Capsilon Digital Underwriter

Capsilon Digital Underwriter

Make rapid, informed loan eligibility decisions with perfected data

Increase underwriting capacity and minimize risk with tools that calculate income, analyze credit, and assess eligibility based on business rules

Mortgage underwriting made smarter

Improve the client experience

Speed up decision making and improve underwriting cycle time

Lower operational costs

Increase underwriting capacity, move to a low or no touch underwriting process

Reduce risk

Standardize the underwriting process and automate due-diligence checks

Eliminate spreadsheets and see everything in one place

  • See evidence and calculations in a single underwriter workspace  
  • Quickly spot flagged or missing information such as late payments or large deposits
  • View borrower info individually or in simple, summary views
  • Get actionable visualizations of critical insights
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Calculate income & analyze credit

  • Assembles complete data needed for decisioning without manual entry
  • Calculates income from data extracted off of loan applications, tax returns, W-2s, pay stubs, etc.
  • Evaluates what-if scenarios, such as removing problem borrowers or income, to optimize results
  • Dynamically generates required verification of data and documents

Perform due diligence checks and validate business rules

  • Identifies required docs and data based on the loan program and borrower types
  • Verifies when required info is received
  • Evaluates compliance and underwriting rules against loan data and documents
  • Proactively applies rules to new or updated loan information
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"Capsilon Digital Underwriter will significantly improve our underwriting productivity and in some cases, we believe loans can be underwritten without any human intervention."

 

Phil Shoemaker, Chief Business Officer, Home Point Financial

“You can’t automate underwriting without trusted data. Capsilon elegantly combines the ability to capture and perfect mortgage data with robust automation capabilities.

 

Bill Shuler, Chief Information Officer of Home Point Financial

See Capsilon Digital Underwriter in Action