Tailor Margins, Expand Products & Cut Cost for Conventional Loans

Tailor Margins, Expand Products & Cut Cost for Conventional Loans

Tailor Margins, Expand Products & Cut Cost for Conventional Loans

The only configurable PPE for eligibility, pricing, and underwriting. Optimize profitability across every loan.

The only configurable PPE for eligibility, pricing, and underwriting. Optimize profitability across every loan.

The only configurable PPE for eligibility, pricing, and underwriting. Optimize profitability across every loan.

Feature

LoanPASS

Traditional Process

Limitless margin and LLPA adjustment parameters

Multi-channel pricing and eligibility logic

Advanced rate lock policies and permissions

Enhanced overlay capabilities

Tailored pricing experience for your users

See what makes LoanPASS the fastest, most flexible, PPE on the market for conventional loans.

Custom Margin Management

Custom Margin Management

Custom Margin Management

LoanPASS gives you full control over how and where margins are applied, so you can fine tune profitability across loan products, borrower profiles, and channels. Adjust margins dynamically based on risk, volume goals, or investor needs to protect your bottom line in any market.

LoanPASS gives you full control over how and where margins are applied, so you can fine tune profitability across loan products, borrower profiles, and channels. Adjust margins dynamically based on risk, volume goals, or investor needs to protect your bottom line in any market.

LoanPASS gives you full control over how and where margins are applied, so you can fine tune profitability across loan products, borrower profiles, and channels. Adjust margins dynamically based on risk, volume goals, or investor needs to protect your bottom line in any market.

Set margins by loan type or channel

Set margins by loan type or channel

Set margins by loan type or channel

Set margins by loan type or channel

Adjust margins based on FICO, LTV, or occupancy

Adjust margins based on FICO, LTV, or occupancy

Adjust margins based on FICO, LTV, or occupancy

Adjust margins based on FICO, LTV, or occupancy

Manage markups across branches

Manage markups across branches

Manage markups across branches

Manage markups across branches

Real Time LLPA Adjustments

Real Time LLPA Adjustments

Real Time LLPA Adjustments

Quickly adapt to market needs and promotional strategies without delays or manual work. LoanPASS lets you create and deploy LLPA changes instantly—whether for long-term policy updates or time-sensitive product specials. Run seasonal promotions, channel-specific incentives, or one-day pricing events with confidence, knowing every scenario will be priced accurately in real time.

Quickly adapt to market needs and promotional strategies without delays or manual work. LoanPASS lets you create and deploy LLPA changes instantly—whether for long-term policy updates or time-sensitive product specials. Run seasonal promotions, channel-specific incentives, or one-day pricing events with confidence, knowing every scenario will be priced accurately in real time.

Quickly adapt to market needs and promotional strategies without delays or manual work. LoanPASS lets you create and deploy LLPA changes instantly—whether for long-term policy updates or time-sensitive product specials. Run seasonal promotions, channel-specific incentives, or one-day pricing events with confidence, knowing every scenario will be priced accurately in real time.

Launch pricing promos instantly

Launch pricing promos instantly

Launch pricing promos instantly

Launch pricing promos instantly

Apply LLPAs by product or channel

Apply LLPAs by product or channel

Apply LLPAs by product or channel

Apply LLPAs by product or channel

Automate incentives at the point of quote

Automate incentives at the point of quote

Automate incentives at the point of quote

Automate incentives at the point of quote

"Any secondary marketing person will find it easy enough to navigate and build their own rules. But if you get confused or need help, the support is amazing.”

Nelson Haws

Founder & CEO. LoanHouse

Secondary Market Alignment

Secondary Market Alignment

Secondary Market Alignment

Ensure every loan you price fits investor guidelines and delivery standards. LoanPASS helps you match pricing logic to investor expectations, reducing repurchase risk and supporting better execution in the secondary market.

Ensure every loan you price fits investor guidelines and delivery standards. LoanPASS helps you match pricing logic to investor expectations, reducing repurchase risk and supporting better execution in the secondary market.

Ensure every loan you price fits investor guidelines and delivery standards. LoanPASS helps you match pricing logic to investor expectations, reducing repurchase risk and supporting better execution in the secondary market.

Map pricing to investor guidelines

Map pricing to investor guidelines

Map pricing to investor guidelines

Map pricing to investor guidelines

Support custom investor pricing rules

Support custom investor pricing rules

Support custom investor pricing rules

Support custom investor pricing rules

Reduce errors in loan delivery

Reduce errors in loan delivery

Reduce errors in loan delivery

Reduce errors in loan delivery

Multi Channel Pricing Strategies

Multi Channel Pricing Strategies

Multi Channel Pricing Strategies

Configure pricing logic tailored to retail, wholesale, correspondent, or any other channel you support. With LoanPASS, you can set different rules, margins, and incentives per channel to maximize profitability and stay competitive.

Configure pricing logic tailored to retail, wholesale, correspondent, or any other channel you support. With LoanPASS, you can set different rules, margins, and incentives per channel to maximize profitability and stay competitive.

Configure pricing logic tailored to retail, wholesale, correspondent, or any other channel you support. With LoanPASS, you can set different rules, margins, and incentives per channel to maximize profitability and stay competitive.

Price loans differently by channel

Price loans differently by channel

Price loans differently by channel

Price loans differently by channel

Set channel specific eligibility rules

Set channel specific eligibility rules

Set channel specific eligibility rules

Set channel specific eligibility rules

Track performance across pricing paths

Track performance across pricing paths

Track performance across pricing paths

Track performance across pricing paths

Rate Lock Policy Configuration

Rate Lock Policy Configuration

Rate Lock Policy Configuration

Control when and how loans are locked to avoid exposure and preserve profitability. LoanPASS lets you define rate lock policies by product, channel, or user to support disciplined pricing and hedge strategies.

