Overture’s Automated Underwriting System helps mortgage lenders optimize decision-making for borrowers regarding product eligibility, pricing, best fit and suitability. Our rules-based AUS allows originators to tailor their decisions at the point of sale to offer loan officers a variety of eligibility, product and pricing options based on consumer choices by solution type, borrower credit, conditions mix, and region of the country, among other factors.

Key capabilities of Mozart for Originations include:

• Pre-Qualification, Pricing and Product Eligibility of partial or complete applications, providing all the eligible, ineligible and close call prices and products;
• Credit risk analytics, scoring formulas and loan scenario modeling that reduce client risk exposure; customizable findings, stipulations and conditions;
• Upload of Desktop Underwriter 3.2/MISMO 1003 or direct data entry, as well as a robust API for integrating with both upstream and downstream systems