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Landing Page: /apply/abclending Widget: /widget/abclending Status: Draft

AI Design Assistant

Enter your website URL and AI will pull your branding, colors, and content to build your landing page. Or describe your business instead.

Branding

Set your company colors and logo.

Logo URL

Direct link to your logo image (PNG or SVG recommended).

Primary Color

Secondary Color

Background Color

Hero Section

The big headline and subheading visitors see first.

Heading

Subheading

CTA Button Text

Legal

Legal Company Name

Appears in the credit pull authorization language.

Custom Disclosure (optional)

Additional legal text shown below the consent checkboxes.

Page Settings

URL Slug

Page Title

Required Fields

These fields are always present and cannot be removed.

First name Required Always on

Last name Required Always on

Street address Required Always on

City Required Always on

State Required Always on

Zip Required Always on

AI Field Assistant

Tell the AI what you need in plain language. Example: "I'm a solar contractor" or "I need phone, email, income, and monthly electric bill" or "add a field for roof type"

You

                  Im a lender and i want on my for everything i need for residental loan f=refinances
                

AI Assistant

                  Great! For a residential refinance, I'll include everything you'd typically need — borrower info, current property/mortgage details, employment & income, financials, and consent fields.

Here's your full configuration:

```json
{
  "fields": [
    { "field_key": "phone", "label": "Phone Number (Mobile)", "field_type": "phone", "required": true, "position": 0 },
    { "field_key": "home_phone", "label": "Phone Number (Home)", "field_type": "phone", "required": false, "position": 1 },
    { "field_key": "work_phone", "label": "Phone Number (Work)", "field_type": "phone", "required": false, "position": 2 },
    { "field_key": "email", "label": "Email Address", "field_type": "email", "required": true, "position": 3 },
    { "field_key": "middle_name", "label": "Middle Name / Initial", "field_type": "text", "required": false, "position": 4 },
    { "field_key": "suffix", "label": "Suffix", "field_type": "select", "required": false, "position": 5, "options": { "choices": ["Jr", "Sr", "II", "III", "IV"] } },
    { "field_key": "dob", "label": "Date of Birth", "field_type": "date", "required": true, "position": 6 },
    { "field_key": "ssn_full", "label": "Social Security Number", "field_type": "ssn", "required": true, "position": 7 },
    { "field_key": "marital_status", "label": "Marital Status", "field_type": "select", "required": false, "position": 8, "options": { "choices": ["Single", "Married", "Separated", "Divorced", "Widowed"] } },
    { "field_key": "dependents", "label": "Number of Dependents", "field_type": "number", "required": false, "position": 9 },
    { "field_key": "citizenship", "label": "Citizenship Status", "field_type": "select", "required": true, "position": 10, "options": { "choices": ["U.S. Citizen", "Permanent Resident", "Non-Permanent Resident", "Non-Resident Alien"] } },
    { "field_key": "address_line2", "label": "Apt / Suite / Unit", "field_type": "text", "required": false, "position": 11 },
    { "field_key": "housing_status", "label": "Housing Status", "field_type": "select", "required": true, "position": 12, "options": { "choices": ["Own", "Rent", "Live with Family", "Other"] } },
    { "field_key": "years_at_address", "label": "Years at Current Address", "field_type": "number", "required": true, "position": 13 },
    { "field_key": "monthly_housing", "label": "Monthly Housing Payment", "field_type": "currency", "required": true, "position": 14 },
    { "field_key": "prev_address", "label": "Previous Street Address", "field_type": "text", "required": false, "position": 15 },
    { "field_key": "prev_city", "label": "Previous City", "field_type": "text", "required": false, "position": 16 },
    { "field_key": "prev_state", "label": "Previous State", "field_type": "select", "required": false, "position": 17, "options": { "choices": ["AL","AK","AZ","AR","CA","CO","CT","DE","FL","GA","HI","ID","IL","IN","IA","KS","KY","LA","ME","MD","MA","MI","MN","MS","MO","MT","NE","NV","NH","NJ","NM","NY","NC","ND","OH","OK","OR","PA","RI","SC","SD","TN","TX","UT","VT","VA","WA","WV","WI","WY","DC"] } },
    { "field_key": "prev_zip", "label": "Previous Zip", "field_type": "text", "required": false, "position": 18 },
    { "field_key": "years_at_prev", "label": "Years at Previous Address", "field_type": "number", "required": false, "position": 19 },
    { "field_key": "employment_status", "label": "Employment Status", "field_type": "select", "required": true, "position": 20, "options": { "choices": ["Employed Full-Time", "Employed Part-Time", "Self-Employed", "Retired", "Unemployed", "Other"] } },
