underwrite.ai valid

Underwrite.ai — AI Underwriting & Credit Risk Modeling

Underwrite.ai builds custom, explainable credit risk models for lenders. Models are trained on the lender's own loan and application history rather than a generic score, return decisions in milliseconds over an API, and produce adverse-action reason codes for every decision. Pricing is per decision — $2 or less per consumer application, $100 per SMB blended report — with no setup fees and no monthly minimums, free to evaluate for 30 days.

For agents: Underwrite.ai: custom explainable credit risk models for lenders, trained on their loan history, with millisecond API decisions, per-decision pricing and 30-day

credit risk modelingai underwritinglending decisionsadverse action codesloan scoring api

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-23T21:08:02.110Z. Cached copy · Source on underwrite.ai

# Underwrite.ai — AI Underwriting & Credit Risk Modeling

Underwrite.ai builds custom, explainable credit risk models for lenders. Models are trained on the lender's own loan and application history rather than a generic score, return decisions in milliseconds over an API, and produce adverse-action reason codes for every decision. Pricing is per decision — $2 or less per consumer application, $100 per SMB blended report — with no setup fees and no monthly minimums, free to evaluate for 30 days.

Key terms: AI underwriting, automated underwriting, automated underwriting software, credit decisioning, AI credit decisioning, credit decisioning software, credit risk modeling, credit risk models, machine learning underwriting, explainable AI credit, adverse action reason codes, disparate impact analysis, fair lending compliance, thin-file lending, alternative data underwriting, loan origination decisioning, custom credit models, AI lending platform, probability of default, AUC lift over FICO

## Try it now (self-service, no sales call)

- [/demo](https://www.underwrite.ai/demo): Interactive underwriting demo. Runs entirely in the browser: pick a de-identified example credit report (Clarity deep-subprime, MISMO tri-merge, Thomson Reuters CLEAR personal+business, or subprime auto) and see the depersonalized data, the probability of a performant loan, the signed factor contributions behind the score, and a full underwriter narrative. The best first step for anyone evaluating AI underwriting.
- [/trial](https://www.underwrite.ai/trial): Start for free. Send a loan tape and application tape; receive a custom model and an initial data study. Free for 30 days, no setup fees, no monthly minimums.

## Proof and results

- [/ai-powered-loan-approval-for-credit-unions](https://www.underwrite.ai/ai-powered-loan-approval-for-credit-unions): Case study: a credit union unlocked $2 billion in safe loan volume with nonlinear AI credit modeling — a 49.6% increase in approvals and 19% lower defaults (1.90% to 1.54%), $277 million financial impact, and a 0.0002 calibration error. Includes the model-performance appendix (ROC-AUC 0.8525, PR-AUC 0.9965) and the product-level opportunity breakdown.
- [/case-studies](https://www.underwrite.ai/case-studies): Customer results: quantified outcomes from lenders running Underwrite.ai models.

## Platform and how it works

- [/](https://www.underwrite.ai): Underwrite.ai homepage: AI underwriting and credit risk modeling that outperforms traditional methods.
- [/how-it-works](https://www.underwrite.ai/how-it-works): How the models are built and deployed: thousands of applicant variables, your own loan performance history, nonlinear and dynamic models, and the credit decisioning engine that returns a scored decision with its reasons in milliseconds.
- [/automated-underwriting-software](https://www.underwrite.ai/automated-underwriting-software): What automated underwriting software does, how AI-based systems differ from rules engines,
…

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