HW Tech100

A dynamic underwriting engine that automates a complete, loan-specific underwrite

Candor-2021 Tech100 winners-mortgage

Candor is a dynamic, adaptive engine that underwrites loans individually and makes a decision to lend. By conducting a complete underwrite using CogniTech Knowledge Engineering Technology, Candor issues and clears conditions as it analyzes income, assets, credit, identity, and occupancy and is embedded in the LOS. Candor also incorporates aerospace technology to validate and verify data and ensure the highest quality data. Corroborations include up to 40,000 data cross checks on every click to ensure accurate and true data is used for underwriting and underwriting quality is backed by a defect policy that covers 186 defects.

  • A client man vs. machine test showed a 20.6 day reduction in cycle time
  • Clients reported an 18.1% lift in pull-through
  • Cash flow and EBITDA positive since going live in August 2020

Company Website:

Markets Served:

Loan Origination, Servicing

Company HQ:

The Villages, FL

3d rendering of a row of luxury townhouses along a street

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