Products/underwriting

Underwriting

Every applicant is already a customer of someone — a realtor, a property manager, a mortgage agent, a platform. That relationship is the most valuable underwriting signal in the system, and the old stack ignores it. Cove puts the decision back where it belongs — with the broker, not the bureau downstream.

Cove report
ID 4F2A · Today
Applicant
Maya Hassan
Identity
Credit
Income
Employment
Banking

How it works

One link, sent from your product. The applicant verifies identity, connects their bank, and authorizes a credit pull. Cove composes everything into a single report — your name on the front, your rules deciding the outcome. No third-party screen the customer has to detour through. No white-label sticker over someone else's flow.

The decision is yours

Underwriting logic in plain language. Auto-approve, decline, or route to manual review using the same data you used to send out to specialists. The operator who actually knows the customer is finally the one whose judgment ends up in the data.

Built in days

What used to take a year of vendor contracts, integrations, and compliance now ships in a week. Property managers, brokerages, credit unions, and small lenders use the same Cove primitives — composed for their relationships, not someone else's.