The qardon.com AI Application Judge handles the bulk of standard cases. Specialty cases — unusual credit profiles, complex income verification, self-employed scenarios, multi-borrower arrangements, jumbo and commercial — get routed to human underwriters. You set your terms (flat or hourly per case); we deliver the case load.
Independent or W-2 — choose your case load from the queue. Flat or hourly per case. Free to use.
Optional, but it helps our partnerships team route the right cases to you.
More states open later. We have no date to give you.
From your dashboard, declare how many specialty cases you can take this week. Filter by case type (self-employed, jumbo, commercial, multi-borrower, etc.). Adjust at any time.
The AI Application Judge tags cases above its confidence threshold as specialty and routes them to underwriters with matching expertise. Standard cases never reach you — only the judgment calls.
Every case arrives with the applicant’s intake documentation and whatever he submitted, in one transaction room, so you are not chasing paper. What will not be waiting for you is a KYC result or a credit pull: neither is run by this platform, and the case is yours to underwrite from the documents.
Approve, decline with reasons, or request additional documentation. Adverse-action notices auto-generated with proper FCRA decline-reason codes. Decisions logged for audit.
Decisions issued, turnaround time, downstream outcomes — all visible in your dashboard. Higher performance leads to higher case-load routing priority.
Your declared rate per case (flat or hourly), agreed with the organisation that hires you. Your own ledger, updated as you record cases.
You set your flat rate per case or your hourly rate, shown at routing.
Account creation is at the top of this page — no long form, just the essentials. Every role is free at the start.