Key points:

• The best product pricing engines today include Optimal Blue, Polly, Mortech, Lender Price, and Loansifter.
• All of them aggregate pricing information for standard loan products, jumbo loans, and even some non-QM products. 
• APIs can offer more functionality with these pricing engines, helping you display their rates on your mortgage website. 
• The right option for your lending institution depends on your size, the loan products you offer, and other factors specific to you.

Technology has made modern life easier in a myriad of ways. That’s particularly true for mortgage lending institutions. With product pricing engines (PPEs), your team can easily see real-time pricing for a range of investors, then conveniently price loans for leads. The work of exploring loan options and pricing scenarios gets faster and easier. And that allows your loan officers to better serve your customers.

In 2026, the question isn’t: Does your mortgage company need a pricing engine? The question is: Which PPE should you choose? And how can you tap it to display live mortgage rates on your website?

To help there, let’s weigh five of the top options today: Mortech, Polly, Lender Price, Optimal Blue, and its broker-focused subsidiary Loansifter. 

Your overview: Optimal Blue vs. Polly vs. Mortech vs. Lender Price vs. Loansifter

There’s a fairly simple first step in finding the right pricing engine. Check to see if it offers the features you need. 

This comparison table can give you a quick overview of what’s on offer from each of these platforms. A checkmark indicates that the pricing engine supports that feature. A checkmark and a plus sign indicate that they’re particularly strong in that area. A check mark with a minus symbol shows that the platform technically does support that feature, but your options in that category might be limited.

Clearly, these pricing engines can all compete with one another. They all deliver on most of the features that lending teams require. So you may not have a clear frontrunner yet. Knowing a bit more about each of these PPEs can help you identify your company’s best option.

Optimal Blue

The big and longstanding player in the game, Optimal Blue tends to work well for companies that need enterprise-level support. In other words, if you’re a large lending institution, particularly one with multiple locations, it could be right for you.

This pricing engine gets backed by a sizable investor network. It’s also strong for secondary marketing. But it tends to be costly and can be complicated to set up. 

From a rate display standpoint, Optimal Blue offers multiple options. The company has a direct rate widget you can deploy on your site. Or you can feed info from the pricing engine to your rate display tool of choice. 

Polly

Polly’s newer to the game. It was built as a cloud-native, API-first solution. If you care about a sophisticated but easy-to-navigate user interface that’s available on mobile, it could be a good fit. The same is also true if you’re looking to unlock more potential when it comes to automation.

The main drawback with Polly is its pricing. It gets tailored to your lending institution’s size and volume, and lower volumes tend to come with higher costs. 

Polly doesn’t offer its own rate display widget, but you can still get live rates on your site via Polly through an API. Our rive mortgage rate display tables work with Polly, for example. 

Mortech

If Polly is one end of the spectrum — the leading-edge side — Mortech falls closer to the other. It’s fairly old-school in its interface and user experience. That works well for some teams because it’s simpler to use. There’s a reason a lot of banks and credit unions have used Mortech for years and years. 

The pricing engine does include a variety of integrations. That includes options to connect Mortech to rate marketplaces, loan origination systems, mortgage CRMs, and secondary marketing tools. 

To display Mortech’s rates on your site, you can tap into the seamless data transfer the company has established with our rate table tool. 

Lender Price

If your team needs flexibility, Lender Price could have a solution that fits particularly well. The company offers an enterprise PPE, but it also has a custom-built option for non-QM products (FLEX by Lender Price). It’s also a cloud-native, AI-backed solution with robust API functionality.

For displaying live mortgage rates on your site, Lender Price has a variety of pre-built options. Those include rate tickers, graphs, and pricers. It also offers APIs to connect pricing data to your rate display tool of choice. 

Loansifter

Loansifter is Optimal Blue’s solution specifically for mortgage brokers. It’s more cost-effective than many other PPEs, designed to support independent brokers and smaller teams. 

Loansifter’s options for displaying rates on your site are limited, but we can help. Our rate table pulls Loansifter data over so you can showcase live mortgage rates on your website. 

Deciding what’s right for your lending institution

For many lending teams, the right pricing engine comes down to the best value for the cost. For smaller teams and independent brokers, Loansifter often emerges as the frontrunner. It’s hard to beat the $79/month price point.

With that exception, everything else we’ve explored on this list gets quoted based on your team size and your volume. For large enterprise lenders, Optimal Blue tends to offer the robust features required backed by a massive investor network. Community banks and credit unions often prefer Mortech for its stability and ease of use. Lender Price and Polly stand out if your team wants leading-edge tech behind it. 

The best option also comes to what will integrate well into your existing tech stack or work with future tools you want to deploy. 

If you’re looking into a pricing engine to help you bring live mortgage rates to your website, we’ve got good news. Our rate tables work with all of these PPEs. We help you get set up with a no-lift way to seamlessly and continuously display real-time mortgage rates. Book a demo with us today. 

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