DecisionGenius is a mortgage underwriting automation and AI solution that delivers automated, risk-based decisions across the four pillars of mortgage underwriting: credit, assets, income, and collateral. It leverages automation and AI to quickly compile and analyze all available information in one centralized location, enabling processors and underwriters to gain a complete view of risk and make faster, more informed loan and credit decisions.

Key Features

Automated Risk Assessment Delivers automated, risk-based decisions across credit, assets, income, and collateral

• Analyzes all available information in one centralized location
• Provides a complete view of risk for processors and underwriters

Improved Productivity Enhances efficiency for loan officers, processors, and underwriters

• Reduces time spent on data verifications and validations
• Enables analysis of more loans in less time

Consistent Decision-Making Generates data-driven mortgage underwriting recommendations

• Ensures consistency in underwriting decisions
• Reduces risk through standardized analysis

Benefits

Time Savings Significantly reduces processing and underwriting time

• Average reduction of over 60% in underwriter review time
• Average reduction of over 50% in processor file preparation time

Increased Efficiency Streamlines the loan decision process

• Average reduction of 50% in the number of times an underwriter touches a file
• Improves pull-through rates and processor productivity

Risk Reduction Enhances risk management through consistent, data-driven decisions

• Provides system-driven validations backed by digitized data
• Ensures compliance with underwriting guidelines