Every Lender. Every Rate. One Search.

The Decision Engine pulls real-time pricing from 12+ wholesale and correspondent lenders in under 3 seconds. See LLPA breakdowns, cash-to-close, and your compensation on every quote — then push the winning scenario straight to your borrower.

12+
Lenders
Real-Time
Rates
< 3 Sec
Quotes
APR + CTC
Cash-to-Close

Everything you need. Nothing you don't.

Purpose-built features designed by mortgage professionals, for mortgage professionals.

🏦

Multi-Lender Rate Comparison

Pull real-time pricing from 12+ wholesale and correspondent lenders in a single search. See par rates, rebate tiers, and net pricing side by side — no more logging into a dozen portals.

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LLPA & Scalar Breakdowns

Every quote shows a transparent breakdown of Loan-Level Price Adjustments, scalar modifiers, and floor adjustments so you know exactly where the rate comes from and how to improve it.

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Cash-to-Close Calculations

Instant cash-to-close figures alongside every rate option. Borrowers see the full picture — rate, monthly payment, closing costs, and funds needed — in one view.

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LO Compensation Breakdown

See your compensation on every quote — BPPC and LPPC splits, basis points, and flat-fee structures — so you can price competitively while protecting your margin.

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Save & Compare Scenarios

Save any pricing result as a scenario. Pull it up later to compare against new rates or push it directly into the Scenario Desk for borrower-facing presentations.

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Eligible Product Filtering

Filter available products by FICO score, LTV, loan amount, property state, and loan type. The engine eliminates ineligible options automatically so you only see what actually qualifies.

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Rate Sheet Integration

Connects to lender rate sheets in real time. When rates move, your quotes update — no stale PDFs, no manual re-entry, no surprises at lock.

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Submit to Scenario Desk

Found the right rate? Push it directly to the Scenario Desk with one click. The loan scenario carries over all pricing details, borrower info, and cash-to-close numbers.

⏱️

Sub-3-Second Quotes

Parallel API calls to every connected lender return full pricing results in under 3 seconds. Quote a borrower on the phone without putting them on hold.

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Frequently Asked Questions

Which lenders are supported in the Decision Engine?
The Decision Engine connects to 12+ wholesale and correspondent lenders out of the box, including major players like UWM, Rocket Pro TPO, AmeriHome, and NewRez. New lender integrations are added regularly, and you can request specific lenders during onboarding.
How accurate are the real-time rates?
Rates are pulled directly from lender rate sheet APIs and PPE (Product & Pricing Engine) feeds. Pricing reflects the same data you would see logging into each lender portal individually, including intraday reprices. The engine updates automatically when lenders publish mid-day changes.
Can I use the Decision Engine without the full MX LOS?
Yes. The Decision Engine works as a standalone pricing tool. However, when paired with MX LOS, quotes flow directly into loan files and the Scenario Desk, eliminating re-entry and giving you a seamless origination-to-lock workflow.
How does the LLPA breakdown help me price better?
The breakdown shows every adjustment layered onto the base rate — FICO hits, LTV adjustments, property type scalars, cash-out penalties, and subordinate financing adjustments. When you see exactly which factors are costing basis points, you can advise borrowers on strategies like paying down balances to cross FICO thresholds before locking.
Is my LO compensation visible to borrowers?
No. The LO compensation breakdown is visible only to you and users with admin-level access. Borrower-facing outputs from the Scenario Desk show APR, monthly payment, and cash-to-close — never your internal margin or comp structure.

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