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LoanPASS
Product, pricing and decisioning engine for lenders, including non-agency and business-purpose markets, with an AI borrower-facing lending chatbot.
| What the AI does | LoanPASS.AI: AI lending chatbot that gathers borrower answers and returns deterministic pricing and eligibility from the lender's rules, in ChatGPT guardrails. |
|---|---|
| Who it serves | Retail lender branches, Non-QM and private lenders |
| Starting price | Quote-based |
| Pricing model | Quote-based |
| Free trial | Not stated on the vendor site |
| Best fit | Lender branch |
| Category | Pre-Approval, Pricing & Scenario Tools |
| Works with | Encompass, MeridianLink, Vesta, Lodasoft, MortgageFlex, BankingBridge, Uplist |
| Compliance | Posted on the vendor's site: SOC 2 Type 2; Trust Center. |
| Checked | 2026-10-31, against the vendor's own page |
Good to know
LoanPASS is a rules-based product, pricing and decisioning engine sold to banks, credit unions, independent mortgage bankers and commercial, business-purpose and private money lenders, with LoanPASS.AI added as an AI lending chatbot that gathers borrower answers and returns deterministic pricing and eligibility from the lender's rules, with a ChatGPT layer inside guardrails. Pricing is by quote; connectivity to the rules engine and its APIs is posted as free to clients and partners.
The site posts a SOC 2 Type 2 report (July 2025) and a Trust Center. Encompass, MeridianLink, Vesta, Lodasoft, MortgageFlex, BankingBridge and the Fannie Mae and Freddie Mac pricing APIs are named integrations.
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