API &
Integrations
While our platform is built in-house, it does not operate in isolation. It connects to a massive network of external systems: 200+ wholesale lenders, all three credit bureaus, automated underwriting engines, title companies, appraisal management companies, e-signing platforms, flood certification services, and tax transcript providers. These connections are what allow us to deliver 60-second rate quotes and 14-day closings.
Last updated: March 2026
Connected to the
Entire Industry
Our platform maintains live API connections to every critical external system in the mortgage ecosystem. Data flows in and out in real time, eliminating manual processes, reducing errors, and accelerating every stage of the loan lifecycle.
How External Data Flows Through the Platform
From rate sheet ingestion to closing document delivery, external APIs power every step.
Lender Rate Sheets
200+ feeds ingested
Rate Engine
Normalized & indexed
Credit Pull
Bureau integration
AUS
DU / LP submission
Services
Title, appraisal, flood
Closing
E-sign & fund
Wholesale Lender Network (200+ Connections)
Unlike a single bank that offers only its own products, our platform is connected to over 200 wholesale lenders, credit unions, and correspondent partners. Each connection is maintained via direct API feeds that deliver real-time rate and eligibility data. When you run a Quick Quote, you are seeing live pricing from the broadest possible market.
Major National Lenders
Top-tier wholesale lenders offering conventional, government, and jumbo products with the most competitive pricing and fastest turn times.
Regional Banks
State and regional banks offering portfolio products, niche programs, and pricing advantages in specific geographic markets.
Credit Unions
Credit union partners providing member-competitive rates, low fees, and specialized programs for specific borrower profiles.
Non-QM Specialty Lenders
Lenders specializing in bank statement loans, DSCR investor loans, asset depletion, foreign nationals, and other non-traditional products.
Government Program Specialists
Lenders specializing in FHA, VA, USDA, and state housing finance agency programs with deep expertise in government guidelines.
Correspondent Partners
Direct correspondent relationships allowing us to underwrite and close in our own name for faster processing and greater control.
Rate Sheet Ingestion
Rate sheets from all 200+ lenders are ingested, parsed, normalized, and indexed continuously throughout the trading day.
- Multiple daily rate sheet updates per lender
- Automated parsing of varying formats
- LLPA (loan-level pricing adjustment) indexing
- Product eligibility rule extraction
- Stale rate detection and flagging
Lock & Registration
When a rate is locked, our system registers the loan with the selected lender via API, eliminating manual entry and reducing lock errors.
- Electronic rate lock submission
- Lock confirmation and tracking
- Lock extension and renegotiation
- Float-down monitoring and alerts
- Lock expiration warnings
Submission & Status
Loan files are submitted to lenders electronically, and status updates flow back into our platform in real time.
- Electronic file submission
- Real-time status updates from lender
- Condition lists ingested automatically
- Approval and denial notifications
- Closing document coordination
Real-Time Data. Real-Time Decisions.
200+ API connections delivering live data from across the mortgage industry
Credit Bureau Integrations
Our platform integrates directly with all three major credit bureaus (Equifax, Experian, and TransUnion) through approved credit report providers. Credit data is pulled securely, parsed automatically, and fed directly into the underwriting workflow.
Tri-Merge Credit Reports
Full tri-merge credit reports are pulled with borrower authorization and integrated directly into the loan file.
- All three bureaus in a single pull
- FICO score retrieval (all scoring models)
- Trade line analysis and parsing
- Public records and collections identification
- Automated liabilities extraction
Soft Pull Capabilities
For pre-qualification and Quick Quote purposes, we can perform soft credit pulls that do not affect the borrower's credit score.
- No impact to borrower credit score
- Score range estimation for rate matching
- Used for initial qualification scenarios
- Seamless upgrade to full pull when authorized
Credit Supplements & Updates
When credit data needs updating during the loan process, our system requests supplements directly from the bureaus.
- Rapid rescore ordering
- Credit supplement requests
- Undisclosed debt monitoring
- Pre-closing credit refresh
Automated Underwriting Systems (AUS)
Our platform integrates with both major automated underwriting systems used by the mortgage industry. AUS findings are submitted electronically and results are ingested back into the loan file automatically, eliminating manual data entry and speeding the underwriting process.
Desktop Underwriter (DU)
Fannie Mae's Desktop Underwriter is the industry-standard AUS for conventional loans.
- Electronic submission via MISMO format
- Automated findings ingestion
- Approve/Eligible, Refer, or Caution parsing
- Required documentation list extraction
- Re-run capability with updated data
Loan Prospector (LP)
Freddie Mac's Loan Product Advisor (formerly Loan Prospector) for conventional and government loan evaluation.
- Electronic submission and results retrieval
- Accept/Caution status parsing
- Feedback certificate generation
- Asset and income rep-and-warrant relief tracking
- Automated documentation waiver identification
FHA TOTAL & VA AUS
Government-specific automated underwriting for FHA and VA loans through their respective systems.
- FHA TOTAL Scorecard submission
- VA automated underwriting
- CAIVRS (Credit Alert Verification Reporting) check
- FHA Case Number assignment
- VA Certificate of Eligibility retrieval
Title, Appraisal & Settlement Services
Ordering title work, appraisals, flood certifications, and other settlement services is fully automated through our API integrations. Orders are placed electronically, statuses update in real time, and completed reports flow directly into the loan file.
Title & Escrow
Electronic ordering and tracking of title searches, title insurance, and escrow services through integrated title company partners.
- Automated title search ordering
- Title commitment receipt and review
- Exception and requirement tracking
- Escrow instruction coordination
- Closing disclosure collaboration
Appraisal Management
Our platform integrates with appraisal management companies (AMCs) for compliant ordering, tracking, and delivery of property appraisals.
- Electronic appraisal ordering
- Appraiser assignment and scheduling
- Status tracking and ETA updates
- UCDP/EAD submission for GSE loans
- Appraisal review and condition tracking
- Reconsideration of value workflows
Flood & Verification Services
Automated ordering of flood certifications, tax transcripts, employment verification, and other third-party verification services.
- FEMA flood zone determination
- Life-of-loan flood monitoring
- IRS 4506-C tax transcript ordering
- VOE (Verification of Employment) automation
- VOD (Verification of Deposit) integration
- SSN validation and identity verification
E-Signing & Document Delivery
Disclosures, authorizations, and closing documents are delivered and signed electronically through integrated e-signing platforms. Borrowers can review and sign documents from any device, and signed copies are automatically filed in the loan record.
Electronic Disclosures
Initial disclosures, loan estimates, and regulatory notices are generated and delivered electronically with e-consent tracking.
- Automated disclosure package generation
- E-consent capture and tracking
- TRID-compliant delivery and timing
- Signature tracking and reminders
- Completed documents auto-filed to loan record
E-Closing Capabilities
Where permitted, borrowers can electronically sign closing documents, reducing closing time and improving the experience.
- Hybrid and full e-closing support
- Remote online notarization (RON) integration
- Secure document delivery and signing
- Tamper-evident document sealing
- Automated recording submission
Investor Delivery
After closing, loan packages are delivered to purchasing investors electronically through standardized submission portals.
- Electronic loan delivery to investors
- MISMO-formatted data packages
- Stacking order compliance
- Purchase advice tracking
- Post-close condition management
200+ Lenders.
One Quote.
All of these integrations exist to serve one purpose: getting you the best possible rate and the fastest possible closing. Try our Quick Quote and see the entire network working for you in under 60 seconds.