One Mortgage System (OMS) has announced a full application programming interface (API) integration with United Trust Bank (UTB) across its first charge residential mortgage range.
This marks the latest in a growing number of strategic technology partnerships between OMS and both specialist and mainstream lenders. The new API integration enables OMS users to seamlessly access UTB’s first charge residential mortgage products without rekeying data, helping to improve efficiency and reduce administration.
United Trust Bank provides an enhanced range of specialist mortgage products designed to support customers who fall outside standard high street lending criteria. Rather than relying solely on credit scores or fully automated processes, UTB combines advanced technology with the expertise of its specialist underwriters to assess each application on its individual merits. This approach enables the Bank to meet the needs of borrowers seeking to purchase a home or raise capital for a variety of purposes.
OMS is the UK’s only end-to-end platform covering residential, buy-to-let, second charge, equity release, bridging, and commercial mortgages - plus general insurance, and protection - to provide users with best in class for product sourcing, protection sourcing and criteria searching.
Buster Tolfree, Managing Director – Mortgages, Buy-to-Let and Bridging at United Trust Bank said:
“We are delighted to complete this integration with OMS, which gives their thousands of users the ability to submit residential mortgage applications directly to United Trust Bank.
“Leveraging the value of market leading technology is vitally important for the Bank and will help us reach more brokers and lend to more borrowers. We look forward to developing this partnership with OMS over the coming months and years.”
Neal Jannels, Managing Director at One Mortgage System, commented:
“Brokers need more than just speed, they need confidence that specialist lenders can deliver fair outcomes for the growing number of borrowers who don’t fit the mainstream mould.
“By embedding UTB’s residential range directly into OMS, we’re not just cutting out duplication, we’re giving brokers certainty that their cases will be assessed on merit, not just a credit score. This kind of integration raises the bar for how technology and underwriting expertise should combine, and it’s another step in ensuring intermediaries can serve a broader spectrum of homebuyers with clarity and efficiency.”
