LASER DECIDE
Underwriting automationthat respects your underwriters’ judgment.
Automate the consistent, repeatable parts of underwriting—data collection, rule evaluation, document attachment, routing—while keeping your team in control of policy and exceptions. Inside Salesforce. Audit-ready. ECOA and FCRA aware.
What it is
Automate the work, not the judgment.
Underwriting automation is the use of software to apply your institution’s underwriting policy consistently to every loan application—handling data collection, rule evaluation, scoring, and routing automatically. Your underwriters remain in control of policy and exceptions. The software removes the manual, repetitive work in between.
What LASER DECIDE automates
- Pulling credit, banking, income, and employment data
- Parsing tradelines and cash flow signals
- Applying your rules to every application
- Calculating scores and generating reason codes
- Attaching documents to the loan record
- Routing to the right underwriter when judgment is needed
- Recording the audit trail for every decision
What stays human
- Designing and updating underwriting policy
- Reviewing applications flagged for judgment
- Granting exceptions and counter-offers
- Building customer relationships
- Communicating decisions with empathy
- Final sign-off on complex cases
Outcomes
What lenders see after deploying underwriting automation.
Results vary by institution, loan product, and policy maturity, but the pattern is consistent: faster decisions on clean applications, more underwriter time spent where it matters, and a defensible audit trail for every adjudication.
From submitted application to adjudicated decision on clean files
Of decisions have a versioned, traceable rule path
Volume processed without adding underwriting headcount
Manual exports to Excel or external decisioning tools
Underwriting automation 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 works
From application submission to adjudicated decision.
Application arrives in Salesforce
Lead, Opportunity, or custom loan record—however your org captures applicants today.
ACCESS gathers the data
Credit reports from Experian, TransUnion, and Equifax. Banking and income data through Plaid. Employment verification. All attached to the record automatically.
DECIDE runs your underwriting rules
Every rule in your policy fires against the application. The engine returns a scored decision with the rule path, the data inputs, and the reason codes that drove it.
Clean approvals process instantly
Applications that cleanly meet every rule return an approve decision in seconds. The applicant sees a fast answer; your team sees a defensible audit trail.
Edge cases route to your underwriters
Applications that don't cleanly meet every rule are routed—with the rule path, the missing information, and the supporting documents already attached. Your underwriters start where their judgment actually matters.
Frequently asked questions
Common underwriting automation questions.
What is underwriting automation?
Underwriting automation is the use of software to apply your institution's underwriting policy consistently to every loan application—handling data collection, rule evaluation, scoring, and routing automatically. Your underwriters remain in control of policy and exceptions; the software removes the manual, repetitive work in between.
What parts of underwriting can actually be automated?
Data collection from bureaus and banks, parsing of tradelines and cash flow, rule evaluation against your underwriting policy, score calculation, reason code generation, document attachment to the loan record, and routing to the right underwriter when judgment is needed. What stays human: policy design, exception decisions, and customer relationships.
What kind of speed improvement should we expect?
For applications that cleanly meet every underwriting rule, decisions can return in under 30 seconds end-to-end. For applications that require underwriter review, the rule path and missing data are already attached, so underwriter time drops substantially. Most LASER customers see straightforward decisions move from days to minutes.
Does it work for non-traditional or thin-file applicants?
Yes. LASER DECIDE works with whatever data signals you choose to underwrite on, including alternative credit data, cash flow patterns from Plaid, and verified income from payroll providers. The rule engine doesn't care which data sources you use—it applies the rules you define to whatever signals are on the record.
How is this different from a black-box AI underwriter?
LASER DECIDE is a transparent rule engine, not a machine learning model. Every decision shows the exact rule path that produced it. This matters for two reasons: your compliance team can audit every adjudication, and your underwriters can change a rule and understand exactly what the change will do. Black-box AI underwriters can't offer either.
How long does implementation typically take?
Most credit unions and CDFIs go live within 30 to 60 days, including rule configuration, sandbox testing, and production deployment. Implementation time scales with the complexity of your existing policy.
Free your underwriters from work that doesn’t need them.
See LASER DECIDE handling the routine adjudications, so your team can focus on the loans that actually need their judgment.