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 / Refer / 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.
Pricing
Return the price available for a loan that actually qualifies.
Underwriting Decision
Approve, Refer 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.
Price and underwrite from the same rules.
The price is only good if the loan is approvable. LoanPASS PricingEngine and LoanPASS AUS run on the same configurable rules engine. Pricing, eligibility, underwriting, conditions, locking and investor overlays all draw from the same lending logic.
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 products, calculations, eligibility, pricing, credit rules, conditions, role assignments and investor overlays.
The lender’s logic can change without rebuilding the underlying software.
Guidelines / Credit Policy / Rate Sheets → LoanPASS Schema → PricingEngine + AUS
AI interprets and builds. LoanPASS executes.
AI is becoming extraordinarily capable at reading guidelines, identifying changes and helping build complex lending systems. LoanPASS uses AI to build products, translate guidelines into rules, maintain rate sheets, identify policy changes, generate test scenarios and diagnose configuration issues. Once a lender reviews and approves the translation, the approved rules are applied deterministically to each loan. The system does not need AI to reread and reinterpret the underwriting manual for every new loan.
Explore AI at LoanPASS
Build products & rules
Build products and translate approved guidelines into executable rules.
Maintain policy
Maintain rate sheets and identify guideline or policy changes.
Test & diagnose
Generate test scenarios and diagnose configuration issues.
Built for lenders with their own credit box.
Four lender types. One configurable architecture across products and channels.
Banks & Credit Unions
Turn portfolio guidelines into your own automated underwriting system.
Explore Banks & Credit Unions
Non-QM & Non-Agency Lenders
Automate bank statement, asset depletion, 1099, P&L and other non-agency programs.
Explore Non-QM Lending
Business Purpose Lenders
Automate DSCR, bridge, fix & flip, RTL and construction lending.
Explore Business Purpose
TPR & QA Firms
Re-underwrite and validate loans against the same published rules used to make the original decision.
Explore TPR & QA
The decision is only the beginning.
Assigned Conditions
What is required
Why it is required
Who owns it
Every loan can generate a different set of conditions against any number of borrower attributes before closing. LoanPASS ties each condition to the rules that created it and assigns it to the appropriate role in the lender’s workflow.
When it must be satisfied
AUS
A credit decision becomes an executable underwriting workflow.
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.
Learn More
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.
Frequently asked 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 underwriting?
Agency underwriting runs agency guidelines. 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 or integrate through our API, LOS and other integration 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.
Your guidelines. Your credit box. Your underwriting decision.
Schedule a Demo