Loanpass
LoanPASS is a cloud-based SaaS mortgage lending platform offering a rules-first Product & Pricing Engine and Automated Underwriting Service for non-QM, business purpose, conventional, and reverse mortgage lenders, delivered via unlimited-user subscription with embedded LOS integrations.
- Company typePrivate
- Founded2019
- HeadquartersMiami, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
Loanpass firmographics
Firmographics- Name
- Loanpass
- Legal name
- BlockGen Corp.
- Website
- https://loanpass.io
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- LoanPASS is a cloud-based SaaS mortgage lending platform offering a rules-first Product & Pricing Engine and Automated Underwriting Service for non-QM, business purpose, conventional, and reverse mortgage lenders, delivered via unlimited-user subscription with embedded LOS integrations.
- Ownership category
- akta.pro rank
Loanpass industry classification
Industry- Product category
- Mortgage Lending Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Product, Pricing & Eligibility (PPE) / Rate Lock & Pricing Engines (FSALALAC)
- akta.pro secondary industries
- Quality Control (QC), Compliance & Audit Tools for Underwriting (FSALALAL), Credit Data, Trimerge & Credit Analytics (FSALALAG)
Keywords
Where Loanpass is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Loanpass business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Subscription-based SaaS: Cloud-based subscription model with unlimited-user, success-based pricing enabling lenders to scale adoption without per-seat licensing costs.
- Success-based Pricing: No participation fees; open investor model enabling scalability without additional per-transaction costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Unlimited-User Success-Based Model |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Loanpass product offering
Product offeringCore offering
LoanPASS sells a cloud-based SaaS Product & Pricing Engine (PPE) and Automated Underwriting Service (AUS) that enable mortgage lenders to configure pricing, eligibility rules, margins, and stipulations for conventional, non-QM, business purpose, and reverse mortgage loans. The platform delivers sub-second pricing responses and supports white-label deployment via APIs and iFrame integration into loan origination systems, with an integrated PMI quoting capability through the acquired PMI Rate Pro product.
Product overview
LoanPASS offers a unified SaaS platform combining a Product & Pricing Engine (PPE) with an Automated Underwriting Service (AUS) for mortgage lending decisioning. The core platform is complemented by the acquired PMI Rate Pro capability for mortgage insurance quoting. Key product components include: LoanPASS PPE (the primary pricing and eligibility engine), LoanPASS AUS (automated underwriting with configurable rules), Quick Pricer and Advanced Pricer (pricing interface options), and PMI Rate Pro (MI integration). The platform supports multiple loan verticals including conventional, non-QM, and business purpose lending, with solutions tailored for reverse mortgages, DSCR, and rental property loans. All products share a common rules-first architecture enabling no-code configuration by business users.
Differentiator
Problem solved
Functional benefit
Products and services
- LoanPASS Product & Pricing Engine (PPE) Cloud-based SaaS Product & Pricing Engine that provides eligibility, pricing, and product configuration for conventional, non-QM, and business purpose loans. Delivers sub-second pricing responses and supports no-code configuration of rules, margins, LLPAs, and LLRAs by business users.
- LoanPASS Automated Underwriting Service (AUS) Automated underwriting service that generates eligibility decisions, conditions, and stipulations in real time using configurable rules. Marketed as the industry's only fully configurable underwriting system built for non-QM and portfolio lending.
- Quick Pricer White-labeled pricing tool that allows lenders to streamline loan inputs and deliver instant pricing results to borrowers, brokers, and internal workflow.
- PMI Rate Pro Mortgage insurance (MI) pricing technology acquired by LoanPASS that enables instant MI quotes from all major providers. Offered as an integrated capability within the LoanPASS platform for unified mortgage product pricing, eligibility, and PMI quoting.
- FICO Score 10T Batch Pricing Tool Batch pricing tool that enables lenders to price thousands of loan files simultaneously and conduct large-scale side-by-side comparisons between FICO Score 10T and Classic FICO across non-conforming mortgage portfolios.
Quantifiable outcome
- 150k+ loan scenarios priced per week
- +5 more outcomes
Companies that use Loanpass
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles3 records
Loanpass technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration23 records
AI capability2 records
Feature6 records
Loanpass partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered flagship, core and minor.
- FICOflagshipLoanPASS is the first Product and Pricing Engine to implement FICO Score 10T into its platform. Launched batch pricing tool enabling lenders to compare FICO Score 10T and Classic FICO across thousands of loans simultaneously for non-conforming mortgage loans.
- The Mortgage CollaborativecorePreferred partnership with TMC, the nation's largest independent cooperative network serving mortgage industry. Provides access to TMC's member network of independent mortgage bankers.
- ICE Mortgage TechnologycoreIntegration with Encompass platform via Encompass Partner Connect APIs, enabling mutual clients to access LoanPASS PPE through the Encompass LOS.
- LendingPadcoreIntegration partnership enabling LendingPad LOS users to seamlessly access LoanPASS decisioning platform for product and pricing results directly within the LOS workflow.
- LendingWisecoreStrategic partnership delivering LoanPASS PPE embedded within LendingWise's all-in-one CRM, LOS, servicing and marketplace platform for commercial and private lenders. Leverages iFrame technology for white-label presentation.
- UplistminorStrategic partnership to empower loan officers with advanced homebuying tools.
- Pathfinder Advisory GroupminorPartnership for advisory services in mortgage lending.
