DecisionGenius: Automated Loan Underwriting System

DecisionGenius™

Intelligent AI to Streamline Complex Mortgage Decisions

Indecomm’s DecisionGenius™ is an automated and AI-driven mortgage underwriting system that empowers faster, more informed mortgage credit analyses with automated, risk-based loan underwriting technology.

Join over 200 clients who have partnered with
Indecomm over the years

Transparent, Intelligent Loan Decisions. Powered by AI

Most automated underwriting systems give you a decision. DecisionGenius shows you why. Unlike traditional automated underwriting systems, DecisionGenius doesn’t just deliver a decision it shows you exactly how it got there. It delivers automated, risk-based analysis across credit, assets, income, and collateral with complete transparency into every finding. The result: underwriting teams that move faster, touch fewer files, and make decisions they can stand behind.

See How It Works

Follow the journey of a loan file as DecisionGenius identifies, classifies, versions, and prepares documents and data for downstream processes.

DecisionGenius
by the numbers

Improvement in
underwriter productivity ↑

0 %

Reduction in
underwriter touches

0 %

Improvement in
processor productivity ↑

0 %

Underwriting Decisions You
Can See, Trust & Defend

DecisionGenius™ is an AI-powered Automated Underwriting System (AUS) with an intelligent underwriting workbench, purpose-built for lenders, MI companies, and credit unions. At its core, DecisionGenius integrates every critical data source into a single, cohesive decision engine:

Simultaneously analyzes credit, income, assets, and collateral
Incorporates FHA/HUD rules, investor guidelines, LOS data, third-party data, and lender-specific underwriting rules
Delivers a complete, transparent picture of every loan file
Supports both FHA and conventional loan workflows out of the box
Handles both wage earner and self-employed borrower income analysis
See inside every decision with the DecisionGenius glass box.

What Our
Clients Say

Working with Indecomm has been an amazing experience. The onboarding process was quick and seamless, communication has been effective and responsive, and the work they’ve done with our releases and AOMs has consistently been fast, accurate, and reliable. We truly appreciate their partnership and the value they bring to our team. We couldn’t be happier with the support and service they provide.

Mary Stanford

VP Servicing Operations, Renovo Financial Mortgage Services

Indecomm has been a trusted partner to Newfi for many years and supports a significant part of our day-to-day operations, functioning as a true extension of our team. Their expertise across multiple services allows us to scale efficiently while maintaining the quality and accuracy. They are more than a vendor, they are a true partner in our success.

Steve Abreu

Founder & CEO, Newfi Lending

IncomeGenius gives our underwriters a decisive edge, streamlining the process with precise, fast calculations—often the difference in a customer’s loan qualification and approval. IncomeGenius also flags errors in real-time, enabling swift corrections and proactive coaching —elevating our underwriting process with the perfect blend of technology and human expertise. This combination of efficiency, accuracy, and staff development is a great way to enhance both client experience and operational excellence.

Joseph Thompson

Underwriting Manager, Primis Mortgage

Since the Credit Union implemented AuditGenius, the mortgage operations team has experienced a markedly improved audit process. The audit team is now delivering reports with highly insightful findings that reveal potential issues within our processes. This allows us to thoroughly analyze these issues and make necessary adjustments to our workflows to ensure compliance with all guidelines. Both the mortgage and audit teams have seen significant efficiency gains due to the streamlined approach in generating and responding to audit reports.

Andrew Kotaska

Director, Lending Operations at Credit Union of Colorado

BotGenius eliminated many of the mundane, manual, and repetitive tasks, giving our Associates time to do what they do best. It also enabled greater consistency around how and when tasks are performed, creating efficiencies over and above the immediate labor cost savings we realized on each Bot. And, as an added bonus: implementation was simple and guided by a project manager.

Larry Karp

MBA Director, IS Mortgage KHovnanian American Mortgage, LLC

In less than 6 months after implementing BotGenius, Arc Home automated over 100,000 minutes of manual, repetitive, and time-consuming tasks, releasing that capacity for our team members to perform judgment-oriented work and helping our brokers and borrowers close loans faster.

