Loan Pricer answers the two questions every loan turns on: does it qualify, and at what price? A Program Engine decides eligibility across every subscribed program; a Pricing Engine then computes and ranks true best execution across the options that qualified — for a single interactive quote or thousands of loans at once.
Representative True BestEx grid — best price per rate × product, the winning execution highlighted.
Eligibility and price never blur. The Program Engine decides what qualifies; the Pricing Engine prices only what passed. Each has a single responsibility, the eligibility decision is auditable on its own, and results re-rank without re-running guideline logic.
The engine builds every qualifying program-and-product option, computes each one's adjusted price, and ranks them — so the grid shows the best price available at each rate, not the first program that happened to fit.
Loan Pricer is part of PPE1, the only modern pricing engine you can acquire outright or license as open source and run behind your own LOS. The tool your originators price on stops being a per-lock meter and becomes an asset you control.
When a scenario doesn't fit as entered, Loan Pricer doesn't stop at a red "declined." It automatically relaxes one constraint and returns the best achievable terms — ranked best-first, showing only the fields that changed — so the conversation moves to "here's what works," not "no."
And with search modes, an officer can shop the borrower's maximum up front — the engine solves for it instead of guessing.
See counter-offers & search modes →From a valid-by-design scenario to defending a result months later.
Cascading dropdowns show only the programs a client subscribes to, and fields auto-calculate and auto-geocode — an officer can only build a scenario that's valid to price.
Credit events and mortgage lates are graded, and the credit profile filters eligibility to the credit-approved programs before pricing runs — credit shaping the result, not bolted on after.
For any loan, even one priced months ago, replay the decision and see exactly why a program passed or was countered — down to the field and whether a guideline or an overlay set the limit.
Beyond rate and price, each option resolves its ARM margin and caps and its prepay terms — an adjustable-rate loan is priced as the instrument it actually is.
Lock any cell to snapshot its price, then track every scenario in a searchable pipeline with a live dashboard — the officer's book of business in one place.
Guidelines and overlays are authored visually as data and bound to live loan fields — a lender reshapes eligibility and pricing behavior through configuration, with no deployment.
Loan Pricer ships as a native mobile app that runs the same Program & Pricing engines as the desktop — new scenario, eligibility, True BestEx grid, counter-offers, and a rate-lock request, all from a phone. Sign in with Face ID / biometrics, price a borrower from the kitchen table, and pick up on the web exactly where you left off.
See Loan Pricer Mobile →Throughput from the platform's own processing. See the architecture →
Its Program & Pricing engines are the core the rest of PPE1 is built on — institutional-scale Bulk Pricer is this same engine, run across thousands of loans at once, alongside the Manager admin hub, mobile, and an AI Learning Center — so originations, secondary, and capital markets all price off one source of truth.