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Driving Growth Through Automated Mortgage Decisioning
Leek Building Society | Case Study | ADP
20 %
All policy and rule changes tested against historical application data prior to deployment, strengthening governance and risk confidence
Configurable decision logic updated internally in hours rather than weeks, reducing dependency on IT-led change
Material reduction in application-to-loan turnaround times, achieved by removing manual decisioning steps
20% uplift in mortgage lending volumes delivered through automated decisioning, with no increase in underwriting headcount
About Leek Building Society Established: 1863 Industry: Building Society Products: ADP
The Challenge: Removing Manual Bottlenecks While Maintaining Risk Control
Prior to partnering with LendingMetrics, Leek Building Society had implemented a digital front end for mortgage applications. However, the underlying underwriting and decisioning processes remained largely manual, effectively replicating paper-based workflows behind the scenes. As application volumes increased, this operating model constrained scalability and extended processing times. More importantly, it limited the society’s ability to adapt lending policy efficiently and safely, increasing operational dependency on manual processes and specialist resources. Leek identified automated decisioning as a strategic priority, not simply to improve speed, but to enhance consistency, governance and oversight across their mortgage portfolio.
Founded in 1863, Leek Building Society is one of the UK’s longest- established mutuals and has remained proudly independent for over 160 years . Serving communities across the Northern Midlands through a network of 12 branches, the society combines a strong commitment to face-to-face service with a clear strategy to modernise its operations in line with evolving member expectations for digital efficiency, transparency and speed.
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Contact us : lendingmetrics.com | info@lendingmetrics.com | 02394 211010
Since completing their digital mortgage transformation, Leek Building Society have achieved clear and measurable outcomes: • 20% increase in mortgage lending volumes • Significantly reduced application-to-loan times, improving member experience • No increase in underwriting headcount, despite higher throughput • Greater consistency and repeatability in credit decisions More recently, the society has begun leveraging ADP’s Passive Engine and Replay Module capabilities. These tools enable proposed policy and rule changes to be tested against historical application data prior to deployment, ensuring changes perform as expected and remain within agreed risk tolerances. This testing-led approach reduces unintended consequences, strengthens model governance and provides confidence that lending remains responsible as volumes grow. Leek selected LendingMetrics’ Auto Decision Platform (ADP) to modernise their mortgage decisioning capability. A critical factor in this decision was ADP’s high degree of configurability, enabling the society to design, manage and evolve their own decision logic without reliance on external IT development or consultancy support. Using ADP, Leek has implemented a bespoke automated decisioning framework that: • Delivers instant, accurate mortgage decisions • Integrates data from multiple internal and external sources • Aligns decision outcomes tightly to the society’s lending policy and risk appetite • Provides full transparency and auditability of decision logic This approach allows risk and lending teams to retain direct ownership of decisioning, supporting innovation while maintaining strong governance.
The Solution: Configurable, Risk-Aligned Automated Decisioning
The Results: Measurable Growth with Stronger Governance
Richard Harper | Programme Manager | Leek Building Society
“
We now have regular catch-ups exploring how LendingMetrics can add further value . It is a forward-looking company, helping us plan for our own growth, and they’re definitely someone I’d recommend.
”
lendingmetrics.com | info@lendingmetrics.com | 02394 211010
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