AI-Powered Underwriting Built for Today's Modern Mortgage Industry

Better Data. Smarter Decisions. Superior Outcomes.

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The Only Patented decision engine in the industRy

What Is CANDOR Technology?

CANDOR emulates how an Underwriter thinks.

CANDOR analyzes loan data and borrower docs against investor guidelines.

CANDOR creates and clears conditions BEFORE the Underwriter touches the file.

CANDOR identifies exceptions for the Underwriter to address and surfaces them as conditions in the LOS.

CANDOR scores loans consistently 100% of the time, ensuring loans with similar circumstances are solved the correct way, helping eliminate bias.

CANDOR captures data that supports repurchase defense.

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Cost reducer+

Economic Impact

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Candor is not just a cost reduction for originators, it gives the flexibility to remake the business model for the 21st century.


"Candor is our secret to success in this market cycle. We've cut our cycle time in half, and I don't have to worry about the integrity of the underwrite so we're not sacrificing quality for speed."

Kenny Parkhurst

Chief Operating Officer

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our CORE

The CANDOR Core 4

01

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Candor PreQual

Candor PreQual is the first and only patented technology-driven borrower pre-qualification service providing sales and processors near instantaneous borrower insight and...

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02

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Candor Loan Engineering System (LES)

In order to survive, lenders must adapt, evolve and become faster and cheaper.  Candor's Loan Engineering System (LES) is powered by CogniTech, the only patented automated underwriting engine...

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03

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CandorPLUSTM

Right size for the last time. CandorPLUS is the first and only patented technology-driven mortgage loan fulfillment that spans the entire loan lifecycle from disclosures to...

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04

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Loan Quality Services (LQS)

Candor Loan Quality Services (LQS) is revolutionizing our industry's outdated processes to provide lenders with technology that saves time and money while also producing high quality loan files...

Learn More

our CORE

The CANDOR Core 4

01

A black and white icon of a brain in a square surrounded by circuit boards.

Candor PreQual

Candor PreQual is the first and only patented technology-driven borrower pre-qualification service providing sales and processors near instantaneous borrower insight and...

Learn More

02

A black and white icon of a radio with gears on it.

Candor Loan Engineering System (LES)

In order to survive, lenders must adapt, evolve and become faster and cheaper.  Candor's Loan Engineering System (LES) is powered by CogniTech, the only patented automated underwriting engine...

Learn More

03

A black and white icon of a cross on a white background.

CandorPLUSTM

Right size for the last time. CandorPLUS is the first and only patented technology-driven mortgage loan fulfillment that spans the entire loan lifecycle from disclosures to...

Learn More

04

A black and white icon of a brain on a computer chip.

Loan Quality Services (LQS)

Candor Loan Quality Services (LQS) is revolutionizing our industry's outdated processes to provide lenders with technology that saves time and money while also producing high quality loan files...

Learn More

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Featured Testimonial

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Our loans that are run through Candor are higher quality with reduced errors, which has resulted in the loans being purchased faster by the investors thus saving us money on the back end.

Laurie Duda

Vice President

DSA/USA

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More User Testimonials

See what our clients have to say about how Candor has transformed their mortgage processes with AI technology.

With Candor, we shave up to 14 days from our cycle time. At 1bps a day, that's significant added profit. Our underwriters can touch 10-12 files every day. I anticipate that number to grow.

Travis Rulle, Chief Operating Officer, FBC Mortgage

The MetaScore™ provides insight into loan and data quality which gives our investors a higher level of certainty. That loan quality diagnostic, combined with the permanent database for access to all the data and information used in the lending decision levels up our demonstrated quality.

Vinay Miglani, SVP Capital Markets, FBC Mortgage

The LES actually found something I had missed. It's so much more than basic calculations. They have replicated the abilities of an underwriter.

Shane Osborne, Director of Corporate Efficiency & Underwriting, Hallmark Mortgage

Featured Resources

Check Out Our Latest Resources

How Does Candor work in 60 seconds.

By Sarah Nakae • January 6, 2025

Chrisman Commentary: Candor's Mark Hinshaw's outlook on AI

July 9, 2024
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Counting the Benefits of Loan Engineering with Candor

By Candor • May 30, 2024
When we talk at Candor about the potential benefits to lenders of employing a machine-based approach to loan underwriting, people often assume that the agenda is to eliminate people. In fact, the people engaged in loan underwriting are often among the most valuable and capable individuals in the enterprise, one reason why they are often redeployed into risk management and distressed servicing roles when volumes fall and defaults rise.
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