Bring the evidence together
Applications, appraisals, credit reports, statements, purchase documents, and supporting files become one deal view.
FOR PRIVATE & ALTERNATIVE LENDERS
AI underwriting software for private & alternative mortgage lenders.
Lendarex turns incoming mortgage files into a structured view of the borrower, mortgage, property, and risk signals—so your underwriter can spend more time on judgement and less time hunting through attachments.
AI-assisted review. The lender makes the decision.
Incoming mortgage file
Structured for review
Risk intelligence
LTV · credit · collateral
Underwriter review
Evidence-led decision
FROM FILE TO DECISION
Make the next underwriting question easier to answer.
Lendarex is an intelligence layer over the lender's existing workflow. It organizes the information a reviewer already needs, then makes the unresolved questions visible.
Extract and connect the facts
Review borrower, mortgage, and property fields together. Surface LTV, combined-charge exposure, valuation context, and missing information.
Review signals with context
Use scores, flags, policy checks, and AI-written review as a starting point—not as a substitute for an underwriter.
A PRIVATE-LENDING RISK LENS
One file. The questions that protect recovery and performance.
LTV and prior charges
Keep the proposed advance, value basis, priority, and retained charges ahead of the lender distinct. A second mortgage's aggregate prior-charge-plus-proposed-advance ratio can tell a different story than its standalone proposed-advance-to-value ratio.
Credit and repayment
Put credit score, collections, judgments, mortgage history, and current payment conduct beside the borrower's explanation and proposed exit.
Collateral and liquidity
Review property type, location, condition, comparable sales, and valuation evidence together. A value is not a guarantee of a quick sale.
Exit strategy
Ask what will repay the loan, on what timeline, and what evidence supports that path. An exit is a risk input, not just a narrative field.
Exceptions with an owner
Surface a policy deviation and its supporting evidence. The authorized lender decides whether the exception is acceptable and what conditions apply.
Flags that invite review
Risk signals highlight title, tax, property, credit, and document concerns so an underwriter knows where to look next.
HUMAN-IN-THE-LOOP BY DESIGN
Give the underwriter superpowers. Do not replace the underwriter.
Lendarex can organize and analyze supported documents. It can extract fields, calculate relationships, and present scoring and red flags in a repeatable way.
The lender still validates the evidence. Appraisal date and scope, charge priority, credit explanations, collateral liquidity, and exit assumptions require judgement.
The lender owns the result. Approval, decline, conditions, and exceptions should remain decisions made by an authorized person under the lender's policy.
SEE THE WORKFLOW
Bring your real underwriting questions.
See how an AI-assisted review can fit the documents, policies, and human decisions your lending team already manages.
Schedule a demo