Digital Lending

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.

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

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

• Automated underwriting software
• Non-QM lending
• Mortgage underwriting engine
• Portfolio loan management
• Regulatory compliance automation

Headquarters

HQ city

Pasadena

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core 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

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature6 records

Recent moves4 records

Expansion highlights2 records

Broad 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

• Xtwitter.com/lenderprice
• Facebookfacebook.com/lenderprice
• LinkedInlinkedin.com/company/digital-lending

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Digital Lending