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Solutions | Underwriting

Tech-enabled Mortgage Underwriting

Achieve thorough, compliant, and efficient mortgage underwriting services with a fully-staffed contract mortgage underwriting team, enabled by Indecomm’s Genius technology.
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Expert mortgage underwriting services

Whether you need to add to your mortgage underwriting team or need to address volume and timeline pressures, Indecomm offers you mortgage underwriting services and credit risk management solutions built on decades of experience and proven processes. Our mortgage underwriting outsourcing help you quickly ramp up and down, giving you the people, processes, and pricing needed to address volume fluctuations, control costs, and improve the customer experience.

Exceptional talent for exceptional results

Our team of seasoned mortgage underwriters provide you with thorough but rapid analyses of income, credit, assets, and collateral, reducing cycle times at every step. We work as an extension of your team, inputting results directly into your LOS. Are you ready for automation-enabled mortgage underwriting solutions?

Comprehensive support

  • Support mortgage underwriting in the states where we have NMLS licensure
  • Mortgage underwriting services and technology integrate with your LOS
  • Mortgage underwriting on conventional, jumbo, and non-QM loans
  • Deliver meticulous mortgage underwriting analyses of credit, capacity, collateral, and compliance
  • At your request, our contract mortgage underwriting teams can further accelerate results using IncomeGenius and DecisionGenius automation.

Mortgage underwriting expertise for competitive advantage

Our contract mortgage underwriters have a meticulous eye for detail, offering you a thoroughly researched mortgage underwriting and credit underwriting decisions on your loan files.

Reduce underwriting cycle times

Expert mortgage underwriting solutions and contract mortgage underwriting teams increases productivity and expedites timelines, while maintaining accuracy

Leverage mortgage risk assessment tools and experts

We deploy subject matter experts and proven technology to provide in-depth mortgage underwriting analyses, increasing mortgage underwriting quality

Get flexible pricing

We offer a flexible variable pricing model to improve cost predictability and minimize over-hiring risk

Automate mortgage underwriting

When selected, lenders can opt to use IncomeGenius or DecisionGenius which quickly simplifies complex analyses

Complete contract mortgage underwriting services

We augment your mortgage underwriting within record turnaround times and cover all key mortgage underwriting components including borrower creditworthiness, capacity, collateral, and capital.

Mortgage underwriting

  • Review the application and mortgage loan amount including taxes, insurance, HOA fees, and other collateral costs
  • Analyze the borrower’s employment history
  • Calculate the borrower’s monthly income and assets, with the option to supercharge income analyses with IncomeGenius
  • Identify loans and payments that are secured by properties owned by the borrower(s)
  • Analyze the borrower’s credit history for monthly obligations for accurate DTI, public records, and red flags
  • Review property history and servicing pay histories
  • Account for monthly payments such as vehicles, credit cards, personal loans, and student loans along with any child support / alimony payments
  • Review all data validations and verifications populated from the AUS results
  • Evaluate the borrower’s assets in savings and cash reserves
  • Determine if the borrower has investments such as stocks, money market funds, IRAs, CDs, retirement accounts
  • Determine other sources of capital such as loan down payment programs, matching fund programs, and side businesses
  • Identify any assets or property owned that may be used as collateral
  • Review fraud tools
  • Analyze title commitments prior to closing for proper vesting, liens, and clouds in the title

Tech-enablers

DecisionGenius

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

Mortgage Insurance Underwriting

  • Provides both delegated and non-delegated reviews
  • Includes all key mortgage underwriting requirements outlined in the mortgage underwriting tab (credit, capacity, capital, collateral reviews)
  • Reviews AUS conforming, high balance/super-conforming, jumbo, and other non-AUS conforming loans
  • Assesses mortgage insurance application and certificate reviewed along with closing documents (if delegated)
  • Re-underwrites loan to determine if the loan meets underwriting eligibility guidelines and mortgage insurance guidelines, ensuring the loan is in scope for mortgage insurance coverage

Tech-enablers

DecisionGenius

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

Collateral Evaluation

  • Review appraisal to ensure investor guidelines are met
  • Determine the market value of the property via the appraisal
  • Review property condition and impact to the value
  • Leverage comparable property values, collateral underwriter scores, automated valuations (AVM), broker price opinions (BPO), and available market data
  • Request recertification of value to extend appraisal expiration dates
  • Request and review 1004D/final inspection to ensure “subject to” property inspection items have been completed in a workmanlike fashion
  • Proactive resolution for appraisal issues
  • Customized checklists
  • Scorecards and quality analysis

Tech-enablers

AuditGenius®

Simplify mortgage portfolio risk management, streamline mortgage QC and compliance, and lower origination costs with intelligent audit technology and SaaS

Condo Reviews

  • Determine if a limited or full review of the condo project is required for warranty
  • Covers established, new, newly converted, 2-4 unit, detached (site condo) projects
  • Evaluate Loan-to-Value (LTV), occupancy, and location
  • Assess condo documentation as applicable based upon warranty requirements, including, but not limited to current project HOA questionnaire; master insurance policy; HO6 policy; flood insurance; condo property unit appraisal on FNMA 1073; FHLMC 465 forms; master declaration; master deed; CCRs; bi-laws; articles of incorporation; legal docs for new projects; budget; HOA certification

Tech-enablers

AuditGenius®

Simplify mortgage portfolio risk management, streamline mortgage QC and compliance, and lower origination costs with intelligent audit technology and SaaS

Related Case Studies

Case Study

IncomeGenius Improves Underwriting Efficiency for Primis Mortgage: Automates 90% of Income Calculations

By significantly reducing the time and effort required for ordering and reviewing fraud, the client achieved notable improvements in operational efficiency and customer experience. With BotGenius, the client is better equipped to handle unique mortgage products and serve its clients in a competitive market landscape.
Read More
Case Study

Automating the Initial Underwrite with IDX & DecisionGenius

The customer saw an opportunity to improve their underwriting workflow by using Indecomm's DecisionGenius solution. This is an automated solution for loan decisioning and underwriting that seamlessly integrates with the customer's LOS.
Read More

Related Resources

article: The shifting digital tides of mortgage underwriting part 1
The Shifting Digital Tides of Mortgage Underwriting- Part 1
From loan decisioning tools to breakthroughs in machine learning, RPA, and intelligent automation, the tides of digital mortgage underwriting are shifting. Here's why.
Read More
article 2- shifting tides of digital mortgage underwriting
The Shifting Digital Tides of Mortgage Underwriting- Part 2
Shifts in underwriting toward technology and automation are attributed to changing customer demand, mortgage operational burden, and market cycles.
Read More

Related Resources

article: The shifting digital tides of mortgage underwriting part 1
The Shifting Digital Tides of Mortgage Underwriting- Part 1
From loan decisioning tools to breakthroughs in machine learning, RPA, and intelligent automation, the tides of digital mortgage underwriting are shifting. Here's why.
Read More
article 2- shifting tides of digital mortgage underwriting
The Shifting Digital Tides of Mortgage Underwriting- Part 2
Shifts in underwriting toward technology and automation are attributed to changing customer demand, mortgage operational burden, and market cycles.
Read More

See what Indecomm can do for your business.

Schedule a conversation with an expert to discuss tailoring a solution for your business or for a demo of one of our Genius suite of products.
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