Increased efficiency
Automate a time-consuming manual process and cut the likelihood of human error.
- Quick app received
- Docs generated
- Underwriting review
- Cleared to close
Home Loan Pricing
AI-powered lendingLoan pricing software that's accurate and competitive
Determine the right interest rate, fees, and overall cost for every loan, Nexys automates pricing using risk factors, financial data, and live market conditions.
In short: Nexys loan pricing weighs credit risk, loan type and term, market conditions, and collateral to price every deal accurately, then locks rates in real time and adjusts dynamically as markets move.
What is loan pricing?
Balance profitability and affordability on every deal
Loan pricing determines the interest rate, fees, and cost of a loan, a balance of the lender's profitability and the borrower's affordability. Several internal and external factors move that number:
- Credit risk: higher-risk borrowers are priced to compensate for default likelihood
- Loan type & term: product and length change the overall cost and risk exposure
- Market conditions: inflation and Federal Reserve policy move prevailing rates
- Collateral: secured loans price lower than unsecured because losses are recoverable
- Operational costs: administrative expense and cost of funds factor into every price
Price with confidence
Automate a manual, error-prone process and lock rates in real time
Nexys weighs credit risk, loan type and term, market conditions, and collateral to price every deal correctly, then locks rates in real time and adjusts dynamically as markets move.
Real-timerate locking and dynamic adjustments
Book a Demo Why it matters
The benefits of automated loan pricing
Advanced algorithms replace spreadsheets, so pricing is faster, more accurate, and always compliant.
Accurate risk pricing
Advanced algorithms generate precise risk assessments tailored to each borrower.
- Identity match
- Income & assets
- Document integrity
- Watchlist screen
Regulatory compliance
Stay aligned with state and federal lending regulations and reduce legal risk.
Compliance
State & federal rulesReduced legal riskBuilt-in checks
Real-time rate locking
Lock rates in real time and adjust dynamically as market conditions move.
Bridge · 12mo9.75%Live
DSCR · 30yr7.35%Locked
Fix & Flip10.50%Live
How lenders price loans
The models behind the number
Lenders use pricing models to weigh the risk of a loan, the cost of capital, and competitive pressure. Nexys automates them.
Model
Cost-plus pricing
Add the lender's desired profit margin to the cost of providing the loan, interest expense plus overhead.
Model
Risk-based pricing
Vary the price by the borrower's perceived risk; higher-risk borrowers are priced to offset default likelihood.
Nexys
Automated & optimized
Nexys applies these models in software, using risk factors, financial data, and market conditions to price accurately and competitively.
How the software works
From data input to optimized price
1
Data input
Pull credit scores, borrower financials, collateral value, and live market rates.
2
Risk assessment
Assign risk ratings from the data that directly inform the loan's price.
3
Compliance check
Factor in market and regulatory conditions to price within state and federal rules.
4
Dynamic pricing
Adjust in real time to stay competitive and optimize profitability as markets move.
One platform
Explore the rest of the platform
Origination, CRM, servicing, and pricing share one source of truth, add the pieces your team needs next.
Loan Origination SoftwareEnd-to-end origination, underwriting, and closingExplore Loan Origination Software
Get started
Price smarter with Nexys
Book a demo and see risk-based pricing with real-time rate locking on your own products.
