These problems aren't dramatic. They're quiet and they compound.
Flat margins across the board
It costs the same to underwrite a $200K loan as a $700K one. But most teams price both with the same flat margin because their systems can't handle variable strategies by bucket.
Guidelines that live in people's heads
Ask five team members how they interpret your underwriting guidelines for a 30-year fixed. You'll get three different answers. The rules exist — they're just not codified anywhere that enforces consistency.
Rate sheets updated by hand
Investors publish rate sheets as Excel or PDF. Someone copies the numbers and pastes them into your system. Every time. Across every investor. Hopefully they don't miss a cell.
One pricing setup for every channel
Retail, wholesale, and correspondent running through the same pricing means you're either too aggressive somewhere or not competitive enough somewhere else. You can't optimize all three at once.
"Let me get back to you"
A borrower asks about a different down payment or loan product. Your salesperson hangs up, runs numbers manually, and calls back an hour later — if the borrower hasn't already called someone else.
The invisible handoff
Everything set up at pricing — borrower data, eligibility, qualification — gets re-entered when the file hits processing. That's where data gets reinterpreted and conditions reopen downstream.
PricerX was built for teams that already know what they want to do, and need a system that lets them actually do it.
Not a feature list. Here's what changes in practice.
Dynamic Margins
Incentivize your bread-and-butter borrower profiles — the loan amounts, FICOs, and LTVs you want more of — with tighter margins. Protect margin on the rest. Variable by bucket, applied automatically at pricing. No spreadsheet required.
Drag-and-drop rules engine. No code, no IT tickets. A rule like "75% max LTV on a 30-year fixed, 65% on a 5/6 ARM" takes a few clicks. Complex matrix rules work the same way. Your ops team owns it.
Open the base rate matrix. Click the first cell. Paste. Done. Same for adjustment matrices. No manual transcription, no missed cells, no lag between when rates change and when your team can price with them.
Spin up separate pricer instances for retail, wholesale, and correspondent — each with its own products, margin strategy, and branding. Be competitive where you need to be without undercutting yourself somewhere else.
Multiple loan scenarios generated side by side in real time. Different products, down payments, terms — with transparent breakdowns. Your sales team never has to say "let me get back to you" again.
PricerX connects to LenderX — our LOS. Borrower data, qualification results, and pricing details transfer automatically. No re-entry. No reinterpretation. What was true at pricing stays true at processing.
Ryan Sailor
President at Diya Finance