The underwriting
profit engine
for modern lenders.
Nexum sits between your loan officers and your closing desk — scoring every application against a 4-factor risk model and surfacing the $100K+ of revenue most mortgage shops leave on the table each cycle.
Four signals. One decision. Zero spreadsheets.
Every file is scored against credit profile, leverage, debt service, and employment quality. Nexum returns a status, a risk score, and the exact dollars of profit each decision unlocks.
Risk model
Weighted scoring across credit, LTV, DTI and employment — calibrated to your portfolio.
Profit uplift
Per-file revenue projection by loan purpose. Refinance, purchase, cash-out — each priced independently.
Decision trail
Auditor-ready notes generated for every file. PMI flags, DTI warnings, doc requests — all logged.
Alerts feed
Status changes, conditional approvals and denials piped straight to the underwriter's inbox.
From application to profit, in three pulses.
Submit a file
Drop the borrower's profile and loan terms into Nexum. Nothing to install, nothing to migrate.
Engine scores it
Our 4-factor model runs in under a second. Risk score, LTV, DTI, and an automatic status.
See the dollars
Every decision comes attached to a profit uplift estimate — you know exactly what you unlocked.
Tiered packages that pay for themselves on the first file.
For boutique mortgage shops up to 80 files / month.
- Up to 80 underwritten loans
- 4-factor risk model
- Profit uplift per file
- Email alerts
The standard for regional lenders — predictable cost, predictable margin.
- Up to 320 underwritten loans
- Conditional + denial workflows
- Decision audit trail (SOC2)
- Priority support
Volume + success fee. We get paid when your margin grows.
- Unlimited underwritten loans
- Performance-based fee
- Custom risk calibration
- Dedicated solutions engineer
Subscription, performance fees, and tiered packages — combine as you grow. Underwriting profits scale, your cost stays predictable.
Stop leaving $100K on the closing desk.
Spin up an account, push your first file through the engine, and see the uplift before your coffee gets cold.