Lender Price

Lender Price — Live mortgage pricing, eligibility and lock-decision panel for the wholesale and non-delegated correspondent channel. As a cloud-native product-and-pricing engine used by lenders to quote loans, it records every pricing scenario and outcome: loan-level price adjustments, investor-specific pricing, eligibility rule evaluations across agency, non-agency, non-QM and debt-service-coverage-ratio programmes, the full lock lifecycle from first quote through lock, intraday rate movement, and execution outcomes across more than 100 investor relationships. Coverage is substantial for thi…

Lender Price offers (Alternative, Price, Fundamental, Reference) — roughly $30 billion in funded loan volume monthly alongside an unquoted but clearly larger volume of pricing scenarios, since a pricing engine logs every scenario considered and abandoned, not only the loan that proceeds — implying millions of priced scenarios and lock events per month, each carrying product, eligibility, investor, pricing-component and outcome attributes, plus a portfolio repricing layer that has been run across books of millions of loans..

Direct uses: wholesale and correspondent origination-volume nowcasting by channel and product, visible at quote time well before funding; refinance-propensity and recapture modelling from portfolio repricing outcomes, the single highest-value predictive asset in mortgage lending right now; non-QM and debt-service-coverage-ratio investor-demand tracking, since this channel specialises in the non-agency products where agency-centric data providers are weakest; mortgage-bond and hedge modelling using realised investor pricing and execution mix; loan-level price adjustment and pricing-competition analysis across lenders; and MSR valuation and retention strategy. Model-training uses: a labelled preference corpus over loan terms, rate-elasticity training data, and an investor-acceptance classifier.

The data is with 10 years of history.