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Ratelock®
Conduit & Loan Pipeline Management System
RateLock is a fully customizable platform to manage sellers, pricing, locks, diligence, and funding in one system.
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Overview
Fully customizable conduit counter-party and pipeline management system for aggregators.
RateLock centralizes and streamlines the management of the entire conduit process including products, pricing, adjustments, sellers, locks, announcements, confirms, notifications and funding schedules. The platform’s powerful tools provide deep customization, allowing the administrator to structure how sellers interact with the platform and products.
161+
Sellers actively locking loans in RateLock
19
Years as a trusted conduit management system
Features
Ratelock
- Comprehensive Conduit Management
- Seller Management
- Rate Locking
- Diligence Management
Comprehensive Conduit Management
Define open and closed dates and hours for locking and funding. Post announcements and documents. Upload base pricing and managing loan-level adjustments. Define lock, re-lock and extension terms.
Seller Management
Manage how sellers view and interact with the conduit platform including product types, pricing, lock limits, fees, confirmations and notifications.
Rate Locking
Upload base rates and manage loan-level pricing adjustments and pricing incentives for current or future dates. Ability for sellers to modify locks, extend or re-lock loans.
Diligence Management
Post-close loan file upload and initiation of due diligence including support of multiple review firms. Exception clearing activity is handled within the system.
“With RateLock, we’ve standardized how we manage sellers, pricing adjustments, and pipeline workflows, without forcing a one-size-fits-all model.”
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Mike Margolf, Managing Director, Secondary Market Technology
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Benefits
Streamline & Automate Operations
Streamline the management of conduit operations, from locking to diligence to funding with automated notifications and confirmation for locks / funding approvals.
Take Control
Define open days and times for taking locks and approving funding memos. Manage loan-level pricing adjustments and incentives with the ability to override as needed.
Retain Records
Loan records, pricing and funding memos retained on the system with activity dated and time-stamped.
Streamline & Automate Operations
Take Control
Retain Records
Streamline the management of conduit operations, from locking to diligence to funding with automated notifications and confirmation for locks / funding approvals.
Define open days and times for taking locks and approving funding memos. Manage loan-level pricing adjustments and incentives with the ability to override as needed.
Loan records, pricing and funding memos retained on the system with activity dated and time-stamped.
Resources & Insights
Insights, perspectives & ideas from our team
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