Agency lending has automated underwriting. Non-Agency and Portfolio now have LoanPASS AUS.
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Trusted by the biggest names in lending.
Non-agency underwriting is still largely manual
Agency automated underwriting stops at the agency credit box. Loans that differentiate lenders—including Non-QM, DSCR, bank statement, portfolio and specialty products—still rely heavily on manual underwriting.
Your systems cannot keep up with your products
Rates move. Guidelines change. New programs launch. In legacy systems, every change can mean vendor tickets, hard coding, testing delays and missed opportunities.
Pricing and credit decisions live in different places
Pricing engines determine what a loan costs. Underwriting systems determine whether it qualifies. MI pricing and ordering may sit somewhere else entirely. When those systems operate on different rules, the same loan can produce different answers. LoanPASS brings them together. Pricing, underwriting and MI can operate from the same configurable rules engine, so the loan is priced, decisioned and insured against one consistent set of facts and rules.
“When I saw what LoanPASS could do, I thought: this is the answer we’ve been looking for.”
Head of Business Development & Strategy, Acra Lending
The Solution
LoanPASS AUS
Apply your own credit policy and return instant underwriting decisions, findings and assigned conditions.
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LoanPASS PricingEngine
Price instantly with sub-second responses. Reduce cost with no-code configuration, simple integrations and transparent pricing.
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LoanPASS QuickPricer
Give brokers and borrowers instant approvals and trusted rates using your live LoanPASS rules, on your website or broker portal.
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LoanPASS BulkPricer
Price an entire portfolio in one pass. Value thousands of loans against your own live pricing and eligibility rules, with FICO 10T ready for the score transition.
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LoanPASS PMIPricer
Get instant quotes from all six MI providers across all five standard products. Sort by best execution or by your own risk allocation strategy.
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Banks and Credit Unions
Specialty and portfolio programs the core system cannot decision, with a rule-level audit trail.
“LoanPASS has helped a lot in achieving our long-term goals of improving efficiency and member experience.”
GM of Manufactured Housing Lending, Credit Human
Banks and Credit Unions
Non-QM and other non-agency lenders
Bank statement, asset depletion, 1099, and wholesale files, underwritten to the lender’s own box.
“Configurable in a way that other systems fall short. The tools are there to solve complex problems specific to our business.”
VP of Mortgage Operations, Verus Mortgage Capital
Non-QM Lending
TPR and QA firms
Replay the lender’s published rules so the review matches the original finding.
TPR and QA firms
Business Purpose Lenders
DSCR, fix and flip, bridge, and construction, decisioned on the lender’s credit box.
“Their pricing engine is best-in-class for construction and fix-and-flip loans.”
EVP Correspondent Lending, Oaktree Funding Corp
Business Purpose Lending
LoanPASS Foundry
Coming Q2 2027. The AI infrastructure for building, maintaining and monitoring proprietary lending systems. Upload guidelines. Build products. Update pricing. Change credit policy. Test and deploy new rules. Built with AI. Executed deterministically. Owned by the lender.
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Build and maintain
Upload guidelines, build products, and update pricing with AI-assisted workflows. You publish the rules.
AI does not decide
AI helps build and maintain the system. It does not produce the underwriting decision.
Executed on rules
The decision stays on published rules. Same file, same rules, same answer.
If you still have questions, ask us.
What is LoanPASS AUS?
LoanPASS AUS automates underwriting for non-agency, portfolio and specialty lending. It applies your own credit policy and returns an underwriting decision, findings and assigned conditions in real time.
How is LoanPASS different from agency automated underwriting?
Agency automated underwriting applies agency guidelines. LoanPASS applies yours—your products, your overlays, your credit box.
Can LoanPASS replace our product and pricing engine?
Yes. LoanPASS PricingEngine can serve as your primary pricing, eligibility and locking engine. Because pricing and underwriting run on the same configurable rules engine, they stay aligned from quote through decision.
What loan types does LoanPASS support?
Non-QM, DSCR, business purpose, portfolio, jumbo, HELOC, manufactured housing, construction and virtually any lending product that can be expressed as rules.
How long does implementation take?
Days, not months. One lender went live with LoanPASS PricingEngine in less than one week after being quoted 45 to 60 days by incumbents.
Can we use LoanPASS through our existing technology?
Yes. Use LoanPASS directly or integrate through our API, LOS and other integration partners.
Automated underwriting you can explain to an examiner
Bring a guideline set to the demo. We will show you how it runs as rules, and how every decision traces back to the line of your policy that produced it.
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