# 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.