Unlike agency automated underwriting systems (AUS), Portfolio Underwriter can be custom-tailored to reflect the underwriting guidelines of your specific non-agency or portfolio programs. In addition, our AUS reduces human error and potential Fair Lending violations typically associated with manual underwriting processes.
for CFPB reviews and consistency in credit decisioning.
and productivity while reducing human error.
requirements specific to each individual loan.
for underwriting, compensating factors, and exception approval.
based on your loan program guidelines, credit policies, and criteria—plus a branded, in-depth findings report.
regarding any aspect of the 1003 or credit report.
Leverage Portfolio Underwriter for loans that fall outside of agency parameters. Simply run the system at the same point that Desktop Underwriter (DU) or Loan Product Advisor (LPA) would be run to analyze loan data for unique product guidelines in seconds.
Support from Industry Experts
Our team of leading technologists has significant experience in the mortgage industry, allowing us to fully understand your challenges and implement solutions to help you overcome them.
Easy Onboarding and Ongoing Training
Implement Portfolio Underwriter quickly and seamlessly. Our intuitive software ensures you can get up to speed, with training and support resources always available.
“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