Feature Requests

Comprehensive Pricing & Eligibility Engine for LendingWise
Summary:
Develop a robust pricing and eligibility engine within LendingWise to aggregate and display loan products for your own loan products AND/OR from top wholesale lenders across various product categories, including bridge, fix & flip, DSCR, and construction loans. The engine would cater to internal teams, capital markets, and external partners for streamlined decision-making and deal structuring.

Description:
This feature would centralize pricing and eligibility data for your loan products AND/OR wholesale lenders into a dynamic, user-friendly engine. The system could serve multiple use cases:

Use Case 1: Back-End Capital Markets

Provide real-time pricing and eligibility data for capital markets teams to optimize deal structuring and secondary market sales.
Enable advanced filtering based on loan characteristics, lender preferences, and borrower qualifications.

Use Case 2: Internal Loan Officer & Account Executive Tools

Equip loan officers and account executives with an intuitive tool to quickly identify eligible loan products and accurate pricing for borrowers.
Support real-time comparisons of wholesale lender offerings.

Use Case 3: Public-Facing Portals

Allow brokers, correspondent partners, or even borrowers to explore pricing and eligibility through an external-facing portal.
Offer tailored results based on borrower input, such as loan purpose, property type, LTV, credit score, and loan amount.
Key Features:

Lender Integration & Data Management:

Aggregate real-time pricing and eligibility criteria from top wholesale lenders via API integrations or regular data uploads.
Ensure data is updated to reflect changes in market rates, guidelines, and lender products.
Dynamic Pricing Models:

Calculate loan pricing based on borrower-specific factors like credit score, income, property value, and loan terms.
Include rate adjustments for risk factors, such as prepayment penalties or interest-only terms.
Eligibility Criteria Matching:

Match borrower profiles with lender eligibility requirements to instantly identify qualifying products.
Highlight reasons for ineligibility when criteria are not met.
Scenario Comparison:

Provide side-by-side comparisons of eligible loan products, including detailed breakdowns of rates, fees, and terms.
Include sorting and filtering options for lenders, terms, or product types.
Custom Workflows:

Allow capital markets, loan officers, or partners to save and share pricing scenarios.
Provide exportable reports for internal review or borrower proposals.
Access Control & Customization:

Restrict access to pricing data based on user roles (e.g., back-end pricing for capital markets, simplified views for public-facing users).
Enable customization of pricing rules for specific partners or preferred lenders.
Why This Is Valuable:

Efficiency: Eliminates the need for manual searches and comparisons across multiple lenders, reducing errors and saving time.
Enhanced Decision-Making: Provides real-time, data-driven insights for internal teams and external partners.
Improved Partner Experience: Positions LendingWise as a cutting-edge platform for brokers, correspondent lenders, and borrowers.
Revenue Growth: Helps users identify the best loan products quickly, driving higher deal flow and customer satisfaction.