Scale indicators8 records
Recent moves6 records
Expansion highlights7 records
Loanpass competitors and assessment
Company assessmentBroad incumbents
- nCino: nCino is a cloud-based banking platform serving commercial, retail, and mortgage lending with workflow automation and decisioning capabilities. As a LoanPASS integration partner, it serves as both distribution and a broad incumbent whose lending platform could expand to overlap with LoanPASS's pricing engine functionality.
- Cotality (formerly CoreLogic): Cotality (the rebrand of CoreLogic's real-estate data and analytics business) is a major data and analytics provider for the mortgage industry. LoanPASS integrates with Cotality for property data, but Cotality is also a broad incumbent whose analytics and decisioning assets compete for lender spend.
- MeridianLink: MeridianLink is a leading provider of loan origination and account opening software for banks, credit unions, and mortgage lenders. As a LoanPASS integration partner, it competes broadly in the lending workflow layer and is a meaningful indirect competitor in the decisioning stack.
- ICE Mortgage Technology (Encompass / Black Knight): ICE Mortgage Technology (formerly Black Knight) offers the Encompass LOS and a broad suite of mortgage technology — including its own pricing/decisioning integrations via Partner Connect. LoanPASS is embedded within Encompass; ICE is both a distribution partner and a broad incumbent whose native PPE roadmap directly competes with LoanPASS.
- Dark Matter Technologies: Dark Matter Technologies is the rebrand of the Black Knight Empower loan origination system business. It is a broad mortgage-tech incumbent offering an LOS and adjacent decisioning capabilities, making it both a competitor and a potential partner in the pricing-engine ecosystem.
Direct peers
- LendingPad: LendingPad is a web-based LOS for mortgage lenders that integrates with LoanPASS for product and pricing. It serves the same lender base with overlapping functionality and could be considered a partial direct competitor in addition to being a distribution partner.
- Optimal Blue: Optimal Blue is the dominant mortgage PPE and pricing analytics platform for the secondary market. It is the most direct competitor to LoanPASS, serving similar lender and broker channels with rate-sheet distribution, eligibility, and pricing workflows — though LoanPASS differentiates on its rules-first engine for Non-QM/BPL.
- Compass Analytics (Bankers Toolbox): Compass Analytics / Bankers Toolbox provides secondary market pricing, best-execution, and hedging tools to mortgage lenders. Like LoanPASS, it targets the pricing and eligibility workflows of banks, credit unions, and mortgage bankers, though it has a longer-tenured, more conventional-product-heavy customer base.
- Mortech (a Zillow Group company): Mortech provides product, pricing, and eligibility (PPE) and rate-sheet technology for mortgage lenders, including lock desk tools. It is one of the most direct functional competitors to LoanPASS's PPE for the conventional loan market.
Emerging players
- Blue Sage Solutions: Blue Sage is a cloud-based digital mortgage lending platform offering POS, LOS, and decisioning tools. As an emerging, modern cloud-native player, it overlaps with LoanPASS in lender workflow and pricing capabilities, particularly in retail and wholesale channels.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights8 records
Customer concentration
Loanpass social profiles
Digital presenceLoanpass compliance and trust
Trust signalCompliance2 records
Loanpass financial estimates
Financial estimateRevenue estimate
Valuation estimate
Loanpass leadership team
Management profileNumber of profiles
Profiles5 records
Loanpass subsidiaries and ownership
Company hierarchySubsidiaries1 record
Loanpass funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Loanpass M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Loanpass
What does Loanpass do?
LoanPASS sells a cloud-based SaaS Product & Pricing Engine (PPE) and Automated Underwriting Service (AUS) that enable mortgage lenders to configure pricing, eligibility rules, margins, and stipulations for conventional, non-QM, business purpose, and reverse mortgage loans. The platform delivers sub-second pricing responses and supports white-label deployment via APIs and iFrame integration into loan origination systems, with an integrated PMI quoting capability through the acquired PMI Rate Pro product.
Is Loanpass a public or private company?
Loanpass is a private company. It is classified as venture growth investor backed and is currently operating.
When was Loanpass founded?
Loanpass was founded in 2019. It employs 1 to 10 people.
Where is Loanpass based?
Loanpass is headquartered in Miami, United States, in the North America region.
How does Loanpass make money?
Two revenue lines are on record. Subscription-based SaaS are the primary driver. The others are success-based Pricing.
Who are Loanpass's main competitors?
Broad incumbents on record are nCino, Cotality (formerly CoreLogic), MeridianLink, ICE Mortgage Technology (Encompass / Black Knight) and Dark Matter Technologies. Direct peers are LendingPad, Optimal Blue, Compass Analytics (Bankers Toolbox) and Mortech (a Zillow Group company). Blue Sage Solutions is listed as an emerging player.
Does Loanpass have an API?
Yes. LoanPASS offers open APIs that third-party providers can utilize to seamlessly integrate with its decisioning engine. The platform leverages iFrame technology to extend customized presentations of products, pricing and eligibility fields. APIs are free to third-party providers. The system is described as being built on modern engineering framework and cloud computing architecture (Platform-as-a-Service).
What industry is Loanpass in?
Loanpass's product category is Mortgage Lending Software. Its primary akta.pro industry code is FSALALAC, Product, Pricing & Eligibility (PPE) / Rate Lock & Pricing Engines, with a secondary code of FSALALAL, Quality Control (QC), Compliance & Audit Tools for Underwriting. Its NAICS code is 518 and its SIC code is 7372.