    { "field_key": "employer", "label": "Employer Name", "field_type": "text", "required": false, "position": 21 },
    { "field_key": "employer_phone", "label": "Employer Phone", "field_type": "phone", "required": false, "position": 22 },
    { "field_key": "job_title", "label": "Job Title / Position", "field_type": "text", "required": false, "position": 23 },
    { "field_key": "years_employed", "label": "Years at Current Job", "field_type": "number", "required": false, "position": 24 },
    { "field_key": "income", "label": "Gross Annual Income", "field_type": "currency", "required": true, "position": 25 },
    { "field_key": "other_income", "label": "Other Income", "field_type": "currency", "required": false, "position": 26 },
    { "field_key": "other_income_source", "label": "Other Income Source", "field_type": "text", "required": false, "position": 27 },
    { "field_key": "prev_employer", "label": "Previous Employer", "field_type": "text", "required": false, "position": 28 },
    { "field_key": "prev_job_title", "label": "Previous Job Title", "field_type": "text", "required": false, "position": 29 },
    { "field_key": "prev_years_employed", "label": "Years at Previous Job", "field_type": "number", "required": false, "position": 30 },
    { "field_key": "property_address", "label": "Property Address", "field_type": "text", "required": true, "position": 31 },
    { "field_key": "property_city", "label": "Property City", "field_type": "text", "required": true, "position": 32 },
    { "field_key": "property_state", "label": "Property State", "field_type": "select", "required": true, "position": 33, "options": { "choices": ["AL","AK","AZ","AR","CA","CO","CT","DE","FL","GA","HI","ID","IL","IN","IA","KS","KY","LA","ME","MD","MA","MI","MN","MS","MO","MT","NE","NV","NH","NJ","NM","NY","NC","ND","OH","OK","OR","PA","RI","SC","SD","TN","TX","UT","VT","VA","WA","WV","WI","WY","DC"] } },
    { "field_key": "property_zip", "label": "Property Zip", "field_type": "text", "required": true, "position": 34 },
    { "field_key": "property_county", "label": "Property County", "field_type": "text", "required": false, "position": 35 },
    { "field_key": "property_type", "label": "Property Type", "field_type": "select", "required": true, "position": 36, "options": { "choices": ["Single Family", "Condo", "Townhouse", "2-4 Unit", "Manufactured Home", "Other"] } },
    { "field_key": "property_value", "label": "Estimated Property Value", "field_type": "currency", "required": true, "position": 37 },
    { "field_key": "occupancy_type", "label": "Occupancy Type", "field_type": "select", "required": true, "position": 38, "options": { "choices": ["Primary Residence", "Secondary Home", "Investment Property"] } },
    { "field_key": "year_built", "label": "Year Built", "field_type": "number", "required": false, "position": 39 },
    { "field_key": "num_units", "label": "Number of Units", "field_type": "select", "required": false, "position": 40, "options": { "choices": ["1", "2", "3", "4"] } },
    { "field_key": "mortgage_balance", "label": "Current Mortgage Balance", "field_type": "currency", "required": true, "position": 41 },
    { "field_key": "mortgage_payment", "label": "Current Monthly Mortgage Payment", "field_type": "currency", "required": true, "position": 42 },
    { "field_key": "mortgage_rate", "label": "Current Interest Rate", "field_type": "number", "required": false, "position": 43 },
    { "field_key": "loan_type", "label": "Loan Type", "field_type": "select", "required": false, "position": 44, "options": { "choices": ["Conventional", "FHA", "VA", "USDA", "Jumbo", "Other"] } },
    { "field_key": "loan_amount", "label": "Desired Loan Amount", "field_type": "currency", "required": false, "position": 45 },
    { "field_key": "loan_purpose", "label": "Refinance Purpose", "field_type": "select", "required": true, "position": 46, "options": { "choices": ["Rate & Term Refinance", "Cash-Out Refinance", "Streamline Refinance", "Debt Consolidation"] } },
    { "field_key": "loan_term", "label": "Desired Loan Term", "field_type": "select", "required": false, "position": 47, "options": { "choices": ["10 Years", "15 Years", "20 Years", "25 Years", "30 Years"] } },
    { "field_key": "rate_type", "label": "Rate Type Preference", "field_type": "select", "required": false, "position": 48, "options": { "choices": ["Fixed", "Adjustable (ARM)", "No Preference"] } },
    { "field_key": "va_eligible", "label": "VA Eligible?", "field_type": "checkbox", "required": false, "position": 49 },
    { "field_key": "total_assets", "label": "Total Assets", "field_type": "currency", "required": false, "position": 50 },
    { "field_key": "total_debt", "label": "Total Outstanding Debt", "field_type": "currency", "required": false, "position": 51 },
