The Overture Decision Network

The Overture Decision Network is the mortgage industry's first on-demand network of eligibility, automated underwriting and pricing decision content for lenders, conduits and correspondents.

Preparing and selling loans can be like shooting in the dark. Without the critical information of how investors make their decisions, lenders, conduits and correspondents are left to make assumptions or undergo the time-consuming process of locating and interpreting the information on their own. Likewise, investors who don't share their informational content not only encourage the receipt of inappropriate loans, but also shut themselves off to other potential sellers.

The Overture Decision Network resolves the shortage of accessible information by providing the industry's first on-demand network of eligibility, automated underwriting and pricing decision content for lenders, conduits, and correspondents. Because security is of the utmost importance, our method of distribution ensures that only authorized entities have access to the information.

Encoded, Tested and Certified Information

The Overture Decision Network saves lenders, conduits and correspondents the time and high costs of creating and maintaining content libraries of their own. Additionally, investors may distinguish themselves by offering certified, conditional approvals to lenders at the point of sale.

• Overture Investor Library: A library of encoded underwriting guidelines and pricing rate sheets is available only to customers having authorization to access the content.
• Investor Testing and Certification: Our investor clients who authorize syndication of their data also test, accept and certify all information as correct and accurate.

With the Overture Decision Network, users can access content at any time during the loan process. Lenders can quickly and easily align their loans according to specific investor guidelines at an earlier stage, thereby streamlining their processes and increasing the chances of first purchase success and investors can receive loans that have been underwritten accurately, which provides them with the assurance of quality that reduces their dependence on additional due diligence.

For more, please download the Overture Decision Network brochure here.