The Automated Underwriting System For Modern Lenders

DigiFi's Automated Underwriting System (AUS) is a rules-based decisioning platform that lets you connect to third-party data, build underwriting and verification workflows, run machine learning models and generate real-time decisions via API for consumer, auto, mortgage, small business and other credit products.

Automating Underwriting Starts Here
DigiFi is your digital transformation partner

DigiFi’s AUS lets you run pass/fail requirements, scorecards, predictive models and more to instantly approve eligible applicants. Our platform includes an embedded testing suite, champion/challenger capabilities and an open API for generating decisions from other systems.

Our Automated Underwriting System provides an intuitive way to manage business logic and eliminate hard-coded legacy IT systems. It can be used for credit underwriting, fraud verification and a wide range of other use cases - by any lender, anywhere.

Build Workflows. Connect Systems. Underwrite Instantly.

DigiFi’s Automated Underwriting System includes a powerful no-code user interface for implementing complex decision logic, unparalleled flexibility and an open-API for near-instant decision processing.

Create Processes With Business Rules, Integrations and models
DigiFi’s AUS comes with intuitive user interface for you to build and test decision processes. You control the data structure, decision processes, business rules, predictive models and much more.
We offer a range of data integrations and our platform includes robust change management features.
Run Accurate Underwriting Decisions in Real-Time
Underwriting decisions can be instantly processed through both our AUS’s user interface and API. You can deploy rule changes in just one click, with no downtime or technical expertise required.
Decisions can be run individually or in batches, providing flexibility for a wide range of use cases.
Analyze Decision Results and Optimize AUS Logic
Data and analytics are critical to automated, rules-based decisioning. Unlike legacy AUS’s that make your data hard to access, our system lets you export data for use in external analytical and modeling environments.
We provide built-in reporting and data extraction tools, offering your team both simple and advanced options.

Technology-First Approach To Automated Underwriting

Instant Deployment

DigiFi’s Automated Underwriting Sustem lets you deploy changes in one click, automatically updating the real-time API to provide zero downtime updates that anyone can manage.

Visual Results

The AUS includes decision-level visualizations so that you can understand exactly what happened, plus company-level reporting to get a quick view of the full picture.

Visual Results

The AUS includes decision-level visualizations so that you can understand exactly what happened, plus company-level reporting to get a quick view of the full picture.

Accessible Data

DigiFi’s platform includes built-in data extraction tools, ensuring that you always have access to your own data and can export it for analytics, data storage, modeling or regulatory purposes.

Powerful Integrations

From direct integrations with credit bureaus and data providers to built-in e-sign and bank widgets, we make it easy to work with the best technology vendors across the entire lending stack.

Bulletproof Reliability

We’re proud to run with 99.9%+ uptime and back this up with excellent SLAs and service guarantees. DigiFi is SOC2 certified and manages your data like it’s our own.

Rapid Improvement

DigiFi builds, tests and releases innovative new features every month to ensure that your lending technology is constantly adapting to rapidly changing customer demands.

Developer Friendly

We offer a flexible set of APIs and developer tools so that your team can easily connect other systems, extend platform functionality and integrate DigiFi into your existing environment.

Automated Underwriting System FAQ

What Is An Automated Underwriting System (AUS)?
Automated underwriting systems are software applications designed to receive inputs (typically from a home loan application), gather additional data (typically from a credit report) and return automated underwriting decisions on (1) the availability of financing, (2) the terms and pricing for the loan and (3) any conditions that may apply. Common factors that are considered during the automated underwriting process include self-reported information from the home loan application and credit report data such as credit score, credit history and tradeline details. Some of the most commonly used AUS’s are Desktop Underwriter from Fannie Mae and Loan Prospector from Freddie Mac.
For example, if a loan officer receives a loan application for a home loan, they'll input the relevant information into an automated underwriting system, which will approve eligible borrowers for an underwritten mortgage loan, reject ineligible borrowers for a mortgage loan and, if applicable, request additional information in certain cases.
Does DigiFi's Platform Include Pre-Built Credit Policies?
No, DigiFi's system is different because we strive to make it easy to implement, test and deploy your own underwriting policy, rather than providing existing logic that you must use (in comparison to Fannie Mae and Freddie Mac, which provide logic for their own agency mortgage lending programs).
What Kind Of Loans Can Be Underwritten Through Your AUS?
Nearly every type of lender can benefit from an AUS, but DigiFi's automated underwriting system is most commonly used for personal loans, auto loans, non-qualified mortgage loans (non-QM), HELOCs, credit cards and small business loans and lines of credit. If you're a commercial lender, automation typically starts with our Loan Origination System, and our AUS can be leveraged for smaller-dollar loan applications.
How Customizable Are DigiFi's Data Integrations?
Our AUS offers fully customized integrations to a wide range of data providers. For example, you have the option to define unique variables to be calculated from raw credit report data during automated decisioning.
Can DigiFi Help Me Transition From Manual Underwriting To Automated Underwriting?
Our AUS offers fully customized integrations to a wide range of data providers. For example, you have the option to define unique variables to be calculated from raw credit report data during automated decisioning.
Does DigiFi Make Ongoing Changes For Me, Or Do I Do It Myself?
Both options are available. We can implement and manage your credit underwriting process or you can appoint an internal loan officer or risk management professional to manage it yourself - it's completely up to you. If you would like DigiFi to do this, our in-house specialists perform this work in our offshore engineering center, and we're therefore able to offer low, fair rates to any lender that needs these services.
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