    { "field_key": "monthly_debt", "label": "Total Monthly Debt Payments", "field_type": "currency", "required": false, "position": 52 },
    { "field_key": "checking_account", "label": "Checking Account?", "field_type": "checkbox", "required": false, "position": 53 },
    { "field_key": "savings_account", "label": "Savings Account?", "field_type": "checkbox", "required": false, "position": 54 },
    { "field_key": "bankruptcy_history", "label": "Prior Bankruptcy?", "field_type": "checkbox", "required": false, "position": 55 },
    { "field
                

Active Fields (2)

Phone Number phone Optional phone

Email Address email Optional email

Credit Intelligence

Configure how credit pull results are evaluated and displayed to applicants.

Enable Credit Intelligence

When disabled, all applicants see the same default message.

Default Result Heading

Default Result Body

On No-Hit, Ask For:

AI Decisioning Assistant

Tell the AI what matters to you when evaluating an applicant. It will build your qualification tiers from the full credit report — score, collections, bankruptcies, inquiries, delinquencies, anything.

You

                    they need a 680, and have no mortgage late payments, and have no inquies in teh last 6 months
                  

AI Assistant

                    Great, that's a solid foundation. A couple of quick questions:

1. **What bureau and score model** do you want to use? (e.g., TransUnion FICO 8, Experian FICO 8, etc.)
2. **How many tiers** are you thinking? Just an approve/decline, or do you want multiple approval tiers (e.g., Premium, Standard, Decline)?
                  

You

                    transunion, 2 tiers
                  

AI Assistant

                    Got it! One last thing — for the **two tiers**, what separates them? For example:

- **Tier 1 (best):** 720+ score, **Tier 2 (standard):** 680–719?

Or do you have different criteria in mind for the second tier?

You

                    ye more than 580
                  

AI Assistant

                    Got it! So:

- **Tier 1 (Premium):** 720+
- **Tier 2 (Standard):** 680–719
- **Tier 3 (Decline):** Below 680

Both approval tiers require no mortgage late payments and no inquiries in the last 6 months. Let me build this out now.

[Tier configuration updated]

A few things to note:
- The **mortgage late payment** rule checks for any 30-day+ delinquency on mortgage trade lines — let me know if you want to tighten that to 60 or 90-day lates only.
- The **6-month inquiry** window uses a date comparison — want to cap the number of inquiries allowed, or is **zero** the hard rule?

Would you like to adjust anything?
                  

Current Decisioning Logic

Applications are pulled from TransUnion using FICO 8. Applicants with a score of 720 or higher, no late payments on any mortgage trade line, and no inquiries in the past 6 months qualify for the Premium tier. Applicants scoring between 680 and 719 who meet the same mortgage and inquiry requirements qualify for the Standard tier. Any applicant scoring below 680, or who has mortgage late payments or recent inquiries, is declined.

Active Tiers (3)

Premium — TU (Waterfall #1)

Score: 720–850 + 3 rule(s)

Congratulations! You Pre-Qualify

Great news! Based on your credit profile, you qualify for our best available terms. A member of our team will be in touch shortly to walk you through your options.

Standard — TU (Waterfall #1)

Score: 680–719 + 4 rule(s)

You Pre-Qualify!

Good news! You meet our pre-qualification criteria. One of our team members will reach out soon to discuss your options.

Decline — TU (Waterfall #1)

Score: 300–679 + 1 rule(s)

Thank You for Your Application

Unfortunately, we are unable to pre-qualify you at this time based on your current credit profile. We encourage you to apply again in the future.

Widget Appearance

Customize how the embeddable widget looks when placed on a client's website.

Widget Heading

Widget Primary Color

Widget Background Color

Widget Logo URL (optional, defaults to landing page logo)

Landing Page URL

Share this link directly — send it in emails, ads, or social media.

          http://product.isoftpull.dev/apply/abclending
        

Widget Embed Code

Copy and paste this into your website's HTML to embed the credit application form.

          <iframe src="http://product.isoftpull.dev/widget/abclending" width="100%" height="700" frameborder="0" style="border: none; max-width: 480px;"></iframe>
        

Get Prequalified Now

AI Design Assistant

Building Your Landing Page

Branding

Hero Section

Legal

Page Settings

Required Fields

AI Field Assistant

Active Fields (2)

Credit Intelligence

AI Decisioning Assistant

Current Decisioning Logic

Active Tiers (3)

Premium — TU (Waterfall #1)

Standard — TU (Waterfall #1)

Decline — TU (Waterfall #1)

Widget Appearance

Landing Page URL

Widget Embed Code