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.