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.

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.

Laptop screen displaying data table with Custom Margins

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.

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

Manage markups across branches

Manage markups across branches

Laptop screen displaying real time updates of LLPAs.

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.

Launch pricing promos instantly

Launch pricing promos instantly

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

"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

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

Support custom investor pricing rules

Support custom investor pricing rules

Reduce errors in loan delivery

Reduce errors in loan delivery

A laptop screen displaying LoanPASS' rule screen.

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.

Price loans differently by channel

Price loans differently by channel

Set channel specific eligibility rules

Set channel specific eligibility rules

Track performance across pricing paths

Track performance across pricing paths

Laptop screen displaying LoanPASS' locking field selections page.

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.

Set lock rules and expiration timelines

Set lock rules and expiration timelines

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

Laptop screen displaying the Quick Pricer page on LoanPASS

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.

Get instant quotes with Quick Pricer

Get instant quotes with Quick Pricer

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

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

Frequently Asked Questions

Can LoanPASS price conforming and agency loans without manual overlays or spreadsheets?

Yes. LoanPASS natively supports conventional and government products including fixed, ARM, high-balance, affordable housing, and state down payment assistance programs. Eligibility, pricing, and adjustments are configurable to align precisely with Fannie Mae and Freddie Mac guidelines, eliminating manual overlays and spreadsheet-driven workarounds.

How does LoanPASS help improve pricing accuracy and profitability?

How does LoanPASS help lenders protect margins while staying competitive on price?

LoanPASS applies real-time LLPAs, investor rules, and custom margins at the loan-attribute level. This ensures every price reflects true risk and intent, helping lenders avoid underpricing, prevent margin leakage, and confidently compete without guessing.

Can I manage different pricing strategies for retail, wholesale, and correspondent channels?

Yes. LoanPASS supports true multi-channel pricing, allowing you to define separate rules, margins, and eligibility logic by channel. This lets each lending channel compete effectively without compromising enterprise-wide controls or consistency.

Can business users update pricing and rules without engineering support?

Yes. LoanPASS is built for Mortgage Lenders, Capital & Secondary Marketing professionals. Its low-code interface allows product, secondary, and capital markets teams to update pricing logic, eligibility rules, and adjustments quickly, without waiting on IT or risking errors.

Does LoanPASS integrate with our LOS, such as Encompass?

Yes. LoanPASS integrates directly with Encompass Partner Connect (EPC) and supports other LOS platforms through APIs. This allows lenders to modernize pricing and decisioning without disrupting existing workflows or retraining teams. LoanPASS is also integrated to Vesta LOS, Wilqo LOS, Meridian Link LOS and more

Yes. LoanPASS integrates directly with Encompass Partner Connect (EPC) and supports other LOS platforms through APIs. This allows lenders to modernize pricing and decisioning without disrupting existing workflows or retraining teams. LoanPASS is also integrated to Vesta LOS, Wilqo LOS, Meridian Link LOS and more.

How does LoanPASS help ensure compliance with agency guidelines and investor overlays?

LoanPASS enables version-controlled, auditable rule sets that mirror agency requirements and investor overlays. Every pricing decision is traceable, making compliance reviews, audits, and secondary due diligence far easier to manage.

Can LoanPASS support rate lock policies and hedge risk management?

Yes. You can configure custom rate lock rules, expirations, extensions, and permissions to maintain pricing discipline and reduce hedge exposure, helping align lock policies with secondary and capital markets strategy.

What reporting and audit visibility does LoanPASS provide?

LoanPASS captures a complete audit trail of pricing changes, rule updates, and user activity. Reports can be exported for compliance, secondary reviews, and internal controls, giving leadership confidence in every pricing decision.

Is LoanPASS fast enough for high-volume or complex pricing scenarios?

Yes. LoanPASS returns pricing results in under one second—even for complex scenarios, so loan officers, secondary teams, and borrowers never wait on decisions.

Take Control. Move Faster.

A LoanPASS demo is not a canned walkthrough. It is a conversation designed to uncover your decisioning challenges, and explore how LoanPASS PPE+AUS, and PMI Rate Pro, can help solve them. Not ready yet? Subscribe for updates, insights, and other great content.

or

Take Control. Move Faster.

A LoanPASS demo is not a canned walkthrough. It is a conversation designed to uncover your decisioning challenges, and explore how LoanPASS PPE+AUS, and PMI Rate Pro, can help solve them. Not ready yet? Subscribe for updates, insights, and other great content.

or

Take Control. Move Faster.

A LoanPASS demo is not a canned walkthrough. It is a conversation designed to uncover your decisioning challenges, and explore how LoanPASS PPE+AUS, and PMI Rate Pro, can help solve them. Not ready yet? Subscribe for updates, insights, and other great content.

or

Take Control. Move Faster.

A LoanPASS demo is not a canned walkthrough. It is a conversation designed to uncover your decisioning challenges, and explore how LoanPASS PPE+AUS, and PMI Rate Pro, can help solve them. Not ready yet? Subscribe for updates, insights, and other great content.

or

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.