Every lock request, one conversation.A person approves every lock.
Requests arrive from Encompass, the lock inbox or Google Chat. Each request gets one conversation: we read the loan, find what's missing, price it across your investors and answer best efforts or hedge. Once your desk approves, the investor's lock runs in the portal while you watch.
- Encompass, the lock inbox and Google Chat
- Three channels
- Per lock request, from intake to confirmation
- One conversation
- Approved by a person before it's submitted
- Every lock
- Auto-resubmits after a portal failure
- Nothing
Requests from wherever your LOs send them.One queue, one owner per request.
Lock requests from the LOS, email and chat land in the same queue. Each one opens its own conversation, matched to the pipeline loan, with its status and who it's waiting on.
Every request, its status and who it's waiting on.
The rate locks queue shows each request with its source, the loan it belongs to and where it stands: waiting on missing inputs, waiting on an approver, locking in the portal or confirmed. Nobody has to ask the desk where a lock is.
- Requests from Encompass, email, Google Chat and the app in one list
- Status and the person each request is waiting on
- One conversation per request
- Open any request to see the full thread and every step
Lock emails read, with every value traced.
Each message sent to the lock inbox is read and the loan number, rate, product and lock period pulled out, each traced to where it appears in the email text. The request is matched to the pipeline loan before anything is priced.
- Every extracted value highlighted in the email text
- Matched to the Encompass loan and its lock request
- Google Chat requests handled the same way, in the thread
- Unclear requests flagged, not guessed
The loan comes from Encompass, read-only by default.
The pipeline syncs from Encompass every minute, so every price comes from the current loan file. The lockable today view shows each unlocked loan's best investor and price. Nothing writes back to Encompass unless you turn write-back on.
- Encompass pipeline synced every minute
- Lockable today: best investor and price per unlocked loan
- Read-only by default; write-back is an opt-in setting
- Empower, MeridianLink, Calyx and Blue Sage too
A lock, end to end.Six steps, one approval.
We do the reading, pricing and portal work. Your desk makes the one decision that matters.
Request arrives
A lock request lands from Encompass, the lock inbox or a Google Chat space. It opens one conversation and is matched to the loan.
- 10:02:14Request received from Google Chat · Retail desk space
- 10:02:16Matched to loan 2410387 in Encompass
We do the reading and pricing.Your desk makes the decision.
We read the loan, ask for what's missing, price the request across every investor and apply your execution policy. Then a person decides.
Answered from your execution policy, with the rule.
Before the lock is proposed, the loan is checked against your versioned best efforts versus hedge rules and the answer is stated with the rule that decided it and the loan facts it used. Change the policy and the next answer follows it.
- Missing inputs requested in the thread before pricing
- Priced across every investor, best execution shown
- The deciding rule and the facts behind it
- Versioned policy: each answer follows the current rules
A person approves the exact terms.
The approval card shows the investor, rate, price, lock period and quote expiry. Nothing is submitted until a person approves it. Exceptions and over-limit locks route to the approver who can sign them off, with the reason, and every decision lands in the audit trail.
- Investor, rate, price, lock period and quote expiry on one card
- Nothing is submitted before the approval
- Exceptions and over-limit locks go to the right approver
- Every approval recorded with who, when and the terms
The investor lock runs while you watch.Checkpoints and failures show on the card.
After approval the investor's lock runs in the investor portal, with credentials from the encrypted vault. You see the live browser and each step as it happens.
A live browser view, step by step.
The run shows the investor portal step by step: sign-in, loan entry, product and rate selection, review and submit. Each step is ticked off in the conversation, so the desk can follow the lock without opening the portal.
- Live browser view of the investor portal
- Step-by-step progress in the conversation
- Portal credentials held in an encrypted vault
- Confirmation number captured from the portal
If the portal refuses, the desk sees why.
When the run reaches a checkpoint that needs a person, it stops and shows on the card. If the portal refuses the lock, the card shows the step and the portal's message. Nothing auto-resubmits.
- Checkpoints surface on the card for a decision
- Failures show the step and the portal message
- Nothing resubmits without a person
- Confirmation posted to the thread and filed to the loan record
Ask anything about a loan.Get the answer and its sources.
Eligibility, price, why a lock failed. Every answer cites the loan record, the rate sheet or the guideline page.
Illustrative · fictional loans and investors
Approve the exact terms from your phone.Every action on the record.
The lock desk works the same on a phone, and every message, price, approval and portal step is kept in the audit trail.
The same card, the same approval, on a phone.
Approvers see the terms, the best efforts or hedge answer and the deciding rule on their phone and approve without opening a laptop. The lock still runs in the portal with the same checkpoints.
- Full lock conversation on mobile
- Approve or decline the exact terms
- Checkpoints and failures reach the approver
Also in the lock desk
- Full audit trailEvery request, message, price, approval and portal step recorded.
- Filed to the loan recordConfirmations posted to the thread and filed against the loan.
- Encrypted credential vaultInvestor portal logins never sit in a message or a script.
- Read-only LOS by defaultEncompass is read; write-back is an opt-in setting.
- Ask about any loanEligibility, price or why a lock failed, with the sources.
- Right approver for exceptionsOver-limit and exception locks route with the reason.
- Pricing engineEvery loan across every investor, every LLPA traced.
- HedgingPosition, coverage, trades and BE vs mandatory per loan.
- Secondary MKT AdvisorsAdvisory and loan sales: bids, commitments, investors.
- IntegrationsYour LOS, rate sheets and guidelines connected in hours.
- CompareSecondarymkt against the best alternatives.
Bring us your next lock request.We'll walk it to confirmation.
A working session on your own loans and investors.
- A person approves every lock
- LOS read-only by default
- Encrypted credential vault
- Full audit trail