CreditDecisionEngine
The only automated underwriting system built for non-agency and portfolio lending
Agency loans have DU and LPA. Everything else gets underwritten manually. CreditDecisionEngine runs your credit policy against Non-QM, DSCR, business purpose, and portfolio book loans in real time.
Configure with AI. Decide with rules.
What it decides
A credit decision engine that returns the whole answer
CreditDecisionEngine is an automated underwriting system. It evaluates a complete loan file against the guidelines you wrote and returns approve, refer, or decline, with findings and conditions, in real time.
Approve
Eligible against your guidelines, with the conditions that still have to clear.
Refer
A finding that tells the desk exactly which rule sent the file to review.
Decline
Ineligible, with the guideline behind the no.
Write your credit policy as rules. CreditDecisionEngine runs the loan decisioning: one rules evaluation returns eligibility, findings, and conditions. Pricing and mortgage insurance quoting run on the same rules, so they can never disagree.
What comes back with the decision
Eligibility against the credit box you wrote.
Findings and conditions, each traced to a rule.
A price from the same rules (rate, points, adjustments) via PricingEngine.
An MI premium from the same rules via PMIPricer, when the loan takes MI.
One underwriting decision, price, and MI premium, produced from the same rules.
How you configure it
Your guidelines. Your credit box. No vendor release cycle.
You build, manage, and deploy the rules. There is no waiting on a vendor to interpret a guideline update. AI helps you stand up programs and encode changes. The rules alone make the decision.
What you can express as a rule
Non-QM documentation: bank statement, asset depletion, 1099, P&L
Business purpose: DSCR, fix and flip, bridge, construction
Agency and portfolio programs you keep in-house: conventional, HELOC, portfolio products
Other programs you can write as rules
Conditions tied to scenario data (income type, loan amount, LTV, investor preference)
Different rule sets by product, channel, investor, or user role
“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
Built for the loans DU and LPA cannot touch
Non-agency and portfolio, on one automated underwriting system
Desktop Underwriter and Loan Product Advisor are the AUS for agency-eligible loans. They are the standard. CreditDecisionEngine does not replace them. It is the automated underwriting system for everything they will not underwrite.
Banks and Credit Unions
Specialty programs and portfolio products, with a rule-level audit trail.
Banks and Credit Unions
Non-QM Lenders
Bank statement, asset depletion, 1099, and P&L, decisioned automatically.
Non-QM Lending
TPO Lenders
Wholesale and correspondent files, decisioned against each investor’s overlays.
TPO Lenders
Business Purpose Lenders
DSCR, fix and flip, bridge, and construction, on your credit box.
Business Purpose Lending
One engine, not a swivel chair
The price is only good if the loan is approvable
A quoted rate that fails underwriting is not a price. CreditDecisionEngine holds the credit policy; PricingEngine and PMIPricer read the same policy. One rule set produces the whole answer: the underwriting decision, the best-execution price, and the MI premium, so the three can never fall out of sync. You can configure rules that restrict locks or pricing until the file is eligible.
“LoanPASS is faster, it’s cheaper, and it’s really just a much better tool for decisioning than any other PPE in the industry.”
Founder & CEO, Loan House
Performance
Fast enough to quote. Strict enough to audit.
Automated credit decisioning only earns its place if it is fast enough to sit in the quoting path and strict enough to survive an audit. CreditDecisionEngine is built for both.
Under [X]
Underwriting results returned in real time, findings and conditions included.
[X] traceable
Every decision traces to the rule that produced it. Same input, same output.
What feeds the engine, and what does not
CreditDecisionEngine decides. The rest of the stack feeds it.
Feeds the engine
LOS
POS
Document AI
LOS, POS, and document tools send the file. Document AI reads and verifies. It does not replace an automated underwriting system.
Decides
CreditDecisionEngine
The credit decision engine returns the determination.
AI where it helps. Never in the decision.
