Know what you qualify for before you apply.
AVOID the mortgage application black hole Speedbank analyzes your income, debt, down-payment, and credit to pre-qualify and route you to lenders that fit your unique profile.
Mortgage shopping is slow, confusing, and not tailored to your unique profile
Most borrowers do not know whether they fit Conventional, FHA, VA, Jumbo, Non-QM, or portfolio loan paths until after they have already wasted time applying to several lenders and needlessly hurting their credit.
Borrowers often wait days for basic guidance on affordability, loan options, and next steps.
Generic lead forms send customers to lenders before understanding which lender actually fits the borrower.
Credit, income type, DTI, reserves, and documentation issues can derail an application late in the process.
A 5-minute path from uncertainty to credible mortgage options.
Speedbank collects all the key data lenders need, analyzes your mortgage fit, and our AI rules engine recommends the most relevant lending path.
Tell us your goal
Enter your purchase price, location, down payment, property type, and homebuying timeline.
Add your finances
Share income, debts, estimated credit score, assets, and cash available for closing.
Upload documents
Add paystubs, W-2s, tax returns, bank statements, or ID when you want a stronger match.
Get matched
See likely loan paths and connect with a lender or broker suited to your borrower profile.
More than a mortgage calculator.
A calculator only gives you a payment estimate. Speedbank can help determine what mortgage path is suitable and which lender is most likely to approve.
Affordability analysis
Estimate your target home price, monthly payment, debt-to-income ratio, cash to close, and reserve position.
Loan-path comparison
Compare likely fits across conventional, FHA, VA, jumbo, portfolio, Non-QM, DSCR, and bank-statement paths.
Document readiness
Know which documents are likely needed before you speak with a lender, reducing back-and-forth later.
Lender routing
Route your profile to lenders or brokers that are more likely to understand your income, credit, and loan scenario.
Audit / Risk flags
Identify likely issues like high DTI, low reserves, thin documentation, jumbo constraints, or complex income before applying.
Clear next step
Get a practical recommendation: proceed, improve your profile, adjust budget, upload docs, or speak with a matched expert.
Built for borrowers who need a smarter answer than “apply and wait endlessly.”
Speedbank is especially useful when your credit profile needs more intelligent and thoughtful routing than a generic rate-quote form. Our AI rules engine is trained on complex mortgage scenarios.
First-time homebuyers
Understand what you can afford, how much cash you need, and which loan paths may fit before you start touring homes.
Self-employed and 1099 borrowers
See whether your documentation points toward conventional, bank-statement, Non-QM, or other flexible lending paths.
High-income, high-DTI borrowers
Evaluate scenarios where income looks strong but monthly obligations, property taxes, or reserves create qualification pressure.
Jumbo and high-cost market buyers
Get a clearer view of reserve expectations, down-payment requirements, and possible conventional or jumbo alternatives.
Designed to be fast, transparent, and practical.
Speedbank gives you a qualification estimate and lender-routing recommendation based on the information you provide. Formal loan approval still requires underwriting approval by a licensed lender (Speedbank is not a direct lender).
Get a crystal-clear mortgage answer before you apply.
Check your estimated qualification, compare likely loan paths, and get matched with lending partners in minutes.
Common questions
Is this a mortgage approval?
No. Speedbank provides an estimated qualification and routing recommendation. Final approval depends on a lender’s verification, underwriting, credit review, appraisal, and program guidelines.
Will this affect my credit score?
The initial Speedbank check is designed around borrower-provided information and does not require a hard credit pull. A lender may later request authorization for a formal credit pull.
What information do I need?
You should know your estimated credit score, income, monthly debts, down payment, target property price, location, and available cash. Documents improve accuracy.
How is Speedbank different from a rate quote site?
Speedbank focuses on qualification and lender fit first. The goal is to help you understand which mortgage path is executable before sending you to a lender.