Underwrite.ai
Underwrite.ai: Model-based loan scoring pairs lender policy rules with explained decisions. Ranked #12 of 30 in AI Loan Underwriting Software by our editors (7.1/10); pricing: 30-day trial; best for lenders using model-based application scoring.
At a glance
- Editor score7.1 / 10
- Pricing30-day trial
- Best forLenders using model-based application scoring
- Free planNo
- Paid from$100/unit one-time
- Borrower document analysisYes
- Facts checked14 Nov 2026
Where it wins
- Scores applications with lender-specific models and policy rules
- Returns decision reasons, plain-language rationales, and adverse-action reasons
- Analyzes business financials and assesses personal guarantors
Where it doesn't
- Mortgage underwriting is limited to non-QM and portfolio loans
- Consumer pricing is stated as $2 or less per application
- Listed offerings are paid rather than free
Our verdict on Underwrite.ai
Underwrite.ai provides credit-risk scoring and loan decisioning for consumer and small-business lenders, with a separate mortgage offering for non-QM and portfolio underwriting. It scores applications using lender-specific models and application data, then applies policy rules, cutoffs, overlays, and constraints. The result is a scored decision with reasons, including plain-language rationales and adverse-action reasons. Lenders seeking model-based application scoring and explainable decisions are the clearest fit; the product also supports business-credit evaluation alongside personal-guarantor assessment.
Its listed lending plans charge by decision rather than describing a general subscription. SMB Lender is $100 per report for business credit evaluation with personal guarantor assessment. Consumer Lender is $2 or less per consumer loan application, with no setup or implementation charge and no monthly minimums. Mortgage underwriting covers non-QM and portfolio underwriting; licensing is described as annual and volume-sized, with pricing quoted based on volume. A 30-day trial is listed. Buyers should compare pricing against their use case and expected volume, particularly for mortgage underwriting, where the quoted structure differs from the two per-decision plans.
The product’s core workflow is API-based: it returns scored decisions and reasons, and it can connect with loan origination systems. Its analysis can draw on historical loan outcomes and underwriter feedback to refine models, while business-credit reports assess company financials, bank statements, legal filings, and borrower-provided information. Risk ratings and recommended credit limits, terms, and monitoring requirements extend the business analysis beyond a score. This focus may suit lenders that want tailored scoring and explanations in decision workflows. Lenders looking for a broader mortgage scope than non-QM and portfolio underwriting, or not seeking model-based decisioning, may prefer another approach.
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Underwrite.ai pricing
All 3 Underwrite.ai plans and prices →
Underwrite.ai fact sheet
| Free plan | No |
|---|---|
| Paid from | $100/unit one-time |
| Borrower document analysis | Yes |
| Automated decisioning | Yes |
| Mortgage underwriting | Yes |
| Application risk assessment | Yes |
| Decision explanations | Yes |
| Human review workflow | Not verified |
| Free trial | 30 days |
| Deployment | Cloud |
| Platforms | Web |
| Compliance & security | GDPR |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 1 integrations: Loan origination systems |
| Pricing | 30-day trial (source) |
| Website | underwrite.ai |
| Facts checked | 14 Nov 2026 |
Underwrite.ai integrations
Underwrite.ai lists 1 integrations on its own site.
- Loan origination systems
Alternatives to Underwrite.ai
- ICE Mortgage AnalyzersMortgage-focused document analysis with rule results and exceptions for underwriter review.9.1
- Infosys Agentic AI Mortgage Underwriting SolutionMortgage decisioning spans document checks, risk analysis, recommendations, and human review.8.8
- nCino Commercial LendingA cloud workflow for C&I and CRE lending, from application intake through portfolio monitoring.8.5
See all Underwrite.ai alternatives →
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Featured on iTechGuides
Underwrite.ai is listed in our AI Loan Underwriting Software directory. Add the badge to your site — it links back to this page.
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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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