JAUST™, an automated underwriting system purpose-built for jumbo mortgage originations, has officially launched, offering lenders an unprecedented level of precision, efficiency, and cost-effectiveness. This state-of-the-art system empowers lenders to confidently navigate the complexities of jumbo loans while delivering borrowers faster final decisions.
“The mortgage industry has been stuck with legacy systems and manual workarounds for too long,” said Michael Hurley, Founder and Product Owner of JAUST™. “JAUST was built from the ground up to eliminate bottlenecks and bring intelligent automation to segments of lending that have been left behind.”
Underwriting, Reimagined
At its core, JAUST is a cloud-native underwriting engine that classifies and extracts data from over 50 document types and applies a lender’s full credit, eligibility, and documentation guidelines in real time. The platform returns structured, auditable recommendations designed to reduce human error, shorten cycle times, and improve pull-through.
Built for the use of portfolio lenders or mortgage banks with dozens of investors, JAUST enables faster decisions, lower origination costs, and more transparent credit decisions.
Modular Power, Enterprise Scale
The platform is composed of modular components that can operate independently or together:
- JAUST™ Core – The platform’s automated underwriting system powered by intelligent data extraction, rules-based evaluation, and real-time decisioning.
- Program Advisor – A dynamic program & pricing engine that scans hundreds of investor guidelines to return the best possible execution.
- Credit Advisor – Applies configurable credit guidelines against tri-merge reports to generate automated accept, review, or escalate outcomes.
- Shield – JAUST’s internal rules module, managing 1,000+ guideline parameters across each lender and investor overlays.
Secure, Scalable, Ready Now
JAUST is delivered as a secure SaaS platform built on Microsoft Azure, with anonymized processing and audit logging. It can integrate easily with existing LOS environments, but does not require any integration, so there is minimal IT lift for implementation. Most lenders can be up and running in weeks, not years.
Why JAUST Matters Now
With the cost to originate a mortgage at historic highs and investor guidelines becoming more dynamic than ever, the need for flexible, lender-aligned automation is urgent. JAUST was purpose-built for this inflection point.
“We’re here to bring intelligence and speed to underwriting—not by replacing the underwriter, but by augmenting what they do best with tools that are smarter, faster, and built for scale,” added Hurley.
