Loanpass for Banks & Credit Unions
Specialty programs your core systems cannot touch
From manufactured housing to portfolio products, LoanPASS is the automated underwriting system for the programs banks and credit unions run in house, with a rule-level audit trail.
Agency loans
DU and LPA
Desktop Underwriter and Loan Product Advisor are the standard for what the agencies will buy. We do not compete with them.
Your core book
Core origination system
Built for the products it shipped with. A new program means a new field, a new rule, and a release cycle.
Specialty and portfolio
CreditDecisionEngine
Manufactured housing, portfolio products, and the overlays your own committee approved.
Three lanes. The third one usually ends at an underwriter’s desk.
From a credit union using pricingengine
“LoanPASS has helped a lot in achieving our long-term goals of improving efficiency and member experience.”
General Manager of Manufactured Housing Lending, Credit Human
Decision, price, and mortgage insurance from the same rules.
The credit policy that underwrites the loan is the policy that prices it. A quoted rate is always a rate you can approve.
Automated underwriting
CreditDecisionEngine
Approve, refer, or decline against the guidelines you wrote, with each condition traced to the rule behind it.
Product and pricing
PricingEngine
Price, compare, and lock your full product shelf. Eligibility comes from the same rules that underwrite the loan.
Mortgage insurance
PMIPricer
Compare mortgage insurance carriers in one request, standalone or inside the pricing flow. No portals, no re-keying.
Agency systems stop. Your book does not.
DU and LPA underwrite what the agencies will buy. Your core system covers the products it was built for. In community bank lending and at credit unions, the programs in between still go to a desk.
The agency box
DU and LPA stop at the agency box
Desktop Underwriter and Loan Product Advisor are the standard for the loans the agencies will buy. Neither is built to answer for a credit box you wrote yourself.
Your core
Your core covers its own book
A specialty program means a new field, a new rule, and a release cycle. The opportunity moves before the change does.
What is left
What's left is underwritten manually
Manufactured housing, portfolio products, and member-specific overlays route to an underwriter, one file at a time.
Manufactured housing, member programs, and portfolio lending on one engine.
Three program families grounded in what banks and credit unions actually keep in house. If you can write the guideline, the engine can decide it.
Specialty
Manufactured housing
The program that sits outside the agency box and outside most cores. Decisioned against your own credit policy, with findings and conditions returned on the file.
Held for investment
Portfolio products
Portfolio lending means the credit box belongs to you, not to an investor. Write it once as rules and every held-for-investment product on your shelf is decisioned the same way.
Your own rules
Member and bank-specific overlays
The membership and institution-specific criteria that sit on top of a program. Assign different rule sets by product, channel, or user role, without a vendor ticket.
Some of the questions our clients asked before partnering with us.
Can a credit union run an AUS that is not DU or LPA?
Yes. Desktop Underwriter and Loan Product Advisor underwrite agency-eligible loans against guidelines you cannot change. LoanPASS is an automated underwriting system and credit decision engine for the programs outside that box, evaluated against the credit policy your own committee approved.
What does a rule-level audit trail mean?
Every finding and condition returned with a decision points back to the specific rule that produced it. Decisions and rule changes are logged and rule versions can be exported, so a reviewer can reconstruct why a file got the answer it got.
Does this replace our core system?
No. CreditDecisionEngine decides. Your core, LOS, and point-of-sale send the file and receive the determination. Document tools read and verify the paperwork; they do not make the credit decision.
Is this useful for portfolio lending?
That is the main case. Portfolio lending means the credit box belongs to you rather than to an investor, so no agency system will underwrite it. Encode the box as rules and the same engine decisions every held-for-investment product on your shelf.
Bring the program your core cannot run.
Bring a guideline set to the demo. We will show you how it runs as rules.
Schedule a Demo