LoanPASS AUS
Agency lending has automated underwriting.
Who underwrites everything else?
LoanPASS does.
The AUS for non-agency, portfolio and specialty lending.
Automate complex underwriting against your own guidelines, credit policy and investor overlays with instant decisions, findings, assigned conditions and complete rule-level traceability.
Loan File
→
LoanPASS Rules Engine
→
Underwriting Decision
Approve / Review Required / Decline
Findings
Assigned Conditions
Pricing
Rule Trace
Automated underwriting beyond the agency credit box.
LoanPASS AUS turns your underwriting guidelines, investor overlays and credit policy into a configurable automated underwriting system. Upload a credit report and a 1003, the same inputs DU and LPA take. Appraisal upload is coming next, and that is not something the agency systems do. You can also call LoanPASS AUS through an API and run it inside your own software.
Underwriting Decision
Approve, Review Required, or Decline against your credit policy.
Findings
See exactly what drove the underwriting result.
Assigned Conditions
Generate the conditions required to close and assign them to the appropriate role.
Rule-Level Traceability
Trace every result back to the rules that produced it.
Pricing
Return the price available for a loan that actually qualifies.
The decision, the findings, and the conditions.
This is not underwriting assistance. LoanPASS underwrites the loan.
Pricing, rate-level eligibility, and lock management live in PricingEngine.
LoanPASS AUS returns the underwriting decision, findings, and conditions for non-agency, portfolio, and specialty loans. PricingEngine prices with its own eligibility, including which rates qualify. Those are separate decisions.
LoanPASS Configurable Rules Engine
Decision
Findings
Guidelines
Conditions
Traceability
Investor Overlays
AUS returns the decision. Pricing stays in PricingEngine.
Your credit policy becomes executable software.
LoanPASS does not hard-code your products into the application. We abstract lending logic into a configurable schema so our team (and eventually your team) can define and maintain:
Guidelines · Credit Policy · Rate Sheets
↓
LoanPASS Schema
↓
PricingEngine + AUS
Products
Calculations
Eligibility
Pricing
Credit Rules
Conditions
Investor Overlays
The lender’s logic can change without rebuilding the underlying software.
AI interprets and builds. LoanPASS executes.
AI is becoming extraordinarily capable at reading guidelines, identifying changes and helping build complex lending systems.
LoanPASS is using AI to help:
Build products
Translate guidelines into rules
Maintain rate sheets
Identify policy changes
Generate test scenarios
Diagnose configuration issues
Once the lender reviews and approves how its policy has been translated into LoanPASS, the approved rules are applied deterministically to each loan.
The system does not need AI to reread and reinterpret the lender’s underwriting manual every time a new loan arrives.
AI interprets and builds. LoanPASS executes.
AI is powerful. Reliability still varies.
Stanford’s 2026 AI Index reports wide performance ranges across professional-domain benchmarks including mortgage processing, corporate finance, tax and legal reasoning. Separate hallucination testing across leading models also showed significant variation.
LoanPASS uses AI where it creates leverage, then executes approved lending policy deterministically.
Built for lenders with their own credit box.
Banks and Credit Unions
Specialty and portfolio programs the core system cannot decision, with a rule-level audit trail.
Banks and Credit Unions
“LoanPASS has helped a lot in achieving our long-term goals of improving efficiency and member experience.”
GM of Manufactured Housing Lending, Credit Human
Non-QM and other non-agency lenders
Bank statement, asset depletion, 1099, and wholesale files, underwritten to the lender’s own box.
Non-QM Lending
“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
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.
Business Purpose Lending
“Their pricing engine is best-in-class for construction and fix-and-flip loans.”
EVP Correspondent Lending, Oaktree Funding Corp
Any Loan
Non-QM · BPL · RTL · Bank Portfolio · Jumbo · HELOC · Manufactured Housing · Construction · Bridge · Reverse · Specialty
Any Channel
Retail · Wholesale · Correspondent
One configurable architecture across products and channels.
The decision is only the beginning.
Every loan can generate a different set of conditions against any number of borrower attributes before closing. LoanPASS ties those conditions directly to the rules that created them and assigns them to the appropriate role in the lender’s workflow.
What is required
Why it is required
Who owns it
When it must be satisfied
A credit decision becomes an executable underwriting workflow.
Time to Go Live
Months of onboarding, or days?
Traditional implementations
45 to 60 days
LoanPASS
Less than one week
Green Hills Capital went live with LoanPASS PricingEngine in less than one week.
Watch the 62-second story
1. Send us your product guidelines.
We turn them into your own customized pricing and underwriting engine in less than a week.
2. Connect your systems.
Use LoanPASS directly, call the AUS through an API from your own software, or connect through an LOS and integration partners.
3. Validate and go live.
Run recent loans through LoanPASS, compare the results to your existing process and move to production.
Questions
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 runs guidelines you cannot change. LoanPASS underwrites to yours.
Can LoanPASS handle our own portfolio guidelines and overlays?
Yes. LoanPASS can be configured around your portfolio policy, investor guidelines, overlays or combinations of each.
What loan types does LoanPASS support?
Non-QM, DSCR, BPL, jumbo, HELOC, manufactured housing, construction, bridge, reverse and other specialty lending products.
Can we integrate LoanPASS through our existing technology?
Yes. Use LoanPASS directly, call the AUS through an API from your own software, or integrate through an LOS and other partners.
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.
Bring us your guidelines.
Bring a guideline set, credit policy or investor matrix to the demo. We’ll show you how LoanPASS turns it into executable lending rules and an automated underwriting decision.
Schedule a Demo
Your guidelines. Your credit box. Your underwriting decision.
