Replay the lender’s published rules so the review matches the original finding. LoanPASS AUS is the replay. PricingEngine and QuickPricer matter when the review includes the price. BulkPricer is the book. PMIPricer only when the file is conventional.
You are not originating the loan. You are proving the last decision.
A TPR or QA shop is hired to re-underwrite. If you work from a PDF and a checklist, two reviewers can land in two places. If you work from the published rules, replay is the job.
Same box
Published rules
Run the lender’s published rules, not a generic Non-QM template.
Same finding
Approve, review, rejected
Approve, review, or rejected, with the condition that fired.
A trail
Guideline line
Each condition points at the guideline line behind it.
One pass returns the finding you have to defend.
AUS
Decision
Approve, review, or rejected against the published box.
Findings
Conditions
What still has to clear, tied to the rule that produced it.
Rule sets
Replay
Same file, same published rules, same answer the next time someone pulls it.
Non-QM and wholesale shops send you the files. The box has to travel with them.
Investors and warehouse banks buy review. Lenders buy pre-funding and post-close QC. Those boxes change. Your review is only as good as the version that was live on the decision date.
Files
Non-QM files
Bank statement, asset depletion, 1099, and P&L, run on the published box.
Overlays
Wholesale overlays
The buyer’s overlays travel with the file you are reviewing.
Version
Versioned rules
Review against the box that was live on the decision date.
The Solution
Price, underwrite, quote, value portfolios and compare MI using the same configurable LoanPASS rules engine, whether you use LoanPASS directly or integrate through our API.
Price instantly with sub-second responses. Reduce cost with no-code configuration, simple integrations and transparent pricing.
Explore PricingEngine
Give brokers and borrowers instant approvals and trusted rates using your live LoanPASS rules, on your website or broker portal.
Explore QuickPricer
Price an entire portfolio in one pass. Value thousands of loans against your own live pricing and eligibility rules, with FICO 10T ready for the score transition.
Explore BulkPricer
Get instant quotes from all six MI providers across all five standard products. Sort by best execution or by your own risk allocation strategy.
Explore PMIPricer
What lenders ask first.
What is TPR in mortgage?
TPR is third-party review. An outside shop re-underwrites a file for an investor, a warehouse, or the lender. The job is to test the last decision against the guideline that was supposed to apply.
Can AUS hold more than one investor’s rules?
Yes. You can assign different underwriting rule sets by product, channel, investor, or even user role. One AUS, many boxes.
What finding does the engine return?
Approve, review, or rejected, with findings and conditions. Each condition traces to the guideline line behind it.
Do you support Non-QM income methods?
Yes. Bank statement, asset depletion, 1099, and P&L, plus the overlays a wholesale buyer adds on top.
How is QA different from TPR?
QA is usually the lender’s own pre-funding or post-close review. TPR is the same work sold as a service. Both need a published box they can rerun, not a fresh reading of a PDF.
Will the finding match the lender’s?
If you are running the same published rules they used on that date, yes. That is the point of replay.
Who updates the rules when a guideline changes?
Your team, or the lender that published the box. Edit the rule and publish it. The next review reads the new version.
Does this replace the lender’s AUS?
No. The lender still publishes the rules and decisions the file. You rerun that published box. If they do not have one, the review starts from a PDF again.
Does LoanPASS use AI to review the file?
No. AI can help a shop get a guideline into rules faster. The review itself is the published rules on the file.
Bring a file you already reviewed.
Bring one investor guideline and one file your desk already signed off. We load the rules, run the file, and you compare the finding to your review.
Schedule a Demo