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Decisions

Loan comparison and borrower presentation software for mortgage brokers.

Enter the options you quote from your pricing engine and present them in the borrower meeting, with APR, cash to close and total cost on every option. Sending by secure link or PDF is in development.

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Back to the buildPreview for Dana Miller · Nothing has been sentPresenter notesFull screenSend to Dana
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Why it fits Dana
4 · Why It Fits You

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Your costs, side by side

Rates as of Sep 1, 2026

Standard rate

Monthly payment

$2,657.79

Cash to close

$74,800

APR6.724%
Rate6.500%

Lower rate, points up front

RECOMMENDED

Monthly payment

$2,579.52

Cash to close

$78,300

APR6.449%
Rate6.125%

Lowest cash at closing

Monthly payment

$2,737.34

Cash to close

$70,000

APR6.957%
Rate6.875%

$390,000 purchase, $320,000 loan, 30-year fixed. Payments include property taxes, homeowners insurance and mortgage insurance. APR counts every closing cost and point as a finance charge.

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6 · Your Costs Over Time

 5 of 7

Presenter notes · only you see these
Start with the middle card: Dana said monthly payment matters most. Then point to cash at closing on the right if she asks about keeping more in savings.

Illustrative — not live data. Lenders, people and figures are invented. Full-screen presenting and sending to the borrower are in development.

Features

Side-by-Side Comparison

Payment, cash to close, APR, points and total cost for each option, at 3 and 7 years by default.

Borrower Presentation

A step-by-step presentation for the borrower meeting, with presenter notes only the loan officer sees.

Branded DeliveryIn development

Secure link or PDF with the loan officer's name, NMLS ID, company and logo.

Decision Record

The option selected and the reason given, each entry time-stamped and attributed.

Pipeline DashboardIn development

Comparisons built, sent, opened and applied, with follow-ups flagged.

Minimal Data

Borrower name, email and phone. No income, assets, credit report or Social Security number.

Side-by-Side Comparison

The options you quote, compared at 3 and 7 years by default against a benchmark option you set. You can change the time frames.

  • APR beside every rate, never smaller than the rate.
  • Seven steps from borrower details to the finished presentation.
  • You choose the options the borrower sees.
DecisionsDashboardComparisonsPartners+ New
Dana Miller Purchase · $390,000 · 418 Harbor Lane, EmersonSaved 11:51 AMPreview presentation
  1. ✓Consumer
  2. ✓Goals
  3. ✓Assumptions
  4. ✓Options
  5. Kestrel Wholesale Lending
  6. Alderway Home Loans
  7. Tidewell Mortgage Funding
  8. 5Compare
  9. 6Recommend
  10. 7Present

Compare

2 years5 years
BENCHMARKKestrel WholesaleAlderway Home LoansTidewell Mortgage
APR6.724%6.449%6.957%
Rate6.500%6.125%6.875%
Points0.000%1.000%−2.000%
Closing costs$4,800$5,100$4,600
Term360 months360 months360 months
Monthly payment$2,657.79$2,579.52$2,737.34
Cash to close$74,800$78,300$70,000
Remaining balance after 5 years$299,555.13$298,230.24$300,815.19
Interest and up-front costs, 5 years$105,712.19$103,191.47$106,945.52
Show to borrower

Illustrative — not live data. Lenders, people and figures are invented.

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Branded DeliveryIn development

Your name, NMLS ID, company, logo and headshot on every page, with your meeting and application links. The secure link opens once the borrower confirms a detail they already know. Every presentation and PDF is dated, with the rates' as-of date.

ON EVERY BORROWER PAGE

[Headshot]

Harriet Calloway

Loan officer · Emerson Ridge Mortgage
NMLS #000000

Book a meetingApplyEmailCall

OPENING THE SECURE LINK

Harriet Calloway sent you a loan comparison

Enter the last four digits of your phone number to open it.

Last four digits

Open my comparison

Prepared Sep 1, 2026 · Rates as of Sep 1, 2026

Illustrative — not live data. Lenders, people and figures are invented.

Decision Record

The option selected and the reason given, each entry time-stamped and attributed to the borrower or the loan officer. The borrower answers at the end of the presentation. The loan officer completes anything left blank.

Dana Miller Purchase · 418 Harbor Lane, EmersonPresented Sep 3, 2026

What Dana decided

You recommended
Lower rate, points up front
Loan officer · Sep 2, 2026, 4:05 PM
Chose
Lowest cash at closing
Dana, borrower · Sep 3, 2026, 7:42 PM
Main reason
Less cash needed at closing
Dana, borrower · Sep 3, 2026, 7:42 PM
In her words
"I'd rather keep more in savings for the move."
Dana, borrower · Sep 3, 2026, 7:43 PM
Why the other options weren't taken
Would take the point if the seller covered it
Loan officer · Sep 4, 2026, 9:10 AM

Illustrative — not live data. Lenders, people and figures are invented.

DecisionsDashboardComparisonsPartners+ New

Good morning, Harriet

Comparisons built4
Presentations sent2
Opened by the borrower1
Applications1

Activity by month

BuiltSentOpenedApplications

01234JulyAugustSeptember

Needs you

  • Thanh Nguyen · pricing is 4 days oldRefresh
  • Dana Miller · opened, no decisionFollow up

Illustrative — not live data. Lenders, people and figures are invented.

Pipeline DashboardIn development

Comparisons built, sent, opened and applied. Stale pricing and comparisons opened without a decision are flagged for follow-up.

Minimal Data

Borrower name, email and phone, with the loan terms and the property. No income, assets, credit report or Social Security number.

Does Decisions qualify the borrower or price the loan?

No. Pricing stays in your pricing engine. Decisions compares the options you enter from it.

Early Access

Decisions runs on its own, beside the origination system your shop uses today.

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