Control when and how loans are locked to avoid exposure and preserve profitability. LoanPASS lets you define rate lock policies by product, channel, or user to support disciplined pricing and hedge strategies.

Control when and how loans are locked to avoid exposure and preserve profitability. LoanPASS lets you define rate lock policies by product, channel, or user to support disciplined pricing and hedge strategies.

Set lock rules and expiration timelines

Set lock rules and expiration timelines

Set lock rules and expiration timelines

Set lock rules and expiration timelines

Limit lock actions by user role

Limit lock actions by user role

Limit lock actions by user role

Limit lock actions by user role

Support floating, extended, and re-lock options

Support floating, extended, and re-lock options

Support floating, extended, and re-lock options

Support floating, extended, and re-lock options

Quick Pricer and Advanced Pricer

Quick Pricer and Advanced Pricer

Quick Pricer and Advanced Pricer

Whether you need a fast quote or a full scenario breakdown, LoanPASS has tools built for every stage of the Non-QM process. Use Quick Pricer for instant results with minimal inputs or switch to Advanced Pricer for full control over loan details, conditions, and pricing logic. Both are designed to handle the complexity of Non-QM without slowing you down.

Whether you need a fast quote or a full scenario breakdown, LoanPASS has tools built for every stage of the Non-QM process. Use Quick Pricer for instant results with minimal inputs or switch to Advanced Pricer for full control over loan details, conditions, and pricing logic. Both are designed to handle the complexity of Non-QM without slowing you down.

Whether you need a fast quote or a full scenario breakdown, LoanPASS has tools built for every stage of the Non-QM process. Use Quick Pricer for instant results with minimal inputs or switch to Advanced Pricer for full control over loan details, conditions, and pricing logic. Both are designed to handle the complexity of Non-QM without slowing you down.

Get instant quotes with Quick Pricer

Get instant quotes with Quick Pricer

Get instant quotes with Quick Pricer

Get instant quotes with Quick Pricer

Use Advanced Pricer for detailed scenarios

Use Advanced Pricer for detailed scenarios

Use Advanced Pricer for detailed scenarios

Use Advanced Pricer for detailed scenarios

Handle complex rules and pricing with ease

Handle complex rules and pricing with ease

Handle complex rules and pricing with ease

Handle complex rules and pricing with ease

Our customers love us for many reasons. Here's a few of them.

Frequently Asked Questions

Can LoanPASS handle conforming and agency loan products?

Yes. LoanPASS fully supports conventional, conforming, and agency loan products including fixed, ARM, high balance, and affordable housing programs. You can configure eligibility rules, pricing, and adjustments in line with Fannie Mae and Freddie Mac guidelines.

How does LoanPASS help improve pricing accuracy and profitability?

LoanPASS applies real-time LLPAs, custom margins, and pricing adjustments based on detailed loan attributes. This ensures consistent, accurate pricing that protects your margins and aligns with investor expectations.

Can we create different pricing for our retail and wholesale channels?

Yes. LoanPASS supports multi-channel pricing strategies, allowing you to create separate rules, margins, and eligibility logic for each business channel.

Is the platform easy for non-technical staff to use and update?

Absolutely. LoanPASS is designed for business users with a low-code interface that makes it easy to update rules, margins, and pricing logic without needing a developer.

Does LoanPASS integrate with our LOS, such as Encompass?

Yes. LoanPASS integrates directly with Encompass via Partner Connect and supports other LOS platforms through APIs, enabling seamless pricing and decisioning workflows.

How does LoanPASS support compliance with agency guidelines and overlays?

You can build and maintain rulesets that reflect agency guidelines and investor overlays. Rules are version controlled and auditable to support compliance reviews.

Can LoanPASS help with rate lock policies and hedge protection?

Yes. You can configure custom rate lock policies, expiration rules, and user permissions to maintain control and reduce pricing risk.

What kind of reporting or audit trails are available?

LoanPASS tracks all pricing changes, user activity, and rule updates with full audit trails. Reports can be exported for internal reviews or compliance checks.

How fast is the platform?

Pricing results are returned in under one second, even for complex scenarios, giving your team the speed needed to stay competitive.

How fast is the platform?

Pricing results are returned in under one second, even for complex scenarios, giving your team the speed needed to stay competitive.

How fast is the platform?

Pricing results are returned in under one second, even for complex scenarios, giving your team the speed needed to stay competitive.

How fast is the platform?

Pricing results are returned in under one second, even for complex scenarios, giving your team the speed needed to stay competitive.

Take Control. Move Faster. Win more Business.

Turn complex pricing into a competitive advantage with LoanPASS. Faster quotes. Smarter decisions. Total control. Built for modern lending.

Schedule a Demo

Take Control. Move Faster. Win more Business.

Turn complex pricing into a competitive advantage with LoanPASS. Faster quotes. Smarter decisions. Total control. Built for modern lending.

Schedule a Demo

Take Control. Move Faster. Win more Business.

Turn complex pricing into a competitive advantage with LoanPASS. Faster quotes. Smarter decisions. Total control. Built for modern lending.

Schedule a Demo

Take Control. Move Faster. Win more Business.

Turn complex pricing into a competitive advantage with LoanPASS. Faster quotes. Smarter decisions. Total control. Built for modern lending.

Schedule a Demo

Our customers love us for many reasons. Here's a few of them.

Our customers love us for many reasons. Here's a few of them.

Our customers love us for many reasons. Here's a few of them.