Digital Lending
Digital Lending provides an NLP-powered automated underwriting system purpose-built for non-QM, non-agency, and portfolio lending, serving banks, lenders, and credit unions. It operates as a single-product line under parent company Lender Price from Pasadena, California.
- Company typePrivate
- Founded-
- HeadquartersPasadena, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Digital Lending does
Digital Lending is a single-product fintech company that operates as the automated underwriting system (AUS) product line of parent company Lender Price. The company provides an NLP-powered digital underwriting engine purpose-built for non-QM (non-qualified mortgage), non-agency, and portfolio lending—segments that are underserved by traditional agency-aligned underwriting platforms such as Fannie Mae's DU or Freddie Mac's LP. Its technology combines natural language processing with proprietary algorithms to ingest and analyze loan documents, income verification, payroll data, and borrower information, producing instant loan decisions with detailed reporting. The platform also embeds compliance automation for Fair Lending, Ability-to-Repay (ATR), and HMDA requirements, and provides audit-ready documentation for portfolio lenders.
The product is sold to banks, lenders, and credit unions that need configurable workflows tailored to their individual loan guidelines, with distribution handled through direct enterprise sales and a consultative, demo-driven buying process. Pricing is not publicly disclosed; contracts are custom and contact-based, consistent with institutional B2B SaaS deal structures. The company employs 1-10 people at its headquarters in Pasadena, California, and its operations are concentrated in the United States. Digital Lending maintains a digital-first marketing presence through LinkedIn, Facebook, and Twitter (operated under Lender Price handles) and emphasizes API-driven integration with lender technology stacks. The company is privately held with no disclosed external institutional investment, no documented funding rounds, no M&A activity, and no publicly disclosed leadership team.
Digital Lending firmographics
Firmographics- Name
- Digital Lending
- Legal name
- Digital Lending
- Website
- https://digitallending.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Digital Lending provides an NLP-powered automated underwriting system purpose-built for non-QM, non-agency, and portfolio lending, serving banks, lenders, and credit unions. It operates as a single-product line under parent company Lender Price from Pasadena, California.
- Ownership category
- akta.pro rank
Digital Lending industry classification
Industry- Product category
- Mortgage Underwriting Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Automated Underwriting Systems (AUS) & Decisioning Engines (FSALALAB)
- akta.pro secondary industries
- Underwriting Automation & Income/Employment Verification (FSAGAHAD), Quality Control (QC), Compliance & Audit Tools for Underwriting (FSALALAL)
Keywords
Where Digital Lending is headquartered
LocationHeadquarters
- HQ city
- Pasadena
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Digital Lending business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- AUS Software Licensing: SaaS/platform-based automated underwriting system offered to banks, lenders, and credit unions. Revenue appears to come from licensing the platform for loan underwriting operations, likely as a subscription or usage-based model based on loan volume.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Contact for Pricing |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Digital Lending product offering
Product offeringCore offering
Digital Lending provides an automated underwriting engine (AUS) that uses natural language processing and proprietary algorithms to deliver instant loan decisioning for non-agency, non-QM, and portfolio lending. The platform is offered to banks, lenders, and credit unions to automate underwriting, reduce manual errors, and ensure compliance with Fair Lending, ATR, and HMDA regulations while supporting self-employed borrowers, foreign nationals, and investment property loans.
Product overview
Digital Lending is a single-product company offering the Digital Lending Automated Underwriting System (AUS), an AI-powered underwriting platform built by Lender Price specifically for non-QM, non-agency, and portfolio lending. The core product combines natural language processing (NLP) and proprietary algorithms to automate loan decisioning. The platform provides configurable workflows, compliance automation (supporting Fair Lending, ATR, and HMDA requirements), and portfolio management capabilities. All features and solutions (Non-QM underwriting, portfolio lending, compliance tools) are integrated components within this unified AUS product rather than separate modules.
Differentiator
Problem solved
Functional benefit
Products and services
- Digital Lending Automated Underwriting System (AUS) Automated underwriting engine that uses natural language processing and proprietary algorithms to provide instant loan decisioning for banks, lenders, and credit unions. Supports non-QM underwriting for self-employed borrowers, foreign nationals, and investment property loans, and includes configurable workflows, portfolio lending support, and Fair Lending, ATR, and HMDA compliance automation.
