Rule sets
Base rates by program, with adjustments for LTV, term, property type and experience.
Bridge · 12mo9.75%Live
DSCR · 30yr7.35%Locked
Fix & Flip10.50%Live
Home Loan Pricing
Pricing rulesOne pricing grid, used by everyone
Write your pricing once. Every officer quotes from the same rules, and every quote shows why the rate is what it is.
In short: Orivane's pricing module stores your rate grid as rules by program, LTV, term and borrower experience. Quotes run against those rules inside the loan file, rate locks carry an expiry everyone can see, and exceptions need an approval that is recorded on the loan.
The problem
Pricing should not depend on who answered the phone
When the grid lives in one person's head or one spreadsheet, two officers quote the same deal two ways.
Consistency
Same inputs, same rate
Every quote runs against the current rule set, not a copy saved last quarter.
Visibility
Rules you can read
Each adjustment on a quote names the rule that applied it.
Control
Floors and approvals
Quotes below a margin floor go to a manager before they reach a borrower.
Inside pricing
From grid to term sheet
Pricing sits inside the loan file, so the quote and the loan never disagree.
Quotes
Run a quote from the loan file and send the term sheet without retyping anything.
Quotes
One clickTerm sheetsSaved scenarios
Exceptions
Pricing outside the rules goes to an approver, and the approval is kept on the loan.
- Identity match
- Income & assets
- Document integrity
- Watchlist screen
Rate locks
Lock a rate with an expiry date that the officer, processor and borrower can all see.
- Quick app received
- Docs generated
- Underwriting review
- Cleared to close
How a quote works
Four steps, all in the loan file
1
Enter the deal
Loan amount, value, term and program come from intake.
2
Run the rules
The current rule set produces a rate with each adjustment listed.
3
Review
Anything below a floor is routed for approval first.
4
Send and lock
The term sheet goes out and the rate lock starts its clock.
Fewer surprises
Every rate comes with its reasons
When a borrower or an investor asks why a loan priced where it did, the answer is on the quote: the rule set, the adjustments and any approval.
1rule set every officer quotes from
Book a Demo Good fit
Who gets the most from rule-based pricing
- Lenders with several programs and different grids for each
- Teams adding officers who need to quote correctly on day one
- Funds with investor guidelines on minimum margins
- Managers who want to see exceptions before they go out
- Shops changing rates often without emailing a new spreadsheet
- Anyone audited on how loans were priced
One platform
The other modules
Every module reads the same loan record, so adding one never means another import.
Loan Origination SoftwareIntake, underwriting and closing in one fileExplore Loan Origination Software
Get started
Bring your rate sheet to a demo
Book a walkthrough and we will set up a sample rule set from your grid and price a loan with it.
