--- title: "OmniaIQ for Mortgage Lenders — Pre-Underwrite Every Lead" description: "Pre-underwrite every mortgage lead before your LO picks up the phone. Soft pull, no SSN, program-matched offers — stop quoting borrowers who will never close." lang: en json-ld: | [ { "@context": "https://schema.org", "@graph": [ { "@type": "Organization", "@id": "https://omniaiq.ai/#organization", "name": "OmniaIQ", "url": "https://omniaiq.ai", "logo": "https://omniaiq.ai/favicon.ico", "sameAs": [] }, { "@type": "WebSite", "@id": "https://omniaiq.ai/#website", "url": "https://omniaiq.ai", "name": "OmniaIQ", "publisher": { "@id": "https://omniaiq.ai/#organization" } } ] }, { "@context": "https://schema.org", "@type": "Service", "name": "OmniaIQ for Mortgage Lenders", "description": "Pre-underwrite every mortgage lead before the LO picks up the phone. Soft pull, no SSN, program-matched offers in real time.", "url": "https://omniaiq.ai/mortgage-lenders", "provider": { "@id": "https://omniaiq.ai/#organization" }, "serviceType": "Mortgage Pre-Qualification", "areaServed": "US" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Does this affect the borrower's credit score?", "acceptedAnswer": { "@type": "Answer", "text": "No. OmniaIQ uses a soft credit pull only. It does not appear on the borrower's credit report and does not impact their score in any way." } }, { "@type": "Question", "name": "Do I need to replace my existing LOS or CRM?", "acceptedAnswer": { "@type": "Answer", "text": "No. OmniaIQ integrates into your existing workflow via API or webhook. Nothing gets replaced. Nothing gets disrupted." } }, { "@type": "Question", "name": "How fast are results returned?", "acceptedAnswer": { "@type": "Answer", "text": "Real time. Pre-underwriting results come back within seconds of submission." } }, { "@type": "Question", "name": "What information do I need to run a pre-screen?", "acceptedAnswer": { "@type": "Answer", "text": "Just a name, phone number, and email address. No SSN. No 1003. No application." } }, { "@type": "Question", "name": "What loan programs does OmniaIQ match against?", "acceptedAnswer": { "@type": "Answer", "text": "Refinance Rate/Term, Refinance Cash-Out, VA Purchase, FHA, Conventional (Fannie & Freddie), and HELOC. Every qualified file returns matched offers with loan amount, max LTV, rate, and estimated payment." } }, { "@type": "Question", "name": "What's included in every pre-screen?", "acceptedAnswer": { "@type": "Answer", "text": "Qualified or DNQ status, mid-score, DTI, income, monthly obligations, property data with current value and LTV, equity position, program-matched offers, and a full downloadable credit report at no additional cost." } } ] } ] --- [![OmniaIQ](/__l5e/assets-v1/152fdd9e-99a7-4ee5-90f9-623667af6e90/omnia-logo.png)](/) Product Solutions [Pricing](/pricing) [Login](https://app.omniaiq.ai)[Get Started](/pricing) For Mortgage Lenders & Brokers # Your LOs Are Quoting Borrowers Who Will Never Close. OmniaIQ pre-screens every mortgage lead before your loan officer picks up the phone — with just a name, phone, and email. Skip the $30+ tri-merge until you know they qualify. [Schedule Demo ](/schedule-call)[Get Started ](/pricing) Soft pull only No SSN Zero score impact 4.9 · 240+ teams The Solution ## OmniaIQ Is a Pre-Underwriting Layer for Your Mortgage Funnel. Before your LO touches a file, OmniaIQ runs a soft credit pre-screen using just the borrower's name, phone, and email. **No hard** inquiry. **No SSN** required. No 1003 to fill out. Within seconds, you know exactly which borrowers fit which loan program — Conventional, FHA, VA, Refi Rate/Term, Cash-Out, HELOC — and which files should never reach your pipeline. Qualified or DNQ in seconds No SSN required Soft pull only [Schedule Demo ](/schedule-call)[Get Started ](/pricing) 1.8s ### Financial qualification before the call Name Captured Phone Captured Email Captured Synced Leads Rules Routes Files Qualified 35 Review 12 DNQ 53 Marcus Reyes Qualified Route Amelia Kelley Qualified Route Rosa Palmer DNQ Nurture Jordan Miles Qualified Route THE VERDICT ## Hard data. Instant verdicts. Turn raw borrower intent into actionable borrower intelligence. Every borrower lead is qualified and