Market  Opportunities

Take Advantage of Market Opportunities

Quickly and easily help underserved borrowers find more loan options beyond traditional agency products—and, ultimately, be more competitive.

Compliance

Overcome Compliance Challenges

Ensure that loans are underwritten without bias, with your lending decision fully documented at the time of origination to demonstrate regulatory compliance.

Risk

Reduce
Risk

Mitigate risk by providing your staff and counterparties with a loan qualification tool that adds accuracy, consistency, and transparency.

DriveEfficiencies

Drive
Efficiencies

Accelerate the origination and underwriting of non-agency products to better serve a broader range of borrowers.

STREAMLINE MANUAL PROCESSES

Automated Underwriting

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.

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Automated Underwriting

TAP INTO NEW OPPORTUNITIES

Non-QM

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.

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non qm

SERVING YOUR MARKET

Portfolio Lending

Banks and credit unions have the added flexibility of holding loans in portfolio, including 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. Understand the balance sheet impact of every loan you originate by calculating the upcoming required CECL loan loss reserves with our credit risk model.

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Portfolio Lending

ACCELERATE LOAN DECISIONING

Digital Mortgage

Competing in today’s market requires adopting a digital mortgage process from application to closing. Deploy your products into the marketplace, bring loan decisioning capabilities to the point of sale, and deliver a superior borrower experience.

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digital-mortgage

LEND WITH CONFIDENCE

Compliance

Easily ensure compliance from the start. Designed to remove the burden placed on your institution by increased regulatory scrutiny, our automated solutions help keep you compliant with HMDA, Fair Lending, ATR/QM, and CECL.

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Compliance

SMARTER DECISIONS

Technology Backed by Mortgage Experience

See All Benefits

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.

1

Custom-Tailored to Your Guidelines

We customize our engine with your unique program guidelines to help you automate product discovery, pre-qualification, and underwriting processes.

2

Seamless Integration

Access our decisioning engine directly within popular loan origination systems (LOSs) via a branded web interface or an API integration.

3

Designed to Scale

As your customer base and loan production grow, LoanScorecard grows with you. All of our products can be scaled to adapt to your needs.

4

Proven Value

For nearly 20 years, LoanScorecard has delivered proven value across our customers’ lending operations.

Benefits and Results

Let’s discuss how we can further your mortgage business.

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