Same file, same rules, same answer, every time. That is what survives an audit. We use AI where it makes you faster, not where it makes you unexplainable.
Explore AI at LoanPASS
Configuration
Stand up new programs and encode guideline changes.
Support
Answers about your own rules and decisions, not a vendor queue.
Resiliency
Update once and reprice the shelf when rates move.
AI helps you change the rules faster. The rules still make the decision.
“We can add fields, update pricing, or adjust product guidelines on the fly, without waiting on development teams.”
EVP of Capital Markets, SmartFi
Implementation and partnership
Live in days. Backed like a partner.
Days to weeks, not quarters. Dashboard access on day one. You encode the first programs as rules alongside the people who build the platform.
Step 1
Load your guidelines.
Step 2
Connect your stack (dashboard, API, embeds).
Step 3
Validate recent files against your own manual decisions, then go live.
“The people at LoanPASS are as impressive as their technology. I don’t know if we are their most important client, but they consistently make me feel like I am.”
VP of Mortgage Operations, Verus Mortgage Capital
“After using LoanPASS to support select products for almost two years, the value was so clear that we didn’t hesitate to expand our engagement and sign a new three-year agreement.”
Managing Director of Correspondent Lending, Acra Lending
If you still have questions, ask us.
What is CreditDecisionEngine?
CreditDecisionEngine is LoanPASS’s automated underwriting system and credit decision engine. It evaluates a loan file against the guidelines you configured and returns an eligibility decision with findings and conditions.
What is automated underwriting software?
Automated underwriting software evaluates a loan file against guidelines and returns a decision without a manual first pass. Desktop Underwriter and Loan Product Advisor handle automated loan underwriting for agency loans. CreditDecisionEngine does it for non-agency and portfolio loans, against your credit policy.
What is a credit decision engine?
A credit decision engine evaluates borrower and loan data against credit policy rules and returns a determination automatically. In LoanPASS, underwriting, pricing, and MI quoting run on the same credit decisioning rules, so a priced loan is always an approvable loan.
Can we build our own underwriting rules?
Yes. You build, manage, and deploy your own rules. You do not wait on a vendor release to change a guideline.
Does it work with Non-QM and business purpose loans?
Yes. Bank statement, DSCR, asset depletion, 1099, P&L, fix and flip, bridge, construction, and any other program you can express as rules.
Can we generate custom conditions?
Yes. You can define conditions from scenario data (income type, loan amount, LTV, investor preference) and return them with the decision.
How fast are underwriting decisions?
A full rules evaluation with findings and conditions, returned in real time.
How long does automated underwriting take?
The decision itself is returned in real time. Implementation is days to weeks, not quarters.
Is CreditDecisionEngine a rules engine or a full automated underwriting system?
Both. It is a credit decision engine that powers real-time decisioning and returns conditions, eligibility, and findings in an auditable format.
Can underwriting decisions block pricing or locking?
Yes. You can configure rules that restrict locks or pricing until the loan is eligible.
How do we audit decisions or track rule changes?
Decisions and rule changes are logged. You can view historical decisions and export rule versions.
Can different products or channels use different underwriting logic?
Yes. You can assign different rule sets by product, channel, investor, or user role.
Should we buy an AUS or build one?
Most lenders outside the agency box still route files to a desk because DU and LPA will not take them. Building mortgage underwriting software in-house means owning a rules engine, a pricing sync problem, and a maintenance queue for every guideline change. CreditDecisionEngine is the buy path: your guidelines, running as an automated underwriting system, without the multi-year build.
Does LoanPASS use AI to underwrite loans?
No, deliberately. Decisions come from deterministic rules you define. AI speeds up configuration, guideline changes, and answers about your rules. Explore AI at LoanPASS.
Does this replace DU or LPA?
No. DU and LPA underwrite agency guidelines you cannot change. CreditDecisionEngine underwrites yours.
Automated underwriting you can stand behind
Bring a guideline set to the demo. We will show you how it runs as rules.
Schedule a Demo