Industry-leading technology to educate originators, price loans, determine product eligibility and automate non-agency underwriting.
Stay ahead of market changes. Add new products and programs quickly. Assure fair lending compliance. Our solutions can be custom-tailored to your loan program guidelines to help you expand your business and succeed.
Grow your business and assets while helping non-traditional, self-employed and underserved borrowers find more loan options beyond traditional agency products.
Ensure that loans are underwritten in compliance with federal and state fair lending laws, with your lending decision fully documented at the time of origination to demonstrate regulatory compliance.
Mitigate risk by providing your staff and counterparties with a loan qualification tool that adds accuracy, consistency, and transparency.
Accelerate the origination and underwriting of non-agency products to better serve a broader range of borrowers.
Gain consistency and efficiency similar to traditional agency automated underwriting systems (AUS), but custom-tailored to represent your program guidelines and credit risk profile. Receive an in-depth findings report that not only lets you know if a loan passes or fails your underwriting criteria, but also how to substantiate it with applicable documentation.
The non-QM market has grown significantly over the past few years and is forecast to grow even further. Take advantage of this market opportunity by leveraging our decisioning technology to successfully bring non-QM loan products to market through retail, wholesale, and correspondent channels.
Banks and credit unions have the added flexibility of holding loans in portfolio, and automatically receiving QM status (for institutions with less than $10 billion in assets). Ensure that the loan programs you develop are offered with consistency to the markets you serve, so your lending decisions are documented and defensible in a regulatory audit.
Competing in today’s market requires adopting a digital mortgage process from application to closing. Use the latest digital technology to deploy your products into the marketplace, move loan eligibility to the point of sale, reduce fall-out and deliver a superior borrower experience.
When you work with LoanScorecard, you're not just buying a product. You’re benefiting from mortgage experts that can help you achieve your objectives.
We customize our engine with your unique program guidelines to help you automate product discovery, pre-qualification, and underwriting processes.
Access our decisioning engine directly within popular loan origination systems (LOSs) via a branded web interface or an API integration.
As your customer base and loan production grow, LoanScorecard grows with you. All of our products can be scaled to adapt to your needs.
For nearly 20 years, LoanScorecard has delivered proven value across our customers’ lending operations.
“Working with LoanScorecard as a partner has been a wonderful experience. We have 12 months under our belt together now between developing the AUS, fine-tuning guidelines and pricing, and having it on the street in both our wholesale and correspondent channels. The technology is helping to solve Non-QM at the point of sale for originators, which was our goal at the outset. We continue to work with LoanScorecard to maximize utilization and improve functionality. We are very pleased with our partnership.”
Michael Brenning
Chief Production Officer, Deephaven Mortgage
“We were looking to partner with an AUS provider that would allow us share our loan programs with more borrowers. It was a no-brainer for us to go with LoanScorecard. It was easy to set up our configuration and distribution, and ultimately automatically underwrite our loans—giving more low-to-moderate income borrowers the opportunity to achieve the American Dream.”
Moni Robinson
Senior Vice President, Dallas Neighborhood Homes
“Approximately 35 percent of our business is portfolio lending, so it is critical for us to have a system in place that allows us to easily define our underwriting guidelines and ensures any and all exceptions are handled in a consistent manner. We expect Portfolio Underwriter to make us more efficient, reduce errors and provide better feedback to our sales team.”
Kirsten Kemper
Vice President - Capital Markets Manager, Central Pacific Bank