Home / Underwriting Assist & Condition Clearing
5 toolsAI that pre-underwrites the file, reads the guidelines, calculates income, flags conditions and clears them before a human underwriter sees the loan.
Nobody in this category posts a price: Candor Loan Engineering System, SOLO by Tidalwave, Prudent AI Upfront Suite, Gateless Smart Underwrite and Indecomm DecisionGenius are all quote-based, with Tidalwave describing volume-based pricing. SOLO by Tidalwave and Prudent AI reach broker shops directly, Prudent AI through a self-serve broker portal and Tidalwave with NEXA Mortgage as a named customer; Candor, Gateless and Indecomm sell to lenders, credit unions and MI companies.
The AI does the first underwriting pass before a person sees the file: it classifies and stacks documents, calculates qualifying income from pay stubs, tax forms and bank statements, checks eligibility against GSE and investor rules, writes conditions into the file and clears the ones that pass, with Candor Assistant and Indecomm's Glass Box showing which guideline and document each condition came from. Zero of five tools post a price and five are quote-based, and every figure was read on the vendor's own site on October 31, 2026. Three vendors post a security standard: SOLO by Tidalwave (SOC 2 Type II, encrypted borrower data), Prudent AI (SOC 2 Type 2, ISO 27001:2022, AES-256) and Gateless (SOC 2 badge); Candor and Indecomm post none, and no vendor here posts a TCPA statement. Encompass is named by Candor, SOLO by Tidalwave and Indecomm, with MeridianLink by Candor and Indecomm, Byte by Candor and Calyx Path by Tidalwave; none names Arive, Total Expert, BNTouch, Jungo or Follow Up Boss.
Featured spot open. Put your tool at the top of this category for $149/month.
Feature your toolAutomated underwriting engine that renders decisions, manages conditions in one loan-file view and syncs them to the LOS, with a per-loan defect warranty.
AI: CogniTech patented automated underwriting engine; Candor Assistant (explains conditions and calculations); CandorDI document intelligence; IncomeClarity
AI and rules engine that underwrites data and documents as they arrive, clears conditions that meet GSE and investor standards and routes exceptions to people.
AI: Smart Underwrite (AI plus expert rules, real-time initial approval, automatic condition clearing, smart tasking); VeriClear income document validation
AI-driven automated underwriting system for FHA and conventional loans that analyzes credit, income, assets and collateral, and writes and clears conditions.
AI: Glass Box decisioning (traces each condition to guideline and source document); automatic condition clearing; IDX Intelligent Data Extractor; IncomeGenius
Reads the loan file at intake, calculates qualifying income for all income types including bank statements, checks investor eligibility and requests documents.
AI: Upfront Income (AI income calculation traced to source document lines); Upfront Index (document classification and stacking); Upfront AUS (investor matrices)
AI-native mortgage point of sale that reviews documents, analyzes bank statements, calculates income and runs dual AUS before the file reaches an underwriter.
AI: SOLO AI loan assistant; AI Assist file checks; Loan memory; bank statement analysis and income from paystubs; data extraction from emails, documents and calls
| Tools that post a price | 0 of 5; 5 by quote |
|---|---|
| Named on the vendors' own sites | Independent loan officers 2; Mortgage broker shops 2; Retail lender branches 5; Mortgage teams 3; Non-QM and private lenders 1 |
| TCPA-consent or borrower-data statement | Gateless Smart Underwrite (SOC 2 badge (type not stated)); Prudent AI Upfront Suite (SOC 2 Type 2; ISO 27001:2022; AES-256 at rest, TLS 1.2 in transit); SOLO by Tidalwave (SOC 2 Type II; encryption of stored borrower data; trust center) |
| Integrations named | Candor Loan Engineering System (Encompass, MeridianLink, Byte); Gateless Smart Underwrite (The Work Number, Informative Research); Indecomm DecisionGenius (Encompass, MeridianLink Mortgage, SourceConnect); Prudent AI Upfront Suite (Fannie Mae Income Calculator); SOLO by Tidalwave (Encompass, Calyx Path, Fannie Mae DU, Freddie Mac LPA, Plaid, Argyle) |
| Last checked | Oct 31, 2026, on each vendor's own site |