Close more loans.
Guess less.
LoanIQ is the toolset producing LOs use to close more loans. Faster scenarios. Sharper comparisons. Smarter guideline help. Built by an active loan officer, for loan officers.
14 days free. Card collected up front. Cancel anytime during the trial.
Five tools. One workflow.
Market Desk is your morning dashboard. The other four move specific parts of your day faster so you close more files.
Open LoanIQ. See where rates are. Know what to do today.
Live Treasury yields, Freddie Mac PMMS averages, mortgage-bond pricing, and a plain-English market read for the day. Updated every weekday morning at 9:55 AM CT. The first thing you see when you sign in.
- Live status bar across the top: 10Y, 2Y, 30Y mortgage avg, yield-curve spread
- Five rate cards anchored on the 10Y (the primary mortgage-bond driver)
- Daily plain-English commentary from the LoanIQ Market Desk — written so a brand-new LO can follow and a 20-year senior LO finds it useful
- One-click AI Tools turn the morning brief into a 30-sec video script, social caption, client email, or agent partner update — in your voice
- FRED + Yahoo Finance public-domain data. No licensed feeds. No third-party redistribution risk
Send real numbers in under a minute.
Full PITIA on screen (principal, interest, taxes, insurance, MI, and HOA), with a payment-composition chart and full amortization schedule. One click to PDF, email, Ask Lola, or hand off to Loan Comparison.
- Conventional, FHA, VA, USDA. Full fee engines with MIP, funding fee, and guarantee fee math built in
- ZIP-based property tax + insurance defaults. Type a ZIP and realistic numbers populate
- Credit score slider drives MI / PMI factor live. No separate lookup table
- "Ask Lola" panel right next to the numbers. Borrower questions answered without leaving the calc
- Lola drafts the borrower email. You come across as the expert, sound advice in your voice, ready to send in one click
Qualifying income, the way underwriting calculates it.
Fannie Form 1084 logic, multi-borrower, multi-business, with tax-return line hints, declining-income detection, and a confidence trail you can hand to UW. Income OCR is included on every plan — drop in the PDF and the numbers populate.
- Multi-borrower and multi-business per file. Co-borrower math never bleeds across
- Five entity types for SE: Schedule C · Schedule E · 1120S · 1065 · 1120
- Tax-return line hints on every input ("Schedule C, Line 31"). No flipping back to the return
- Declining-income detection: Y2 below Y1 switches to most-recent-year and warns when the drop crosses 10%
- Income OCR included — Cloud Vision + server-side PII redaction + AI extraction. Borrower data is sanitized before any AI call
Move faster on tough files.
Answer "can we do this?" in seconds, not days. Lola reads 48+ program guidelines across agency, government, and non-QM, and surfaces a path forward whenever one exists. You stop waiting on UW to keep the deal moving.
- Investor-aware retrieval across Fannie, Freddie, FHA, VA, USDA, and non-QM overlays
- Matrix-row parsing makes FICO, LTV, DSCR, and reserve grids searchable as actual rows instead of paragraphs
- Path of least resistance ranking: viable executions sorted by friction so the cleanest option comes first
- Calibrated confidence on every answer, with a one-click AE clarification email built in
Non-QM 1-yr self-employed is the cleanest: Deephaven and Angel Oak both allow 1 year of self-employment with 20% down, 680+ FICO. Investment OK.
DSCR skips income entirely: the loan qualifies on rent alone. With 720 FICO and 20% down, you land in the best matrix row across multiple investors, qualifying at 1.0 DSCR.
Close the decision. Stop losing deals to "let me think."
Build scenarios in minutes, share a branded link, and let your borrower interact with the numbers live. The right choice becomes obvious, and your file moves from "maybe" to "yes" faster.
- Up to 5 scenarios per comparison, with a fee template seeded from professional defaults and fully tunable. Save unlimited comparisons.
- Public share link with "Sandbox mode" so borrowers can tweak price, down, tax, and insurance live
- Cobrand partners: attach a Realtor, CPA, or insurance partner to every shared link
- Auto-saved snapshots so the LO's view and the borrower's view stay in sync
An AI that actually knows the guidelines.
Lola is the underwriting intelligence behind every LoanIQ surface. Trained on agency, government, and non-QM playbooks, she reads fee sheets, drafts your borrower-ready emails, and finds a path forward on files that would otherwise stall. Built to move your pipeline, not replace you.
See Lola in actionThe producing LO's toolkit.
LoanIQ is built for one person: the active loan officer. Every feature ties back to helping you close more files.
Answer "what should we do?" in seconds.
Structure the file. Model the options. Send a clean comparison. Close the loan. All without rebuilding a spreadsheet. Scenario Desk has your back when the guideline call isn't obvious, so every file has a path forward.
See the decision. Not a sales pitch.
Side-by-side comparisons that lead with the numbers and name the tradeoff in plain English. Buy down the rate or keep cash? Your borrower sees the better move, so fewer files stall at "let me think about it."
Close more loans. Guess less.
Solo $50/mo · Pro $100/mo · Team $375/mo for 5 LOs. 14-day free trial on every plan. No charge for 14 days. Cancel anytime.