Quantifiable outcome
- Reduce human error in manual underwriting process
- +2 more outcomes
Companies that use Digital Lending
Customer profileSegments3 records
Ideal customer profiles1 record
Digital Lending technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature6 records
Digital Lending partnerships and signals
Strategic signalRecent moves4 records
Expansion highlights2 records
Digital Lending competitors and assessment
Company assessmentBroad incumbents
- Mortgage Cadence: Mortgage Cadence provides an enterprise loan origination system with configurable workflows and underwriting automation for retail, wholesale, and correspondent channels. It competes broadly in the same digital underwriting space and offers non-QM workflow capabilities that overlap with Digital Lending's offering.
- Finastra: Finastra is a large financial technology vendor offering lending, mortgage, and core banking software, including solutions for loan origination and decisioning. It is a broad incumbent serving the same bank and credit union buyers as Digital Lending with overlapping capabilities.
- ICE Mortgage Technology (Encompass): ICE Mortgage Technology, the merged entity of Ellie Mae and InterContinental Exchange's mortgage assets, operates the dominant loan origination system (Encompass) used by the majority of US mortgage lenders. It integrates agency AUS (DU, LP) and serves as the platform layer against which Digital Lending's specialized non-QM AUS must compete or integrate.
- Black Knight: Black Knight (now part of ICE) provides a comprehensive suite of mortgage technology including the Empower LOS and origination analytics used by large lenders and servicers. It is a broad incumbent whose underwriting and workflow tooling overlap with Digital Lending's portfolio and non-agency use cases.
- nCino: nCino provides a cloud-based bank operating platform with automated underwriting, onboarding, and workflow automation for commercial and consumer lending. Its Mortgage Solution competes in the same lender-software category as Digital Lending, particularly for institutions modernizing underwriting processes.
Direct peers
- Blend: Blend is a digital lending platform that provides consumer-facing application journeys, verification, and underwriting automation for mortgages and other consumer loan products. It competes with Digital Lending for lender technology budgets on automated decisioning and workflow automation, though it serves a broader set of products including conforming mortgages.
- Roostify: Roostify provides a digital lending platform with point-of-sale, automated underwriting, and workflow tools for mortgage lenders. It directly competes with Digital Lending on automating mortgage underwriting and borrower workflows, particularly in the digital transformation of lending operations.
- LoanBeam: LoanBeam specializes in automated income calculation and verification for self-employed and non-QM borrowers, addressing a key upstream data need in the same niche Digital Lending serves. It is a directly comparable specialized vendor in the non-QM underwriting stack.
Emerging players
- SimpleNexus (nMLS): SimpleNexus provides a point-of-sale and digital mortgage platform focused on the home lending experience, with integrations to major LOS systems. It overlaps with Digital Lending at the workflow/decisioning layer and competes for lender technology investment, though it leans more toward borrower experience than underwriting depth.
Regional players
- Mortgage Builder (a Tyler Technologies company): Mortgage Builder, part of Tyler Technologies' Public Sector platform, provides a loan origination system used primarily by credit unions and community banks. It serves a similar buyer segment to Digital Lending (smaller institutions with portfolio and non-QM programs) and competes for the same underwriting automation budgets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Digital Lending social profiles
Digital presenceDigital Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Digital Lending leadership team
Management profileNumber of profiles
Digital Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Digital Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Digital Lending
What does Digital Lending do?
Digital Lending provides an automated underwriting engine (AUS) that uses natural language processing and proprietary algorithms to deliver instant loan decisioning for non-agency, non-QM, and portfolio lending. The platform is offered to banks, lenders, and credit unions to automate underwriting, reduce manual errors, and ensure compliance with Fair Lending, ATR, and HMDA regulations while supporting self-employed borrowers, foreign nationals, and investment property loans.
Is Digital Lending a public or private company?
Digital Lending is a private company. It is classified as corporate owned and is currently operating.
When was Digital Lending founded?
Digital Lending was founded in -1. It employs 1 to 10 people.
Where is Digital Lending based?
Digital Lending is headquartered in Pasadena, United States, in the North America region.
How does Digital Lending make money?
One revenue line is on record: AUS Software Licensing.
Who are Digital Lending's main competitors?
Broad incumbents on record are Mortgage Cadence, Finastra, ICE Mortgage Technology (Encompass), Black Knight and nCino. Direct peers are Blend, Roostify and LoanBeam. SimpleNexus (nMLS) is listed as an emerging player. Mortgage Builder (a Tyler Technologies company) is listed as a regional player.
Does Digital Lending have an API?
No public API is recorded for Digital Lending.
What industry is Digital Lending in?
Digital Lending's product category is Mortgage Underwriting Software. Its primary akta.pro industry code is FSALALAB, Automated Underwriting Systems (AUS) & Decisioning Engines, with a secondary code of FSAGAHAD, Underwriting Automation & Income/Employment Verification. Its NAICS code is 513210 and its SIC code is 7372.