Software
HL Hunt — AI Underwriting
AI-Powered Decisioning

AI
Underwriting.

by HL Hunt — Instant credit decisions for every lender

Approve more customers, faster. Our AI analyzes 1,000+ data points in milliseconds to deliver instant credit decisions with lower default rates than traditional models.

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Trusted by lenders — banks, fintechs, and dealers
247ms
Decision time
Approved ✓
Just now
HL Hunt Underwriting
DecisionHistory
JM
James Mitchell
Personal Loan · $15,000 · 36 months
Approved
784
Hunt Score
Payment history
92
Income stability
87
Debt-to-income
78
Cash flow
71
Decision Summary
Risk tierLow Risk
Suggested APR8.49%
Max approved$18,500
Decision time247ms
Decision✓ Auto-Approved
1,000+ data signals
Sub-250ms decisions
34% more approvals
50%+ lower defaults
Fair lending compliant
White-label ready
REST API
1,000+ data signals
Sub-250ms decisions
34% more approvals
50%+ lower defaults
Fair lending compliant
White-label ready
REST API

Smarter decisions, better outcomes

AI that learns from millions of data points to approve more customers while keeping risk lower

247ms
Avg Decision Time
1,000+
Data Signals Analyzed
34%
More Approvals
50%
Lower Default Rates
Platform

AI underwriting, end to end

From application intake to credit decision to ongoing portfolio monitoring — one platform for the entire lending lifecycle

Decision Engine

Instant AI credit decisions in under 250ms

Our models analyze 1,000+ traditional and alternative data signals — payment behavior, cash flow, income stability, employment, and more — to return an approve/decline instantly.

Traditional bureau data + alternative signals
FICO, VantageScore, bank transactions, rent payments, utility history
Approve thin-file and no-file applicants
AI finds creditworthy borrowers that traditional bureau models miss entirely
Sub-250ms response via REST API
Real-time decisioning at point of sale, checkout, or application
Configurable decision waterfall
Auto-approve, conditional, refer-to-manual — your rules, our engine
Models

Custom risk models

Build and deploy scoring models tuned to your portfolio, risk appetite, and borrower segments

Configurable approval rules
Set thresholds by product type
A/B test models in production
Champion/challenger testing
Self-learning — improves over time
Retrains on your outcomes data
Compliance

Fair lending & compliance

Built-in adverse action notices, ECOA/FCRA compliance, and disparate impact testing baked into every decision

Auto adverse action reasons
Compliant notices generated instantly
ECOA & FCRA compliant
Regulation-ready out of the box
Disparate impact monitoring
Continuous bias detection
Fraud

Fraud detection layer

Identity verification, synthetic ID detection, and income fraud analysis — built into every decision pipeline

99.7%
Fraud caught before approval
Analytics

Portfolio analytics & monitoring

Real-time dashboards showing approval rates, default predictions, model drift, segment performance, and full audit trails for every decision made.

Real-time decision analytics dashboard
Approval rates, volume, and trends at a glance
Model performance & drift tracking
Know when models need retraining before defaults rise
Export reports & complete audit trails
Examiner-ready documentation for every decision
Developers

API-first architecture

Clean REST API with SDKs for every stack. Integrate in an afternoon, not a quarter.

3
Lines of code to integrate
White-Label

White-label — your brand, our AI

Embed HL Hunt directly into your lending platform, POS system, or customer portal. Your borrowers never see us. Supports embeddable widgets, headless API, and multi-tenant configurations.

Embeddable decisioning widget
Drop into any web or mobile app with a single script tag
Full REST API for headless integration
JSON in, decision out — integrate in an afternoon
Multi-tenant support
Run different models for different products, channels, or partners
Coverage

Everything we underwrite

From BNPL to life insurance to gig-worker onboarding — if you extend credit, coverage, or access, we underwrite it. 55+ products across individuals and businesses.

Loans & Credit5
Buy Now, Pay Later
BNPL installment approvals
Credit Builder
Credit builder loan programs
Credit Lines
Personal revolving credit lines
Installment Plans
Fixed-term installment financing
Personal Loans
Unsecured personal loan underwriting
Auto3
Auto Insurance
Auto insurance risk scoring
Auto Leases
Vehicle lease approvals
Auto Loans
Vehicle purchase financing
Housing3
Rent Approvals
Tenant screening and approval
Rent Reporting Eligibility
Rent-to-credit reporting qualification
Security Deposit Alternatives
Deposit replacement eligibility
Specialty Finance6
Education Financing
Tuition and education loans
Furniture & Appliance
In-store financing approvals
Home Improvement
Renovation and improvement loans
Medical Financing
Healthcare payment plans
Travel Financing
Travel-now-pay-later programs
Utilities & Phone
Utility and phone plan approvals
Insurance4
Device & Electronics
Device protection underwriting
Disability Insurance
Disability coverage underwriting
Health Risk Scoring
Health insurance risk profiles
Life Insurance
Life insurance risk assessment
Employment & Income5
Contractor Approvals
Independent contractor vetting
Earned Wage Access
Early wage access eligibility
Employment Eligibility
Employment verification checks
Gig-Worker Onboarding
Gig economy worker qualification
Subscription Credit
Subscription-based credit access
Lending & Credit8
Business Credit Lines
Revolving business credit
Equipment Financing
Heavy equipment and asset loans
Franchise Financing
Franchise acquisition funding
Invoice Factoring
AR-based invoice financing
PO Financing
Purchase order financing
Revenue-Based Financing
Revenue-backed capital
Startup Funding
Early-stage capital underwriting
Term Loans
Fixed-term business loans
Payments & Commerce7
Chargeback & Fraud
Fraud and chargeback risk analysis
Merchant Accounts
Merchant account approvals
Payment Processing Risk
Payment processor risk scoring
Subscription Billing
Recurring billing risk assessment
Trade Credit
B2B trade credit lines
Vendor & Supplier Credit
Vendor credit approvals
Wholesale & Inventory
Inventory financing
Banking1
Business Bank Account
Business account approval screening
Insurance7
Commercial Auto
Fleet and commercial vehicle coverage
Commercial Property
Property insurance underwriting
Cyber Insurance
Cybersecurity risk underwriting
General Liability
GL insurance underwriting
Product Liability
Product liability coverage
Professional E&O
Errors & omissions coverage
Workers' Comp
Workers compensation coverage
Industry-Specific7
Construction
Construction industry underwriting
E-Commerce
Online business underwriting
Healthcare
Healthcare practice financing
Logistics & Trucking
Freight and logistics financing
Real Estate
Real estate investment underwriting
Restaurant & Hospitality
Hospitality industry financing
SaaS
SaaS business underwriting
Don't see your product? Build it. Custom AI Underwriting
Describe any credit, coverage, or eligibility product and our AI generates the entire underwriting flow — the application form, required documents, verification steps, risk model, and decision logic — ready to deploy in minutes.
AI-generated application forms
Auto document & verification requests
Custom risk model & decision logic
Built For

