DigiFi for Non-QM Mortgage Underwriting & Prequalification

DigiFi helps mortgage lenders digitize existing credit guidelines and deploy powerful machine learning risk models that provide extremely accurate default predictions for complex populations

  • Convert correspondent sales guides into automated prequalification
  • Leading-edge ML models built with neural networks & boosted trees
  • Innovative decision explainability for bank-level compliance
From Our Blog
How Machine Learning is Transforming Mortgage Lending

Mortgage lending can be extremely tedious and frustrating for both consumers and financial institutions. However, advanced technologies such as machine learning and predictive analytics are changing this by streamlining workflows and automating critical decisions...

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POWERFUL PREDICTIVE MODELS
FULLY EXPLAINABLE DECISIONS
BANK-LEVEL COMPLIANCE

Reduce Loan Defaults

Take your underwriting beyond standard credit scores with exceptionally accurate risk models built with next-generation machine learning algorithms

Approve More Customers

Identify more creditworthy borrowers with predictive machine learning models and unlock new online distribution channels with automated underwriting

Eliminate Black Boxes

Benefit from transformative transparency by seeing exactly how decisions are made including clear reasons for complex machine learning predictions

Transform Your Non-QM Mortgage Underwriting

Take your underwriting to the next level with powerful machine learning and credit policy automation

OPTIMIZED UNDERWRITING

Our ML models are exceptionally powerful, driving more approvals and less defaults

SERVE MORE CUSTOMERS

DigiFi’s platform empowers lenders to better address a wider credit spectrum, including thin-file applicants

MORTGAGE INTEGRATIONS

We connect directly to the third-party data sources you need, such as credit bureaus and pricing engines

INSTANT PREQUALIFICATION

Your other systems can easily connect to underwriting workflows & models to instantly prequalify borrowers

EXPLAINABLE MACHINE LEARNING

DigiFi’s proprietary explainability framework provides specific reasons for every decision

ACCELERATED BY TECHNOLOGY

Our platform optimizes and automates underwriting processes in a fraction of the time and cost

Our Underwriting Solutions

Machine Learning Risk Models

Extremely accurate predictive models trained with your data and next-generation machine learning

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  • Exceptional power relative to traditional risk scores, such as FICO® or VantageScore®
  • Leverages leading-edge ML tech, including neural networks and gradient-boosted trees
  • Clear explanations for complex ML decisions to meet bank-level compliance requirements

Underwriting Automation

Turnkey automation of your credit policy, underwriting rules and data integrations

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  • Digitizes credit requirements, scoring models, risk-based pricing and exposure management
  • Direct integrations with credit bureaus, alternative data providers and other sources
  • Simple API for instantly processing real-time decisions with complete accuracy
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