The automated underwriting system for non-agency and portfolio lending
Agency loans have DU and LPA. Everything else gets underwritten manually. LoanPASS runs your credit policy against Non-QM, DSCR, business purpose, and portfolio book loans in real time.
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Non-agency
Bank statement
DSCR
Asset depletion
1099 and P&L
Fix and flip
Bridge
Agency & portfolio
Conventional
HELOC
Portfolio products
One Platform
One Ruleset
Your business, and your rules, applied to every product, and every decision.
Approve, refer, or decline
Decision against your credit policy, with findings and conditions.
Best-execution price
Rate, points, and adjustments from the same rules as the decision.
Mortgage insurance premium
Every carrier compared from the same file, no re-keying.
Trusted by the biggest names in lending.
The Problem
Your best programs have no AUS.
DU and LPA 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.”
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.
CreditDecisionEngine
Automated underwriting for the loans DU and LPA cannot touch. Non-QM, DSCR, bank statement, and business purpose, decisioned against the guidelines you wrote.
“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
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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.”
SVP Wholesale Lending, SmartFi
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QuickPricer
Fast and easy to use. QuickPricer is the perfect fit when your biggest priority is an approval and a rate you can trust. Scenario pricing you can drop into your website or broker portal. Every quote comes off your live rules, never a stale rate sheet.
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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.
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PMIPricer
Every MI carrier compared in one request, standalone or inside the pricing flow. No portals, no re-keying.
“We all love the product and have already saved deals because of it.”
NBKC Bank
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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.”
GM of Manufactured Housing Lending, Credit Human
Banks and Credit Unions
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.”
VP of Mortgage Operations, Verus Mortgage Capital
Non-QM Lending
TPO Lenders
Wholesale and correspondent files, decisioned and priced against each investor’s overlays. Non-agency and portfolio stay on the same engine.
TPO Lenders
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.”
EVP Correspondent Lending, Oaktree Funding Corp
Business Purpose Lending
AI writes the rules faster. Only the rules decide the loan.
AI works in two places on LoanPASS: writing rules and answering questions about them. It does not run on the loan file, because a decision has to come out the same way every time it is run.
Explore AI at LoanPASS
Configuration
Hand it a guideline PDF or an investor bulletin. It drafts the rule conditions, your team reviews them, and you publish.
Support & Response
Ask why a file referred or what a rule requires. The answer comes from your own rule text and that file’s findings, in the platform, not from a vendor queue.
Resiliency
Why not in the decision: a rule is a fixed condition. Same file, same rules, same answer. Rate and guideline changes are rule edits you publish once, not AI.
Time to go live
Months of onboarding, or a few days?
Our competitors
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.
“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 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 LPA 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 real time.
What is a decision engine?
A decision engine evaluates data against rules and returns a determination automatically. In LoanPASS, underwriting and pricing run on one rule set, so a quoted rate is a rate the file is eligible for. PMIPricer quotes MI from the loan facts already on the file, not from those rules.
How is LoanPASS different from DU or LPA?
DU and LPA 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 our product and pricing engine?
Yes. Lenders run PricingEngine as their only product and pricing engine. 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 every carrier in one request, standalone or inside the pricing flow. It reads the facts already on the file. No portals, no re-keying.
How fast are decisions?
A full rules evaluation with findings and conditions, returned in real time.
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 less than 1 week.
What is the difference between an automated underwriting system and a pricing engine?
An automated underwriting system decides whether the file is eligible and returns findings and conditions. A pricing engine returns the rate, points, and adjustments for the products the file fits. On LoanPASS, PricingEngine reads the rules CreditDecisionEngine decides with, so the price and the decision cannot drift apart.
What is a non-agency AUS?
A non-agency AUS is an automated underwriting system that runs a lender’s own guidelines instead of Fannie Mae’s or Freddie Mac’s. It covers the loans DU and LPA will not take: Non-QM, business purpose, and portfolio programs. LoanPASS CreditDecisionEngine is a configurable non-agency AUS, so the credit box it runs is the one you wrote.
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 explain to an examiner
Bring a guideline set to the demo. We will show you how it runs as rules, and how every decision traces back to the line of your policy that produced it.
Schedule a Demo