the behavioral patterns that separate top-performing LOs from the rest of the floor.

Impact: One large IMB went from 3% to 100% call monitoring, while reducing costs by 75%

🤝 Team

We’re Pranay & Ram

Pranay (CEO) has deep experience in finance and real estate across companies Cloud Kitchens, PayPal, The World Bank & Deutsche Bank.

Ram (CTO) has deep technical experience in financial services across PayPal, Amazon & Wise. He has built high-scale and secure payment systems & data pipelines that handled tens of billions in transactions per day.

Book a demo at https://www.seiright.com/#reachUs