LASER DECIDE
Automated underwriting softwarefor lenders who can’t afford inconsistency.
Rules-based. Transparent. FCRA and ECOA-aware. LASER DECIDE handles the straightforward applications consistently, so your underwriting team can focus on the loans that actually need their judgment.
What it is
Automated underwriting software, explained simply.
Automated underwriting software is a rules-based system that evaluates loan applications against your institution’s defined underwriting policy and returns a consistent approve, decline, or refer decision. Your underwriters still own policy and exceptions. The software handles the consistent application of that policy at scale—every applicant, every time, the same way.
The LASER principle:Consistency of process. Identical loans scored identically. Two applicants with the same profile should always get the same answer—regardless of which underwriter sees the file first.
Rules you control
Build, test, version, and deploy underwriting rules without code. Your policy, expressed as software.
Refer, don't replace
Applications that don't cleanly meet every rule route to your underwriters—with the rule path and missing data already attached.
Transparent reason codes
Every decline or counter-offer is tied to specific reason codes that drive automatic ECOA-compliant adverse action notices.
Audit trail per decision
Every adjudication shows the rule version, the data inputs, the score, and the timestamp. Examination-ready.
Test before you deploy
Run new rule sets against your historical applications. See how the new policy would have decided last quarter before it touches a real applicant.
Native to your stack
Runs inside Salesforce, against your existing loan and account records. No middleware. No data exports. No spreadsheets.
Automated underwriting is the heart of the DECIDE engine
DECIDE pairs with ACCESS (data) and COMPLY (compliance) to handle the full lending lifecycle inside Salesforce. See the complete picture.
How it differs
Automated underwriting vs. an LOS vs. a credit pull.
These terms get used interchangeably, but they describe different parts of the lending stack. Here’s how they relate.
| Component | What it does | Where LASER fits |
|---|---|---|
| Loan origination system (LOS) | Manages the full lending lifecycle—intake, documents, decisioning, funding, servicing | Salesforce is your LOS layer; LASER plugs in |
| Credit data access | Pulls credit reports, bank data, income, employment | LASER ACCESS |
| Automated underwriting | Evaluates the application against rules and returns a decision | LASER DECIDE (this page) |
| Compliance automation | Adverse action notices, FCRA/ECOA/GLBA documentation | LASER COMPLY |
Who uses it
Built for institutions that need decisions to be both fast and defensible.
Credit unions
Member-first lending policy applied identically across every branch, every loan officer, every application channel.
CDFIs
Mission-driven underwriting with the documentation funders and examiners expect—without spreadsheet sprawl.
Specialty lenders
Solar, auto, equipment, working capital—any lender with a defined credit policy can express it in DECIDE rules.
Banks expanding consumer lending
Standardize new product launches with versioned, auditable rule sets your compliance team can sign off on before go-live.
Frequently asked questions
Common automated underwriting questions.
What is automated underwriting software?
Automated underwriting software is a rules-based system that evaluates loan applications against an institution's defined underwriting policy and returns a consistent approve, decline, or refer decision. It does not replace human underwriters—it handles the straightforward applications consistently so underwriters can focus on the cases that genuinely require judgment.
How is this different from a loan origination system (LOS)?
An LOS manages the full lending lifecycle: intake, document collection, decisioning, funding, and servicing. Automated underwriting software is the decisioning component specifically. LASER DECIDE is the decisioning engine; it complements your LOS rather than replacing it, and runs inside Salesforce alongside the rest of your lending workflow.
Will automated underwriting replace our underwriters?
No. Automated underwriting handles the straightforward applications that cleanly meet every rule, and routes everything else to underwriters with the rule path and missing information already attached. The point is to free your underwriting team to focus on the applications that need their judgment, not to remove them from the process.
How does this work with adverse action notices?
LASER DECIDE records the rule path and reason codes for every declined or counter-offered decision. Paired with LASER COMPLY, those reason codes drive automated ECOA-compliant adverse action notices, including content and timing requirements under Regulation B.
Can we change rules without involving IT?
Yes. Rule changes are configured through the LASER admin interface inside Salesforce. Most underwriting policy adjustments do not require developer involvement.
Is it suitable for a small CDFI or credit union?
Yes. LASER DECIDE is sold in tiered packages that scale from smaller community lenders to larger multi-product institutions. The rule engine and audit trail are the same in every tier.
Identical loans, scored identically. Every time.
See LASER DECIDE running automated underwriting against your loan workflow.