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
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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.
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lendingmetrics.com | info@lendingmetrics.com | 02394 211010
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