Underwriting for thefiles AUS won’t score.
Alnex reads the documents, does the arithmetic, and cites the page every number came from. A deterministic engine makes the call against your thresholds. Your underwriter signs it.
A DSCR investor whose personal debt-to-income is 123% and whose file approves anyway — because the property qualifies, not the person. A self-employed borrower qualifying on deposits instead of tax returns. A retiree living on assets. These are hours of human reading. That is the work we take.
Gross rent
$4,500 / mo
PITIA
$3,520.14 / mo
Principal, interest, taxes, insurance
DSCR
1.27×
Passes 1.20 guideline
Back-end DTI
123%
Decision
Approve
Full reasoning trace available
Who this is not for
Clean agency W-2 files running through one wholesale lender’s portal. If DU or LPA scores your file and your lender turns it in a day, you don’t need us — and we’re not trying to replace your AUS, your LOS, or your lender’s submission tool.
Performance
Underwriting at enterprise scale
Speed
Minutes
From upload to decision-ready in minutes, not weeks
Cost per loan
Lower
AI does the reading, not the deciding
Risk review
Every doc
Anomaly and risk analysis on every document
Backlogs
Shrink
Your team reviews files, not paperwork
Product tour
See it in action
A walkthrough on sample loan files — from upload to a decision-ready file.
Platform
AI-powered underwriting, built for secure and fast lending.
Designed for mortgage teams who need speed without sacrificing accuracy. Alnex supports lenders, processors, and agents by handling document review, identifying red flags, and assessing risk with precision. What once took months of manual effort can now be done in a fraction of the time, reducing costs while improving consistency. Every conclusion is transparent, and every calculation can be reviewed and verified.
Document-First Intake
Drop in the loan documents — Alnex classifies them, builds the checklist, and fills the application from what it reads.
Computed, Never Guessed
Income, liabilities, reserves, valuation, self-employment, and rental income extracted as structured line items — then computed by tested calculators, never AI guesses.
Ask the Guidelines
Cited, page-numbered answers from Fannie Mae, Freddie Mac and FHA guides — alongside your own investor overlays, in your own library.
Evidence One Click Away
Click any computed figure to open the exact page of the source document it came from.
AUS Reconciliation
DU and LPA findings cross-checked against the file, deterministically.
Worksheets, Filled
Fannie 1084 and Freddie 91 cash-flow worksheets computed from the documents and returned as filled PDFs.
Your Policy, Your Thresholds
Credit floor, DTI, LTV, reserves — tunable per organization; the engine decides under your numbers.
Compliance
Built for examiners
Reg B Reason Codes
Adverse-action reason codes proposed on every decline — your underwriter confirms or edits before anything goes out.
One-Click Decision Record
Facts, provenance, model chain, policy thresholds, and engine version in a single export.
Fair-Lending Harness
Disparate-impact analysis (four-fifths rule) run against your own thresholds.
Full Audit Trail
Every action logged — including AI usage per loan file.
Workflow
From documents to decision in minutes
Designed to fit into your existing underwriting process with clear checkpoints and audit-ready outputs.
Upload Documents
Upload the borrower's documents — or connect your LOS (Enterprise).
AI Reads & Extracts
AI reads, classifies, and extracts structured line items from every document.
The Engine Computes
The deterministic engine computes DTI, LTV, reserves, and findings under your policy.
Underwriter Signs Off
Your underwriter reviews cited figures, clears conditions, and signs off — with an exportable decision record.
Get started
Weeks of file work. Minutes of review.
Built for Non-QM lenders, wholesale and correspondent shops, and the brokers who place with several of them. Alnex handles the reading, the math, and the paper trail so your underwriters can decide with confidence.
Free Basic tier • Concierge onboarding • Plans from Standard to Enterprise