Pricing Engine & Quote App

The Pricing Engine prices loan scenarios using your own rules: your rate grids, adjustments, leverage limits and eligibility. The Quote App puts those prices in front of borrowers, brokers and loan officers on your website. A borrower answers a few questions, sees the programs they qualify for, picks one, and the Quote App creates the loan file in your pipeline.

Where: Platform Settings → Pricing Engine (manager access). Every change is recorded in a change log.

Getting started

A company with no pricing sees a Set up button. It adds the Quote App settings, four starter loan types (Rental, New construction, Fix & flip, Bridge) and the standard questions. Nothing appears on the Quote App until you add, price and publish programs.

Draft and publish

Every change saves to a draft. The Quote App keeps using the published version until you publish again.
Publish checks the draft first. Anything that would misprice a quote, such as a missing rate grid, a broken formula or an unknown loan program, blocks the publish. Warnings don't.
Versions shows what was published, when and by whom. A quote keeps the version it was priced with, so publishing never changes a quote already sent.

Loan types and programs

Each loan type is a tile on the Quote App. Rename, reorder or add your own. Each program maps to one of your loan programs (and, optionally, an internal loan program that borrowers never see) and can be published or hidden. Duplicate copies a program with all its rates and rules; Archive retires it without losing them.

The program editor

Tab	What you set
Base rates & points	A grid priced on two of: credit score, LTV, LTC, loan-to-ARV or experience. A blank rate means the program isn't offered there.
Adjusters	Plain-language rules that raise, lower or set the rate or points, e.g. If loan purpose is cash-out, add 0.25% rate. Leverage adjusters move a cap, e.g. lower Max LTC by 5% for a first-time flipper.
Leverage caps & limits	Standard caps (Max LTV, LTC, LTARV and others) and the limits they drive. The maximum loan is the smallest limit. Choose the cost and value basis, and whether an interest reserve sits inside or on top of the loan. Formulas are built from buttons, with nothing to type.
Eligibility	Hard fails (program removed), Blockers (shown without a price; the borrower can still request it) and Review flags (priced, with your note). You write the message borrowers read.
Terms & fees	Term, interest-only or amortizing, rate floor and ceiling, minimum points, loan limits, interest reserve and liquidity test. Set an end date to make a program Promotional: it shows a banner and leaves the Quote App after that day.
Test	Price the draft as a borrower would, with a full trace of how the price was reached. Nothing is saved.

Questions

Each Quote App answer fills a field on the loan file. Reword questions (per loan type), add help text, choose which loan types ask them, or switch them off. A blank answer can be required, defaulted, or assumed at its most conservative value.

Borrower experience

Branch, broker and loan officer links are configured separately: lender name and logo, and whether points, payment and leverage ratios show. A form offers only programs active on its branch.
Choose when contact details are asked, when the loan file is created, how long a quote is valid, the disclaimer, and an optional follow-up Quick App or Full App.

Embed codes and links are on each branch's (and each broker's and loan officer's) Web Form Integration tab. See Using the Quote App.

Full detail: in LendingWise, open Platform Settings → Pricing Engine → User Guide.