How do you verify lead quality before transfer? (credit score, equity position, loan amount)

Our Reps are all trained as per the experience, they ensure they ask all these questions from the customer to verify we have the right prospect.

What specific refinance criteria do you screen for? (rate reduction threshold, cash-out needs)

The Criteria is based on the Minimum rate, Balance, they should not have late payments in 1 year, No Refinance in the last 1 year, No Bankruptcy or foreclosure in 3 years, and should be interested to pull some cash, credit, and monthly payments.

What percentage of transferred leads are serious borrowers vs. rate shoppers?

It all depends on the proposal given, but we try to have the highest percentage of serious buyers.

How recent are leads when transferred? (minutes/hours old)

They are minutes and seconds old.

What channels generate these refinance leads? (paid search, social media, organic)

These are all opt-in leads from all social sources.

What percentage of leads come from rate-and-term vs. cash-out refinance interest?

Depends on the market. Right now we focus on the cash-out refinance.

How do you differentiate between purchase and refinance intent?

We only do refinance intent and not purchase.

Can you provide case studies from lenders with similar business models?

You can visit our website for various references.

What's your pricing model? (per transfer, per qualified call, per closed loan)

It all depends on the module—FHA, VA, or Conventional—and also on the filters from the buyers.

Do you offer performance-based pricing or money-back guarantees?

All leads are based on the per call price, and any lead that does not match the pre-decided filters is not counted as billable.

Are there volume-based discount tiers?

No, for us the price remains the same, as we do not hamper quality whether you buy 1 or 100 leads.

How do you handle disconnected numbers or wrong parties?

These are all live transfers, hence no disconnected numbers.

What's your refund policy for non-qualifying leads?

Any lead not matching the filters is not qualified.

How do you ensure TCPA/FCRA compliance for live transfers?

All leads we dial are opt-in, ensuring we have the consent needed to call them and take details.

What disclosures do consumers receive before being transferred?

We inform consumers that this is not a sales call and that we are offering a quote to help them get the best deal.

How do you handle Do Not Call list compliance?

We are registered with the National DNC and have our own SAN Number. Anyone who requests to be added is passed to our internal DNC team.

What's your service level agreement for lead transfers?

We have an IO and Master Agreement that we send to buyers.

How do you handle after-hours leads?

Before we set up the campaign, we ensure leads are transferred according to the buyer's hours. No lead is sent after hours; if any are, they are not billable.

What reporting do you provide in real-time?

Customer details are passed via API so that once the call gets transferred, loan officers have all the details.

Pre-Underwriting AI – Heritus Algorix

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Pre-Underwriting AI

The system uses AI to perform faster smarter loan screening operations before human underwriters review applications.

The Pre-Underwriting AI system performs automated underwriting at the beginning of the process through data analysis to detect risks and verify eligibility and score borrower intent before human underwriters review the file.

Over the last 25+ Years we made an impact, we have long way to go.

These are the concepts that shape our distinctive culture & differentiate us from others. They true the unique spirit of our Firm guide the behaviors that enable us to deliver the promises we make to our clients and our people.

Benefits of Using Pre-Underwriting AI

Underwriters can dedicate their time to handling complex cases because of this system.

The system enhances both approval precision and uniformity across all applications.

The system detects fraudulent or unqualified leads at an early stage.

1. What is Pre-Underwriting AI?

mimics the decisions a human underwriter would make by reviewing borrower data, documents, and risk factors — instantly and with accuracy.

2. How Does It Work?

AI scans application forms, credit reports, income documents, and property records. It flags inconsistencies, checks compliance criteria, and generates an early risk profile — all before it even reaches a human underwriter.

3. What Does It Do?

Instantly verifies income, employment, and assets

Performs soft credit risk analysis

Detects missing or fraudulent documents

Pre-approves or rejects applications based on lender criteria

Reduces manual review time and underwriting costs

Helps prioritize high-quality applications for faster closings

What Pre-Underwriting AI Does

Automated Document Review Quickly scans and validates income proofs, IDs, bank statements, and property records using OCR and AI.

Credit Risk Assessment Performs a soft credit check to evaluate the applicant’s financial behavior and flag risky profiles early.

Eligibility Scoring Scores applicants based on customizable lending criteria like DTI, LTV, income stability, and more.

Fraud Detection Identifies document tampering, inconsistencies, and duplicate data to prevent fraud at the earliest stage.

Compliance Check Ensures each application meets regulatory and lender-specific compliance rules before moving to human review.

Fast Pre-Approval or Rejection Delivers instant pre-qualification results, reducing time-to-decision and improving loan pipeline efficiency.

Heritus Algorix

Pre-Underwriting AI

Over the last 25+ Years we made an impact, we have long way to go.

Benefits of Using Pre-Underwriting AI

1. What is Pre-Underwriting AI?

2. How Does It Work?

3. What Does It Do?

What Pre-Underwriting AI Does

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