[001] The Only Patented Decision Engine

AI-PoweredUnderwriting,engineered.

~/candor $ ai-powered▌

Better data. Smarter decisions. Superior outcomes.

Transform your lending operations with technology that thinks like an underwriter — at the speed of software.

Book a Demo

▶ Watch the Engine

T-01 //0%Faster Cycle Time

T-02 //0%Consistency Rate

T-03 //0Days Saved

T-04 //0%Cost Reduction

◢ Trusted by 500+ leading institutions ◣

[002] Platform

The CANDOR Core Six.

◢ 06 modules // 1 engine

Six purpose-built modules. One cognitive engine. Together they automate every decision, document, and data point in your mortgage pipeline — faster, cheaper, and 100% consistent.

01

Candor PreQual

The first and only patented technology-driven borrower pre-qualification service, providing sales and processors near-instantaneous borrower insight so you can set expectations with confidence from the very first touch.

Read Spec

02

Loan Engineering System

Powered by CogniTech, the only patented automated underwriting engine that adapts, evolves and becomes faster and cheaper over time. The LES thinks like an underwriter — and never has an off day.

Read Spec

03

CandorPLUS™

Right-size for the last time. Patented technology-driven mortgage loan fulfillment that spans the entire loan lifecycle from disclosures to close — flexing with your volume instead of forcing you to hire and fire.

Read Spec

04

Loan Quality Services

Revolutionizing outdated processes with technology that saves time and money while producing high-quality loan files at scale — with repurchase-defense data captured automatically along the way.

Read Spec

05

CandorDINew

From upload to insight in seconds. CandorDI ingests any mortgage document, classifies it automatically, extracts structured data with precision, and validates it against your loan file — eliminating manual stare-and-compare and delivering clean, audit-ready data at every stage of origination. Expose the full pipeline via API and embed document intelligence anywhere in your stack.

IndexingClassificationExtractionValidationAPI access1003 Cleanup

Includes the URLA Updater — reads your docs, reconciles discrepancies against the application, and auto-corrects 1003 fields in your LOS.Read Spec

06

Candor IncomeClarity™New

Income is the hardest calculation in mortgage — and the most consequential. Candor IncomeClarity delivers deterministic, GSE-compliant income analysis for W-2, self-employed, gig, and mixed-income borrowers as a standalone module. Plug it directly into your POS, LOS, or CRM via API and get a defensible, auditable income figure before the file ever reaches an underwriter.

W-2 incomeSelf-employedGig / mixedGSE-compliantStandalone APIPOS / CRM embed

Read Spec

[003] Decision Engine

What is CANDOR?

The industry’s first and only patented AI-powered underwriting engine. CANDOR automates the complex decision-making that previously required human underwriters — without the inconsistency of humans.

1234500+ Lendersalready shipping with Candor

/01

Multi-Loan Type Decisioning

Full automated decisioning on Conventional, FHA, and VA IRRRL loans with a single platform that supports every loan type you originate — including those where you manage the process without full AUS decisioning.

/02

Document Intelligence

Upload, index, and classify loan documents automatically. The engine flags data-validation exceptions in real time, so processors catch discrepancies before they reach the underwriter’s desk.

/03

Integrated Income Analysis

Calculate income natively in-platform or stand-alone — no spreadsheets, no re-keying. Supports W-2, self-employed, gig/variable, rental, retirement/SSN/pension, non-employment, and mixed-income borrowers with GSE-compliant methodology. Freddie & Fannie calculator integration for rep/warrant.

/04

Full Condition Lifecycle Management

Link documents directly to conditions, add comments, and take action — fulfill, clear, waive, edit, or suppress — all within one interface. Conditions are managed proactively, not reactively.

/05

100% Consistency

Every loan scored against the same logic, every time. No underwriter variability, no interpretation drift, no surprises at QC. Same inputs always produce the same output.

/06

Repurchase Defense

Backed by a Lloyd’s of London rep-and-warrant defect policy (data, conditions, income). Every decision is logged, auditable, and defensible — 600K+ funded loans, zero repurchases, 100% claim defense record.

[004] Workflow

File to decision in seconds.

01

Step.01

Data Ingestion

Application, credit & all supporting docs uploaded and indexed automatically.

02

Step.02

Data Validation & Correction

Engine cross-references data, flags discrepancies for processor review before decisioning.

03

Step.03

Candor Engine

Cognitive analysis across guidelines, conditions & income — a fully supported decision.

04

Step.04

Clear to Close

Validated, condition-cleared file returned to your LOS, audit-ready.

✓ Auditable decision record✓ Repurchase-defense documentation✓ Condition-cleared loan file

[005] Economics

Engineered for measurable impact.

Candor is not just cost reduction — it’s the flexibility to remake your business model for the 21st century. Transform operations and see results from day one.

◢ verified across 500+ lenders

▢ Lender Economics

10 Days

Cycle Time Reduction

Lock fee savings at 1bps/day.

>15%

Pull-Through Improvement

Gain-on-sale impact.

3–5×

Underwriter Productivity

Labor savings, verified lenders.

12bps

Repurchase Exposure Cut

Reduced QA time and loan defects.

▢ Borrower & LO Experience

<1 Min

Automated Pre-Approval

Instant borrower confidence.

<15 Min

Credit Approval

Without underwriter touch.

Additional Proof Points

✓ Reduced QA time and loan defects ✓ Higher borrower NPS ✓ Near real-time borrower decisions ✓ Increased borrower confidence ✓ Reduction in walkaways ✓ Standardized process across all loan types

[006] Roadmap

What’s coming next.

Enhanced UX, expanded loan coverage, deeper document intelligence, and richer data integrations across 2026.

User Experience

Income Clarity, EPC, advanced condition management

Logic Enhancements

AUS codes, name matching, recurring debts, collateral

Loan Type Coverage

VA IRRRL, FHA Streamline, Jumbo, Portfolio, Non-QM

Data Integrations

Freddie & Fannie Income, VOX, tax transcripts, credit

Doc Intelligence

URLA-updater, unstructured docs, tampering detection

Channel Partners

APIs for POS, CRM, and lending platform integration

◢ release

Q1 2026

◣

User Experience

EPC with new UI/UX, condition management, Standalone Income Clarity

Logic

AUS codes, Docs Processed Codes, Name-matching improvements

Loan Types

VA IRRRL

Doc Intel

Self-service data correction, URLA updater

Integrations

Freddie Income Integration, VOX providers

[007] Field Notes

Trusted by industry leaders.

◢ 01/5

“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 ParkhurstChief Operating Officer // Get A Rate Mortgage

◢ 02/5

“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 DudaVice President // DSA / USA Mortgage

◢ 03/5

“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 RulleChief Operating Officer // FBC Mortgage

◢ 04/5

“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 used in the lending decision, levels up our demonstrated quality.”

Vinay MiglaniSVP Capital Markets // FBC Mortgage

◢ 05/5