Richard Bradfield

Chief Executive Officer at Arc Home

Powerful Technology. Total Transparency.
Built for the Way You Work.

DecisionGenius brings together advanced AI, complete decision transparency, and an intuitive underwriting workbench, delivering the productivity and efficiency gains your team needs, with technology they can use, trust, and defend every step of the way.

See Everything. Miss Nothing.
Decide with Confidence.

Displays the status of every loan file across credit, income, and assets
Shows which components have been evaluated, cleared, or referred for underwriter review 
Surfaces outstanding conditions in a clear, organized list so underwriters know exactly where to focus
Automatically flags and documents conditions satisfied without manual intervention
Performs a technical appraisal review and refers collateral findings to your underwriter, fully organized and ready for final assessment

Reduce Decisioning Complexity.
Accelerate Turnaround Times.

Automatically extracts, validates, and cross-references borrower data and documents
Delivers a complete, organized loan file, reducing prep time for processors and review time for underwriters
Generates a clear conditions list processors can work from independently, without burdening underwriters
Triggers automatically from your existing LOS milestones: no manual ordering, no disruption
Writes conditions, income worksheets, and results directly back to your LOS
Runs continuously throughout the loan lifecycle, clearing conditions and keeping files moving

Fully Visible, Completely
Defensible Decisions.

Traces every condition back to its guideline, data, and source document
Tracks every change throughout the life of the loan file, creating a complete and transparent decision history
Flags discrepancies across borrower documents, third-party data, and AUS findings
Builds underwriter confidence over time; the more the system is used, the more the team trusts it
Provides a full digital audit trail, making every recommendation visible, traceable, and defensible
Every DecisionGenius recommendation is backed by the Indecomm Promise, so your team focuses on decisions, not second guessing them

The Tech Driving DecisionGenius

SourceConnect, the Business Rules Engine, and IDX form a unified intelligence platform, each product in the Genius Suite draws from all three simultaneously.

Genius AI Suite

Powering
Better Loan
Decisions

The DecisionGenius Difference

Quality loan findings

Supports any mortgage process or function that relies on heavy document processing.

One automated intelligence system

Combines AI, machine learning, intelligent automation, and business rules to accelerate accurate document-to-data extraction.

Clear conditions for underwriting

Eliminates manual document interventions for cost reduction and productivity gains

Improve borrower satisfaction

Offers fully automated indexing with a bi-directional LOS integration, eliminating the manual upload/download docs.

Data-driven decisions

AI-powered analysis delivers data-driven recommendations every time

Increase application conversions

Streamlining and accelerating decision making speeds responses back to the borrower, reducing abandonment rates.

Power productivity

Cuts manual verification and validation effort in half and signficant improves processor and underwriter productivity

Delivers transparent results

DecisionGenius’ glass box approach delivers data-backed decisions that your underwriters can see, whenever context is required.

Request a Demo of Our AI-Powered Automated Mortgage Underwriting Solution

See DecisionGenius in action.

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Frequently Asked
Questions

What integrations are supported?

We have out of the box integrations with industry leading Loan Origination Systems such as Encompass and Meridian Link Mortgage. Our integration middleware can also connect to other LOSs or imaging systems; we are happy to discuss your integration needs.

Can DecisionGenius update my loan origination system or point of sale system directly?

Yes! DecisionGenius will write conditions back to your loan origination system so your existing workflow, such as point of sale systems and commitment letters, will work just as they do today.

What types of income does DecisionGenius support?

We support both wage earner and self employed borrowers.

How can my teams trust the output of DecisionGenius?

Our GlassBox technology shows what documents were used to populate outstanding conditions. Additionally, DecisionGenius is backed by the Indecomm Promise. We have a high degree of confidence in our output and want you to have the same confidence.

Can DecisionGenius provide an income calculation worksheet?

Yes, DecisionGenius can generate both wage earner and self employed borrower worksheets.

What products are supported by DecisionGenius?

DecisionGenius supports Conventional and FHA products out of the box. Our rules engine is extremely flexible and can also support other products, such as portfolio loans and HELOC, with configuration.