CAPSILON INSTANT UNDERWRITER

Underwrite mortgage loans in minutes

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Meet the autonomous underwriting solution transforming mortgage lending 

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Don’t let underwriting be a drag on your customer experience or profitability

Over the last decade, mortgage underwriting productivity has plummeted 800% while the cost to manufacture a mortgage loan has skyrocketed over 200%.

Companies are saddled with costly, inefficient and error-prone underwriting processes that are dragging down profits and creating a slow, frustrating customer experience.

Mortgage originators need a faster, more efficient underwriting process that automates manual work and makes it easier to make informed lending decisions.

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We transform your mortgage underwriting in 90 days

Capsilon Instant Underwriter is the mortgage industry’s first autonomous underwriting solution. The cloud-based solution leverages artificial intelligence and process automation to underwrite mortgage loans in minutes at a lower cost, with greater consistency and less risk.

  • Autonomous: 'Touchless' solution for standard loan scenarios
  • Semi-Autonomous: 'Low-touch' for scenarios that require human review

Automates the collection of loan data and evidence

Performs calculations and analysis in minutes

Checks eligibility based on guidelines, overlays and business rules

Boost your customer experience and your profitability

Accelerate speed

Decrease production costs

Underwrite error-free loans

8

times faster

85%

cost reduction

<1%

errors

Boost your customer experience and your profitability

Accelerate speed

8

times faster

Decrease production costs

85%

cost reduction

Underwrite error-free loans

<1%

errors

"Capsilon Instant 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 of Home Point Financial

How it works

Goodbye, manual work

Finally, data we can trust

So long, spreadsheets

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Captures required loan data and evidence from every source

2.

Normalizes data and assembles a trusted data set

3.

Automatically performs underwriting calculations and analysis

Farewell, checkers
checking checkers

Hello, touchless underwriting

4.

Checks that loan conforms to loan guidelines, overlays, and the lender's proprietary rules

5.

Green-lights the loan if all requirements have been met or flags the loan with exceptions to be reviewed

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How it works

Goodbye, manual work

1.

Captures required loan data and evidence from every source

Finally, data we can trust

2.

Normalizes data and assembles a trusted data set

So long, spreadsheets

3.

Automatically performs underwriting calculations and analysis

Farewell, checkers checking checkers

4.

Checks that loan conforms to loan guidelines, overlays, and the lender's proprietary rules

Hello, touchless underwriting

5.

Green-lights the loan if all requirements have been met or flags the loan with exceptions to be reviewed

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Turbocharge your underwriting in one quarter

Deploys in 90 days

Sits alongside existing infrastructure

Integrates with the LOS & other systems

Cloud-based solution scales to any capacity

Ready to 8X+ your underwriting productivity?

Find out how Capsilon can transform your underwriting capabilities and boost your profitability

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Schedule a personalized demo

See our video demonstration at Finovate

What are you waiting for?

No other solution does this

Uses a trusted data set to drive automation

Assesses many loan types autonomously

Eliminates boring grunt work - your underwriters will love you

More than 160 of the mortgage industry's most innovative companies trust Capsilon to transform the way they work