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

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

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

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 detection layer

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

99.7%
Fraud caught before approval

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

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 — 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
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
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Ready to upgrade your underwriting? →

Usage-based pricing

Pay per decision. No minimums, no commitments. Scale up or down anytime.

Starter
$0.50/decision
up to 5,000/month
Perfect for Small Lenders
  • Full AI decisioning
  • Bureau + alt data
  • Adverse action notices
  • Dashboard & analytics
  • Email support
Get Started
Most Popular
Growth
$0.25/decision
5,000 – 50,000/month
Perfect for Scaling Lenders
  • Everything in Starter
  • Custom risk models
  • White-label
  • Fraud detection layer
  • Priority support
Get Started
Enterprise
Custom
50,000+ decisions/month
Perfect for Banks & Large Lenders
  • Everything in Growth
  • Dedicated model tuning
  • SLA & uptime guarantee
  • On-prem deployment
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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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