One Mortgage System (OMS) has completed a full API integration with United Trust Bank (UTB) across its first charge residential mortgage range.

The CRM and loan origination platform said this marks the latest deal in a growing number of partnerships with both specialist and mainstream lenders.

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

The 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 its specialist underwriters to assess each application on its individual merits.

It said this approach enables the bank to meet the needs of borrowers seeking to purchase a home or raise capital for a variety of purposes.

Managing director – mortgages, buy-to-let and bridging at UTB, Buster Tolfree, 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."

Managing director at OMS, Neal Jannels, added: "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."

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