Underwrite Faster. Launch Sooner.

Underwrite Faster. Launch Sooner.

Underwrite Faster. Launch Sooner.

Meet the industry’s only fully configurable underwriting system built for Non-QM and Portfolio lending. Decision files like DU/LP—but on your terms, with your guidelines, for any product type.

Meet the industry’s only fully configurable underwriting system built for Non-QM and Portfolio lending. Decision files like DU/LP—but on your terms, with your guidelines, for any product type.

Meet the industry’s only fully configurable underwriting system built for Non-QM and Portfolio lending. Decision files like DU/LP—but on your terms, with your guidelines, for any product type.

Feature

LoanPASS Portfolio AUS

DU/LPA

Custom Loan Types (non-QM, DSCR, etc)

Use own credit & eligibility logic

Integrated with pricing engine

Configurable without developers

Use across loan lifecylcle

Meet the industry’s only fully configurable underwriting system built for Non-QM and Portfolio lending. Decision files like DU/LP—but on your terms, with your guidelines, for any product type.

Meet the industry’s only fully configurable underwriting system built for Non-QM and Portfolio lending. Decision files like DU/LP—but on your terms, with your guidelines, for any product type.

Meet the industry’s only fully configurable underwriting system built for Non-QM and Portfolio lending. Decision files like DU/LP—but on your terms, with your guidelines, for any product type.

COMING SOON

Our customers love us for many reasons. Here's a few of them.

Our customers love us for many reasons. Here's a few of them.

Frequently Asked Questions

What is LoanPASS AUS?

LoanPASS AUS is an automated underwriting service that uses your configured rules to evaluate loan scenarios in real time, generate eligibility decisions, and return conditions or stipulations.

Can we build our own underwriting rules?

Yes. You can build, manage, and deploy your own rules through a low code interface. There is no need to rely on developers or wait for vendor updates.

Can we build our own underwriting rules?

Yes. You can build, manage, and deploy your own rules through a low code interface. There is no need to rely on developers or wait for vendor updates.

Can we build our own underwriting rules?

Yes. You can build, manage, and deploy your own rules through a low code interface. There is no need to rely on developers or wait for vendor updates.

Can we build our own underwriting rules?

Yes. You can build, manage, and deploy your own rules through a low code interface. There is no need to rely on developers or wait for vendor updates.

Does it work with Non-QM and business purpose loans?

Absolutely. LoanPASS AUS is product agnostic and works across all loan types, including complex Non-QM, DSCR, and asset based programs.

Can we generate custom conditions or documentation requirements?

Yes. You can define conditions based on any scenario data—such as income type, loan amount, LTV, or investor preference—and return them automatically with the decision.

Can we generate custom conditions or documentation requirements?

Yes. You can define conditions based on any scenario data—such as income type, loan amount, LTV, or investor preference—and return them automatically with the decision.

Can we generate custom conditions or documentation requirements?

Yes. You can define conditions based on any scenario data—such as income type, loan amount, LTV, or investor preference—and return them automatically with the decision.

Can we generate custom conditions or documentation requirements?

Yes. You can define conditions based on any scenario data—such as income type, loan amount, LTV, or investor preference—and return them automatically with the decision.

How fast are underwriting decisions returned?

Underwriting results are delivered instantly, typically in under one second, allowing you to quote, disclose, or lock without delay.

How fast are underwriting decisions returned?

Underwriting results are delivered instantly, typically in under one second, allowing you to quote, disclose, or lock without delay.

How fast are underwriting decisions returned?

Underwriting results are delivered instantly, typically in under one second, allowing you to quote, disclose, or lock without delay.

How fast are underwriting decisions returned?

Underwriting results are delivered instantly, typically in under one second, allowing you to quote, disclose, or lock without delay.

Is LoanPASS AUS a rules engine or a full underwriting system?

It is both. It acts as a rules engine that powers real time decisioning and outputs conditions, eligibility results, and stipulations in a structured and auditable format.

Can underwriting decisions block pricing or locking?

Yes. You can configure rules that restrict locks or pricing until a loan is eligible, ensuring that nonqualifying scenarios are filtered before they move forward.

Can underwriting decisions block pricing or locking?

Yes. You can configure rules that restrict locks or pricing until a loan is eligible, ensuring that nonqualifying scenarios are filtered before they move forward.

Can underwriting decisions block pricing or locking?

Yes. You can configure rules that restrict locks or pricing until a loan is eligible, ensuring that nonqualifying scenarios are filtered before they move forward.

Can underwriting decisions block pricing or locking?

Yes. You can configure rules that restrict locks or pricing until a loan is eligible, ensuring that nonqualifying scenarios are filtered before they move forward.

How do we audit decisions or track changes to our rules?

All decisions and rule changes are logged with timestamps and user activity. You can view historical decisions and export rule versions at any time.

How do we audit decisions or track changes to our rules?

All decisions and rule changes are logged with timestamps and user activity. You can view historical decisions and export rule versions at any time.

How do we audit decisions or track changes to our rules?

All decisions and rule changes are logged with timestamps and user activity. You can view historical decisions and export rule versions at any time.

How do we audit decisions or track changes to our rules?

All decisions and rule changes are logged with timestamps and user activity. You can view historical decisions and export rule versions at any time.

Can different products or channels use different underwriting logic?

Yes. You can assign different underwriting rule sets by product, channel, investor, or even user role, giving you full flexibility to tailor decisioning to your business model.

Can different products or channels use different underwriting logic?

Yes. You can assign different underwriting rule sets by product, channel, investor, or even user role, giving you full flexibility to tailor decisioning to your business model.

Can different products or channels use different underwriting logic?

Yes. You can assign different underwriting rule sets by product, channel, investor, or even user role, giving you full flexibility to tailor decisioning to your business model.

Can different products or channels use different underwriting logic?

Yes. You can assign different underwriting rule sets by product, channel, investor, or even user role, giving you full flexibility to tailor decisioning to your business model.

Ready to launch a smarter AUS for non-QM?

Ready to launch a smarter AUS for non-QM?

Turn complex pricing into a competitive advantage with LoanPASS Portfolio AUS. Faster quotes, smarter decisions, and total control—built for modern lending.

Our customers love us for many reasons. Here's a few of them.

Our customers love us for many reasons. Here's a few of them.