Automated Loan Structuring
autoBUILT helps lenders automatically find a deal structure that works within their lending guidelines.
autoBUILT evaluates lender-permitted adjustments to term, down payment, amount financed, payment, LTV, collateral value, yield, and other structural factors and determines whether they move the deal into an acceptable range.
The result: fewer manual rehashes, faster responses, and more opportunities to keep workable deals moving.
Turn Lending Guidelines Into Deal Structures
Every lender has rules around how a transaction should be structured. autoBUILT applies those rules automatically.
Find a Structure That Fits Lender Policy
A proposed deal may fall outside lender guidelines because of any of the structural factors autoBUILT can evaluate:
Where your lending policy permits an alternative, autoBUILT can help identify the structure that fits.
The lender defines the boundaries. autoBUILT works within them.
Why Choose autoBUILT?
From Submitted Deal to Structured Deal
autoBUILT evaluates the proposed transaction against your lending guidelines. When permitted, it adjusts applicable structural variables and recalculates the transaction to determine whether a structure can be found within your requirements.
If the deal still does not fit, it can continue through the lender's normal review or exception process.
autoBUILT + autoBOUGHT: Structure the Deal, Then Decide
autoBUILT structures the transaction. autoBOUGHT applies automated underwriting and decisioning.
Together, they create a more automated path from a dealer's proposed transaction to a lender-ready deal.
autoBUILT finds the structure.
autoBOUGHT evaluates the decision.
appTRAKER manages the loan.
Make More Deals Work
autoBUILT automates the repeated term, payment, down-payment and LTV calculations so underwriting staff can focus on exceptions and judgment.
Structure more deals.
Reduce manual rehashing.
Stay within your lending guidelines.
Frequently Asked Questions
What is autoBUILT?
autoBUILT is appTRAKER's automated loan-structuring capability. It evaluates a proposed transaction and determines whether lender-permitted structural changes can bring the deal within configured lending guidelines.
What can autoBUILT adjust?
Depending on lender configuration, autoBUILT can work with factors such as term, down payment, amount financed, payment, PTI, LTV, collateral value, sales price, yield, and other transaction requirements.
Can autoBUILT use different rules for different lending programs?
Yes. Structuring logic can be configured around the requirements, limits, and tolerances of individual lending programs.
Does autoBUILT replace an underwriter?
No. autoBUILT automates repeatable structuring logic. Transactions requiring judgment, exceptions, or manual review can remain with underwriting staff.
What is the difference between autoBUILT and autoBOUGHT?
autoBUILT structures the deal. autoBOUGHT makes the automated underwriting decision. The two can work together as part of a more automated lending workflow.
