OMS completes API integration with UTB's residential mortgage range

One Mortgage System (OMS) has announced a full application programming interface (API) integration with United Trust Bank across its first charge residential mortgage range.

The new API integration enables OMS users to access UTB’s first charge residential mortgage products without rekeying data, helping to improve efficiency and reduce administration.

United Trust Bank provides a 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 technology with the expertise of its specialist underwriters to assess each application on its individual merits. 

Buster Tolfree, managing director of 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.”