Pre-Underwriting Review
Curvestone assesses case files against lender policy before they reach underwriting — reducing reversals, improving first-pass quality, and cutting decision time for broker and lender alike.
Pre-qualification queue
Collaborative Workflow Management
- 142 Today
- 88% Pre-qual pass
- 17 Returned
- 3.8m Avg time
Workflow details
| ID | Workflow | Client | Current Step | Days | Owner | Priority |
|---|---|---|---|---|---|---|
| WF-0891 | Mortgage · 5yr fix | J. Wilson | Income benchmark | 0 | Auto | Open |
| WF-0892 | BTL · specialist | A. Patel | LTI stress test | 1 | Auto | High |
| WF-0893 | Remortgage | C. Davis | Pre-qual pass | 0 | Auto | Closed |
| WF-0894 | Residential | S. Kim | Doc completeness | 0 | Auto | Host |
Capabilities
Catch issues before they cost everyone time.
Pre-submission screening
Curvestone reviews the case before it reaches the lender — catching affordability issues and policy breaches before they cause reversals.
Income benchmarking
Validates stated income against extracted document data and industry benchmarks for the role, flagging discrepancies before submission.
Affordability stress testing
Applies lender-specific stress rates and LTI caps to flag cases that will fail before they leave the broker's desk.
Supporting evidence check
Confirms all required documents are present and sufficient — so the file is complete before it leaves the broker.
Lender policy matching
Curvestone maintains lender criteria in-platform. Cases are pre-screened against the correct policy set for the target lender.
Decision rationale
Every pre-assessment includes structured reasons shared with the broker — enabling first-time fixes before resubmission.
Impact
“80% fewer reversals after we moved pre-qualification onto Curvestone. Brokers now know the answer before the lender does.”
- 10× Faster pre-qualification
- 80% Fewer post-submission reversals
- 99% Accuracy to lender criteria
How it works
Fixes surfaced at the broker, not the lender.
01
Case file submitted
Broker uploads documents via portal or API. Any format — PDFs, scanned payslips, bank statements, open banking feeds.
02
Policy pre-screening
Curvestone applies the target lender's criteria: income verification, stress testing, LTI caps, documentation requirements. Flags are surfaced with evidence.
03
Results back to broker
Pre-qualification result delivered with structured rationale. Issues flagged before the case reaches the lender's queue — saving everyone's time.
10× faster pre-qual. Fewer reversals.
See Pre-Underwriting Review applied to your case files in a 30-minute demo.