mapped to eligible programs. Soft-pull mid-mortgage score + full tradelines DTI, LTV, and current payment thresholds Program eligibility across Refi · Cash-Out · VA · FHA · Conventional · HELOC DNQ reasoning surfaced for credit-repair handoff Complete with full credit report ![Family holding keys in front of their new home](/assets/verdict-mortgage-DGc22e0e.jpg) Qualified MF Morgan Family Primary residence Mid-Score 742 DTI 22% Equity $378k Identity Verified Income Verified Assets Verified Soft-Pull Credit Offer ready FHA $757k Conventional $789k Re-Finance $285k [Schedule Demo ](/schedule-call)[Get Started ](/pricing) How It Works ## Three Steps. Real Time. No Interruptions. 1 ### Connect in Minutes Plug OmniaIQ into your existing LOS, CRM, or lead source via a simple integration. Nothing in your current workflow changes. Your LOs keep working where they already work. No workflow change Plug & play Live in minutes Integration Active Lead Source OmniaIQ CRM Leads flow in automatically. No workflow change. 2 ### Every Lead Gets Pre-Underwritten Instantly Every borrower is run through OmniaIQ's decision engine automatically. Soft pull. Real-time result. No SSN. No 1003. No friction on the borrower's end. Soft pull Real-time No SSN required Pre-underwriting Live JD Jordan Davis Soft pull · No SSN Qualified FICO 742 DTI 31% LTV 72% Verdict returned in under a second. 3 ### Your LOs Quote Qualified Files Only Qualified borrowers arrive with mid-score, DTI, income, equity, LTV, and program-matched offers already attached. Your LOs know who to call, what program to pitch, and what payment to quote before they dial. Qualified only Routed cleanly Ready to quote Qualified queue Ready Jordan Davis Conventional · 6.375% Qualified Alex Morgan DNQ — filtered out LOs see only files worth dialing. [Schedule Demo ](/schedule-call) What's Inside Every Pre-Underwrite ## Everything an LO Needs to Quote With Confidence. Included in Every Run. OmniaIQ delivers a full mortgage profile, property data, and program-matched offers for every lead — before the first call. ### Every borrower is screened against every mortgage program simultaneously. Submit a name, phone, and email. OmniaIQ s algorithm instantly pulls credit, matches property, and returns a qualified or DNQ result for each loan program with loan amount, LTV, rate, and payment. Not just an overall score. A per-program decision. Name, phone, and email only. No SSN required. Program-matched offers with rate, LTV, and payment Full Credit Report Included [Schedule Demo ](/schedule-call)[Get Started ](/pricing) Qualified #### Refi Rate/Term Amount Up to $158K Qualified #### Cash-Out Refi Amount Up to $147K Qualified #### VA Purchase Amount $177K · 100% LTV Qualified #### Fannie / Freddie Amount Up to $225K Get Started ## Start Quoting Borrowers Who Actually Close. Schedule a free demo. We'll show you exactly where your pipeline is bleeding, and what your pull-through looks like when unqualified borrowers stop reaching your LOs. [Schedule Demo ](/schedule-call)[Get Started ](/pricing) ![OmniaIQ](/__l5e/assets-v1/5344b935-33db-4f6d-9634-494f52094646/omnia-logo-dark.png) The real-time credit intelligence layer for lenders, brokers, and lead providers. [support@omniaiq.ai](mailto:support@omniaiq.ai) #### Product - [Real-Time Qualification](/) - [Program Matching](/) - [Integrations](/integrations) - [Comparisons](/compare) #### Solutions - [SMB Lenders](/smb-lenders) - [SMB Lead Providers](/smb-lead-providers) - [Mortgage Lenders](/mortgage-lenders) - [Mortgage Lead Providers](/mortgage-lead-providers) #### Company - [Resources](/resources) - [Guides](/guides) - [Playbooks](/playbooks/smb-lender-lead-pre-qualification) - [Tools](/tools/cost-per-funded-loan-calculator) - [Blog](/blog) - [Research](/research) - [Glossary](/glossary) - [FAQ](/faq) - [Press](/press) - [Contact](/schedule-call) #### Legal - [Privacy](/privacy) - [Terms](/terms) - [Compliance](/terms) - [Security](/privacy) © 2026 Omnia Intelligence Group. All rights reserved. Web Design By [Thrive Media](https://thrivemedia.co) OmniaIQ pre-qualifications are soft credit pulls only. They do not impact the applicant's credit score and are not visible on their credit report.