Tradata is the AI co-pilot for Non-QM underwriting. We analyze messy income data and generate audit-ready reasoning—alongside your existing AUS.
Analyzing 24 months of bank statements...
Deposits are consistent with business nature. DTI remains under 43% when excluding non-recurring transfers. Risk factors mitigated by 12 months reserves.
Traditional underwriting breaks down on complex loans. When AUS says "Refer" or approves without logic, your team is left reverse-engineering the math.
Inconsistent exception documentation
Silent accumulation of repurchase risk
Senior underwriter burnout
No LOS disruption. No black box. Just clear decisions.
System ingests borrower docs, AUS findings (DU/LPA), and your specific credit policies.
AI Agents simulate risk tradeoffs, check overlays, and validate income credibility.
Underwriter receives a clear decision path with a pre-written, regulator-safe rationale.
Human makes the final call. Tradata attaches the logic to the file for audit defense.
Enter your corporate email to receive an instant underwriting walkthrough.