our Underwriting Machine enables

2020 Volume Levels with 2019 Staff Levels

Underwrites since August 2020:


a Machine as an Underwriter.

If robots could think and make decisions, you could have managed 2020 volume with 2019 staff levels.

Underwriting presents unpredictable problems that only Expert System Technology can handle.

Our CogniTech™ Knowledge Engineering Technology tackles underwriting challenges by automating the thinking of underwriting experts.

Candor is equipped with more than 3,240,000 collective hours of mortgage manufacturing expertise, and the only Expert System Technology in the industry.

The test: 5 months, 3 clients, 125,000+ units.

The results: 18.7 day cycle time reduction. 27.2% pull through lift.

Our patent-pending CogniTech models how underwriters think.

Dynamic & Adaptive Underwriting

CogniTech™ Knowledge Engineering Technology makes Candor dynamically adaptive.

Candor conducts thousands of data cross checks to validate and corroborate 1003, third party & OCR data.

This ensures underwriting accuracy and integrity.

Along the way, Candor issues & clears dynamic conditions, and makes a decision to lend.

Underwriting quality is backed by a defect policy.

Candor is accessed in the LOS, and underwrites with one click.

Seamless workflow integration. Extensive system training is not required.