DecisionGenius™
AI-Powered Mortgage Underwriting
Indecomm’s DecisionGenius™ is a automated and AI-driven mortgage underwriting system that empowers faster, more informed mortgage credit analyses with automated, risk-based loan underwriting technology
Make intelligent loan decisions, faster
DecisionGenius, a mortgage underwriting automation and AI solution, delivers automated, risk-based decisions across the four pillars of mortgage underwriting: credit, assets, income, and collateral. Instead of spending hours sorting through mortgage data and documentation, DecisionGenius leverages automation and AI to quickly compile and analyze all available information in one centralized location. As a result, your processors and underwriters gain a complete view of risk, enabling faster, more informed loan and credit decisions. DecisionGenius is an AI and automated mortgage underwriting system that produces the following benefits:
- Improves loan officer productivity
- Helps mortgage processors and underwriters analyze more loans, faster
- Generates consistent, data-driven mortgage underwriting recommendations
- Reduces time spent on data verifications and validations
The genius behind better decisions
DecisionGenius takes the hassle out of complex loan and mortgage credit decisions, covering conventional and FHA, significantly increasing productivity and reducing mortgage underwriting turnaround times. Instead of manually organizing and analyzing hundreds of data points and documents, let DecisionGenius do the heavy lifting. DecisionGenius is not just any automated underwriting system (AUS), it tackles complex decisions, and:
- Incorporates FHA/ HUD underwriting rules, investor guidelines, LOS borrower data and documents, third-party data, and lender underwriting rules
- Automates FHA eligibility verification by extracting data from documents with 98-99% accuracy, verifying data, and capturing discrepancies that could delay the underwriting process
- Alerts your mortgage agent of gaps and discrepancies in data and docs
- Provides you with a preliminary, comprehensive loan file analysis
- Shares accurate income verification with borrowers, underwriters, or auditors
- Streamlines underwriting workflow, including FHA workflow, by automating routine tasks, freeing underwriters to concentrate on high-value responsibilities like collateral review
Calculate ROI with DecisionGenius Smart Calculator
If you are wondering how much ROI you can get from the DecisionGenius AI and automated mortgage underwriting system, we can give you an idea!
The DecisionGenius difference
If your current mortgage underwriting platform isn’t offering these benefits, we have one that will.
Quality loan findings
DecisionGenius provides the missing link between borrower-provided documents, third-party data and what is required by DU findings
One automated intelligence system
DecisionGenius combines income, credit, assets, and collateral for cohesive, comprehensive decision-making
Clear conditions for underwriting
Non-Underwriting staff can work from a clear conditions list without burdening mortgage underwriting resources
Improve borrower response times
Automated underwriting reduces the time spent verifying documents and data, accelerating the delivery of decisions back to the borrower
DecisionGenius by the numbers
improvement in underwriter productivity
0
%
reduction of number of underwriter touches
0
%
improvement in processor productivity
0
%
FAQs
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.