The only automated underwriting system built for non-agency lending
Agency loans have DU and LP. Everything else gets underwritten by hand. LoanPASS decisions Non-QM, DSCR, and business purpose loans against your own guidelines in under a second.
Your guidelines
Bank statement
DSCR
Asset depletion
1099 and P&L
Fix and flip
One decision engine
Your rules, evaluated in under a second
Underwriting decision
Approve, refer, or decline, with findings & conditions
Price
Rate, points, and every adjustment applied
MI premium
All six carriers compared in the same request
Trusted by the biggest names in lending.
The Problem
Your best programs have no AUS.
DU and LP stop at the agency box. Bank statement, DSCR, asset depletion, 1099: the loans that differentiate you are still underwritten by hand.
The market moves faster than your systems.
Rates swing. Investor guidelines change. Every update becomes a vendor ticket, and the opportunity moves on without you.
The pricing picture is never complete.
Pricing, credit policy, and MI live in three systems. So you quote loans you can’t approve, and swivel-chair to carrier portals for the number that moves the payment.
“When I saw what LoanPASS could do, I thought: this is the answer we’ve been looking for.”
Greg Meola, Head of Business Development & Strategy, Acra Lending
The Solution
Every product reads the same guidelines you already wrote. Run them in the LoanPASS dashboard or wire them into your stack over the API.
Automated underwriting
DecisionEngine
Automated underwriting for the loans DU and LP cannot touch. Non-QM, DSCR, bank statement, and business purpose, decisioned against the guidelines you wrote.
Explore DecisionEngine
Product and pricing
PricingEngine
Price, compare, and lock your full product shelf. Eligibility comes from the same rules that underwrite the loan, so a quoted rate is always a rate you can approve.
“LoanPASS allows us to deliver top-tier reverse mortgage products with accuracy and speed.”
Kim Smith, SVP Wholesale Lending, SmartFi
Explore PricingEngine
Embeddable
QuickPricer
Scenario pricing you can drop into your website or broker portal. Every quote comes off your live rules, never a stale rate sheet.
Your website
Broker portal
Wholesale site
Explore QuickPricer
Portfolio and trading
BulkPricer
Price an entire portfolio in one pass instead of one loan at a time. Loan portfolio valuation against your own rules, with FICO 10T ready for the score transition.
Bid tape
Mini bulk
Whole loan trading
Explore BulkPricer
Mortgage insurance
PMIPricer
All six MI carriers compared in one request, standalone or inside the pricing flow. No portals, no re-keying.
Explore PMIPricer
Non-QM Lenders
Bank statement, asset depletion, 1099, and P&L, decisioned automatically. Documentation types no agency AUS will ever touch.
“Configurable in a way that other systems fall short. The tools are there to solve complex problems specific to our business.”
Dan Olson, VP of Mortgage Operations, Verus Mortgage Capital
Non-QM Lending
Business Purpose Lenders
DSCR, fix and flip, bridge, and construction, decisioned on property cash flow and your own credit box.
“Their pricing engine is best-in-class for construction and fix-and-flip loans.”
Darin Judis, EVP Correspondent Lending, Oaktree Funding Corp
Business Purpose Lending
Banks and Credit Unions
Specialty programs your core systems can’t touch, from manufactured housing to portfolio products, with a rule-level audit trail.
“LoanPASS has helped a lot in achieving our long-term goals of improving efficiency and member experience.”
John Walters, GM of Manufactured Housing Lending, Credit Human
Customer Success
Under 1s
Decision turnaround
A full rules evaluation with findings and conditions, returned in under a second.
100%
Traceable decisions
Every decision traces to the exact rule that produced it. Same file, same rules, same answer.
1 day
Fastest go-live
Green Hills was quoted 45 to 60 days by incumbents. Live on LoanPASS pricing in about one business day.
All 6
MI carriers compared
PMIPricer quotes every carrier in one request, inside the same pricing flow.
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.
Configuration
Stand up new programs and encode guideline changes in a fraction of the time.
Support and response
Answers about your own rules and decisions immediately, not from a vendor queue.
Resiliency
Rates move, you update once and reprice the whole shelf the same day.
Time to go live
Months of onboarding, or a few days?
Incumbent pricing engines
45 to 60 days quoted
LoanPASS
Less than 1 week
Green Hills Capital went live with LoanPASS PricingEngine in less than a week.
Watch the story, 62 seconds
Step 1
Load your guidelines.
We encode your first programs as rules alongside your team. Bring guideline PDFs, leave with a running engine.
Step 2
Connect your stack.
Dashboard access on day one. API, LOS, and QuickPricer embeds wired in parallel.
Step 3
Validate and go live.
Run your recent files through the engine and compare against your own manual decisions.
What is an automated underwriting system (AUS)?
An automated underwriting system evaluates a loan file against guidelines and returns a decision automatically. Desktop Underwriter and Loan Product Advisor handle automated loan underwriting for agency loans. LoanPASS does it for everything outside the agency box, against your own guidelines.
Is there an AUS for Non-QM loans?
Yes. DU and LP only underwrite agency-eligible loans, which is why most Non-QM lending is still manual. LoanPASS decisions bank statement, DSCR, asset depletion, 1099, and P&L programs in under a second.
What is a decision engine?
A decision engine evaluates data against rules and returns a determination automatically. In LoanPASS, underwriting, pricing, and MI all run on the same rules, so a priced loan is always an approvable loan.
How is LoanPASS different from DU or LP?
DU and LP underwrite to agency guidelines you cannot change. LoanPASS underwrites to yours, in a no-code interface, with every decision explainable down to the rule.
Can LoanPASS replace Optimal Blue, Polly, or LenderPrice?
Yes. Lenders run LoanPASS as a full replacement. The difference is that pricing runs on the underwriting engine, so pricing and eligibility never fall out of sync.
What loan types does LoanPASS support?
Non-QM (bank statement, DSCR, asset depletion, 1099, P&L), business purpose (DSCR, fix and flip, bridge, construction), and any program you can express as rules.
Can LoanPASS quote mortgage insurance?
Yes. PMIPricer compares all six carriers in one request, standalone or inside the pricing flow. It runs on the same engine as pricing, so the premium always matches the rest of the loan.
How fast are decisions?
Under a second for a full rules evaluation with findings and conditions.
Does LoanPASS use AI to underwrite loans?
No, deliberately. Decisions come from deterministic rules you define, so they stay repeatable and explainable to auditors and investors. AI speeds up the work around the decision: configuration, guideline changes, and answering questions about your rules.
How long does implementation take?
Days to weeks, not quarters. One customer quoted 45 to 60 days by incumbents was live on LoanPASS in about one business day.
What is support like after go-live?
You work directly with the people who build and configure the platform. When your rules can express a product idea, the answer is usually yes.
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