Greenhills Capital Management Selects LoanPASS PPE to Power Technology-First Growth Strategy and Expand DSCR Lending Capabilities

LoanPASS, the mortgage decisioning platform that unifies pricing, eligibility, and underwriting in a single configurable engine, today announced that Greenhills Capital Management (GCM)  has selected LoanPASS to power its pricing and eligibility platform as the company launches its Non-QM and DSCR lending business.

As a technology-forward lender focused on delivering a superior broker experience, GCM  evaluated multiple pricing platforms before selecting LoanPASS. The decision centered on flexibility, implementation speed, and a product roadmap aligned with the future of Non-QM lending.

Rather than forcing the lender to simplify or limit its product offerings, LoanPASS enables GCM  to support its complete suite of programs including specialized DSCR and other Non-QM products within a single pricing engine.

Shawn O. Kelly stated, “the flexibility LoanPASS provides was a major differentiator. It allows us to support loan programs that other pricing engines simply don't accommodate, ensuring our full product lineup reaches the market without compromise."

A key capability influencing the decision was LoanPASS' ability to ingest loan application data and MISMO files directly into the pricing process. Instead of relying solely on manually entered scenarios, brokers and internal teams can evaluate complete loan files, improving pricing accuracy and creating greater confidence earlier in the lending process.

For a lender whose strategy extends beyond pricing, the decision was equally about where mortgage technology is heading.

"We're intentionally building our company around partners that are looking ahead. LoanPASS isn't just solving today's pricing needs, it has a clear vision for where Portfolio lending and Non-QM technology is going. The ability to combine pricing, eligibility, MISMO file support, and Automated Underwriting capabilities within a single workflow creates opportunities that simply aren't available elsewhere" stated Mr. Kelly. 

With LoanPASS Product and Pricing Engine and LoanPASS AU (Automated Underwriting) combining pricing, eligibility, and future automated decisioning into one platform, the lender expects to provide brokers with meaningful pre-approvals backed by substantially more information than traditional pricing tools can deliver. Rather than competing solely on rate, the company intends to differentiate itself through certainty, speed, and a more intelligent point-of-sale experience.

Implementation also proved to be a significant differentiator.

While competing platforms projected implementation timelines of 45 to 90 days or longer. LoanPASS delivered live pricing within a few weeks, with website integration immediately following.

"The implementation experience has been completely different. We already have pricing running and are completing our website integration. Throughout the process we've felt like partners rather than customers waiting in line. We feel like we're helping shape the solution instead of being subject to it." said Kelly. 

Beyond implementation speed, GCM cited LoanPASS' configurable rule engine, support for niche Non-QM and DSCR products, expanding API ecosystem, and future Portfolio Automated Underwriting roadmap as key reasons for its decision.

Mr. Kelly stated, "this is more than a pricing engine. It's a platform we can build our future technology stack around. From expanded program support to future Non-QM automated underwriting, LoanPASS gives us a foundation to continue differentiating ourselves in the market. Pricing was never the primary reason for our decision, but receiving all of these capabilities at a more favorable cost certainly reinforced the choice." 

"We're seeing lenders recognize that pricing alone is no longer enough," said Bill Mitchell, Chief Revenue Officer for LoanPASS. "Modern lenders need a platform that combines pricing, eligibility, workflow automation, and intelligent decisioning, especially as DSCR and Non-QM lending continue to evolve. We're excited to partner with GCM as they build a technology platform designed for long-term growth."

As DSCR lending continues to represent one of the fastest-growing segments of the Non-Agency market, lenders are increasingly seeking technology that can adapt to complex investor guidelines while delivering faster, more confident decisions. LoanPASS provides lenders with configurable rules, real-time pricing and eligibility, API-first architecture, MISMO integration, and a roadmap that extends beyond pricing into Portfolio Automated Underwriting.

About Greenhills Capital Management

Greenhills Capital Management LLC is led by experienced executives with over 80 years of combined expertise in mortgage lending, securitization, and investment. Our technology-driven platform and specialized underwriting process serve real estate buyers and investors nationwide. We offer various capital options, innovative solutions, and reliable support to meet your mortgage funding needs.

About LoanPASS

LoanPASS is a modern product, pricing, eligibility, and automated underwriting platform designed for agency, non-agency, private credit, and portfolio lending. LoanPASS empowers banks, credit unions, IMBs, and private lenders to automate decisions, accelerate product deployment, and increase underwriting throughput without expanding staff or relying on legacy tools. With a flexible no-code rules engine and open API architecture, LoanPASS enables lenders to digitize manual pricing and underwriting workflows, ensure consistent and compliant decisions, and deliver faster borrower responses. LoanPASS AU, the company’s automated underwriting solution, extends these capabilities to portfolio, Non-QM, Bank Statement, DSCR, business-purpose, and other nonagency lending programs by providing automated eligibility validation, underwriting recommendations, conditions management and decision support. Together, LoanPASS helps lenders improve loan quality, speed, efficiency, and profitability. LoanPASS operates alongside PMI Rate Pro, a mortgage insurance quoting and ordering platform supporting all major U.S. MI providers. Visit LoanPASS for more information.