JAUST launched a cloud-based automated underwriting platform designed to streamline jumbo and Non-QM mortgage originations. This system helps lenders reduce costs and accelerate decision-making in complex loan segments.
Built for portfolio lenders and mortgage banks working with multiple investors, the platform applies lender-specific credit, eligibility, and documentation guidelines in real time. It delivers structured underwriting recommendations, aiming to shorten cycle times, improve pull-through rates, and reduce manual errors.
“JAUST was built from the ground up to eliminate bottlenecks and bring intelligent automation to segments of lending that have been left behind,” said Michael Hurley, founder and product owner.
The platform utilizes data extraction technology to analyze over 50 document types. It evaluates borrower information against investor and lender overlays, generating auditable outcomes that support underwriters and streamline loan decisions.
JAUST operates as a modular system, allowing lenders to deploy components individually or as a full suite. Its core underwriting engine integrates with tools such as a program and pricing engine that scans investor guidelines, a credit evaluation module that assesses tri-merge reports, and a rules engine that manages over 1,000 guideline parameters across lender and investor overlays.
Delivered as a Software as a Service (SaaS) solution built on Microsoft Azure, the platform can integrate with loan origination systems or operate independently. The company stated most lenders can implement the system within weeks.
This launch addresses the elevated origination costs and increasingly complex investor guidelines lenders face, particularly in jumbo and non-agency lending. JAUST designed its platform to improve efficiency and provide more transparent, data-driven credit decisions.
“We’re here to bring intelligence and speed to underwriting — not by replacing the underwriter, but by augmenting what they do best with tools that are smarter, faster, and built for scale,” Hurley said.
The company is currently onboarding clients to expand adoption among lenders operating in non-agency markets.
