[P] Products
The CANDOR Core Six.
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] Platform
◢ 06 modules // 1 engine
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 Spec02
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 Spec03
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 Spec04
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Revolutionizing outdated processes with technology that saves time and money while producing high-quality loan files at scale — with repurchase-defense data captured automatically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 Spec05
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.
Read Spec06
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.
Read Spec◢ Inside CandorDI // Sub-product
The Candor URLA Updater
Stop re-keying data you already have. The Candor URLA Updater reads your loan documents, reconciles discrepancies against the application, and auto-populates or corrects 1003 fields in your LOS — reducing touch time, eliminating transcription errors, and cutting stare-and-compare from your processor workflow.
[02] Capabilities
Inside the engine.
Decisions, Not Recommendations
Candor renders actual underwriting decisions — not flags, suggestions, or exception queues handed back to a human. The engine commits to an answer, every time.
Patented Deterministic Logic
Powered by Candor’s patented and 3M-underwrite-proven decision engine. Same inputs always produce the same output — fully auditable, explainable, and defensible to GSEs and investors.
100,000+ Underwriting Pivot Points
The engine navigates a vast, dynamic matrix of guidelines, data interactions, and borrower variables — replicating the critical thinking of an expert underwriter at scale.
Income Analysis Across Every Borrower Type
W-2, self-employed, gig, rental, retirement, asset depletion, and more — including full tax-return analysis, multi-source stacking, trending, and continuance. Plus Freddie/Fannie calculator integration for rep/warrant relief.
Integrated Document Intelligence
CandorDI reads, indexes, extracts, validates, and reconciles borrower documents against loan data — paystubs, W-2s, tax returns, bank statements, SSA award letters, and more.
GSE-Compliant by Design
Built to satisfy Fannie Mae LL-2026-04 and Freddie Mac Bulletin 1302.8 — deterministic, explainable, auditable AI in every credit decision. No LLM-based tool can make the same claim.
Repurchase Defense Built In
Every decision is backed by a permanent data record and a Lloyd’s of London rep-and-warrant defect policy covering data extraction, condition creation and clearing, and income calculations — $25K/loan coverage, zero repurchases across 600K+ funded loans.
Real-Time Condition Creation & Clearance
Candor doesn’t wait for the underwriter — it creates and clears conditions upstream, so the file arrives decision-ready, not decision-pending.
LOS-Native Integration
Operates inside your existing workflow via Encompass EPC, MeridianLink, Byte, and open API — no parallel systems, no re-keying, no change-management burden.
Consistent, Bias-Free Decisioning
Every loan scored the same way, every time. Candor eliminates the variability of human judgment while maintaining the highest standards of credit quality.
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