Every type of lender

HL Hunt powers credit decisions for banks, fintechs, auto dealers, and any business that extends credit

Banks & Credit Unions
Modernize underwriting without replacing core systems. API plugs into your existing LOS.
Enterprise
Online Lenders
Instant decisions at point of application. Approve more borrowers with lower defaults.
High volume
Auto Dealers & Finance
F&I desk decisions in seconds. Approve buyers traditional FICO misses.
BNPL & Fintech
Embed instant credit at checkout. White-label decisioning for your payment flow.
Embedded
SaaS & Platforms
Add lending as a feature. Offer credit products to your users via API.
Mortgage Lenders
Pre-qualification in seconds. AI income and asset verification built in.
Equipment Financing
Underwrite commercial equipment loans with business cash flow intelligence.
Small Business Lenders
Assess business credit risk with AI that understands revenue, seasonality, and cash flow.
SMB
Why HL Hunt

AI vs traditional underwriting

See how HL Hunt compares to legacy credit scoring and manual underwriting

Capability
HL HuntAI
FICO / Bureau
Manual UW
Decision speed<250msInstantScore only, no decision24-72 hours
Data signals1,000+Bureau + alternative~50Bureau onlyVariesAnalyst-dependent
Thin-file applicantsAlt data fills gapsNo bureau = no scoreCase-by-case
Fraud detectionBuilt into decisionSeparate process
Fair lendingAuto adverse actionManual review
White-labelN/A
Self-improvingRetrains on outcomes
← Swipe to compare →
Ready to upgrade your underwriting? →

Simple, scalable pricing

A flat monthly platform fee plus a per-assignment rate that drops as you scale. No long-term commitments.

Starter
$495/mo
+ $2.50 per underwriting assignment
For small lenders & dealers getting started with AI underwriting
What's included
  • Up to 100 underwriting assignments / mo
  • Individual applicant underwriting
  • Credit score pull (soft + hard)
  • Plaid bank verification
  • Basic reporting
  • Standard API access (1,000 calls/mo)
  • 1 team member
  • Email support
  • Business underwriting
  • Background checks
  • Custom risk models
  • Dedicated account manager
  • Webhook events
Get Started
Most Popular
Professional
$1,495/mo
+ $1.75 per underwriting assignment
For growing lenders who need the full underwriting suite
What's included
  • Up to 1,000 underwriting assignments / mo
  • Individual + Business underwriting
  • Credit score pull (all 3 bureaus)
  • Plaid bank verification + transaction analysis
  • Background checks (identity, criminal, civil)
  • AI risk scoring + decision engine
  • Custom risk models
  • Portfolio & repayment tracking
  • Collections dashboard
  • White-label application links
  • Advanced reporting + analytics
  • Full API access (25,000 calls/mo)
  • Webhook events
  • Up to 5 team members
  • Dedicated account manager
  • Priority email + chat support
Get Started
Enterprise
$4,995/mo
+ $0.95 per underwriting assignment
For large-scale lenders, dealers & financial institutions
What's included
  • Unlimited underwriting assignments
  • Individual + Business underwriting (all 55+ products)
  • Credit pull (all 3 bureaus + D&B for business)
  • Plaid verification + full cash flow analysis
  • Background checks (identity, criminal, civil, liens, judgments)
  • AI risk scoring + custom decision engine
  • Custom risk models (train on your portfolio data)
  • Portfolio & repayment tracking
  • Collections dashboard + automated workflows
  • Full analytics + compliance reporting
  • Unlimited API access
  • Webhook events + real-time streaming
  • White-label application links
  • SOC 2 compliance reports
  • SSO / SAML authentication
  • Unlimited team members
  • Dedicated account manager
  • 24/7 phone, email + chat support
Get Started

Start making smarter credit decisions

See how HL Hunt can increase your approval rates while lowering defaults. Free sandbox access — no commitment.

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