With the new year coming in hot, you’re probably thinking about your personal resolutions for 2026. Why not set some goals for your business, too? By optimizing your tools and processes in the coming year, you set your team and your lending institution up to thrive.

For any lending company, the product pricing engine (PPE) is a core piece of the puzzle here. With the right platform, your loan officers can seamlessly price loan scenarios and lock in rates. You can also analyze trends and integrate the pricing engine’s data with the rest of your tech stack. That should include your loan origination system (LOS) and your customer relationship management (CRM) platform.

That all assumes that you have a quality PPE working for you. If you want to make a resolution to finally get a leading-edge pricing engine in 2026, here are five we recommend: 

#1: Optimal Blue

The Optimal Blue® PPE has been a leader in the space for a while now — and for good reason. If you’re working at a bank, credit union, or other large-scale lending institution, this enterprise-grade solution could be right for you. 

Optimal Blue offers loan pricing from hundreds of investors for a wide variety of loan types, including conforming, non-conforming, and government loans. With a wide range of loan scenarios on the table, your loan officers can competitively and quickly price options for individual leads. 

On top of this, Optimal Blue builds in guidelines to help your team deliver pricing that’s compliant and non-biased. This is particularly helpful if you’re operating across multiple branches. 

The PPE includes automation that helps your team do more in less time, too. You can apply the engine’s automation to both initial lock and post-lock workflows, helping your team see efficiency gains across the lead’s entire lifecycle. Optimal Blue also offers an Originator Assistant backed by generative AI. 

Finally, this pricing engine includes application programming interface (API) functionality. That makes it easier to connect the pricing data with other tools your team uses. 

#2: Loansifter by Optimal Blue

Under the same umbrella, you’ll find Loansifter. This PPE taps into Optimal Blue’s capital markets network, but it’s better geared toward independent brokers and smaller originators. 

Specifically, Loansifter connects brokers with loan options from more than 120+ wholesale investors. With Quick Quote, you then get the ability to deliver accurate pricing from those investors at the speed today’s borrower expects. 

Loansifter also has a partner network to make it easier to integrate this PPE with other tools in your stack (including BankingBridge). 

For smaller teams that want the power of the Optimal Blue network at a cost more reflective of their current scale, Loansifter is a great option. 

#3: Mortech

Like other PPEs, Mortech delivers accurate loan pricing nearly instantaneously. It allows loan officers to price scenarios using automation, which pulls up options with the click of a button. Eligibility for the loan — and the need for PMI — get built directly into loan pricing with Mortech, ensuring scenarios align with investors’ requirements.  

Even with all of this automation in play, this PPE doesn’t deliver one-size-fits-all pricing. Instead, your loan officers can tweak results as needed to best serve leads. Mortech lets them customize margins and adjustments for each individual borrower. 

This pricing engine also features a mortgage insurance (MI) integration. This lets your loan officer get instant access to MI quotes from a range of companies. That, in turn, helps them give leads the clearest possible idea of what the loan will truly cost. 

Mortech doesn’t lose out to Optimal Blue in terms of network scale, either. It’s part of the Zillow Group, which means it has a major organization behind it. The PPE connects your team to rate data from hundreds of investors.

It offers a partner network and API functionality, too. 

#4: Polly

If you like sleek new technology, consider Polly. The company was founded by industry veterans who wanted to see more from a PPE. 

The pricing engine Polly delivers today offers rate data from hundreds of investors for conforming, non-conforming, government, and other types of loans. It includes rule configuration, including margin management, through logic management tools that were designed to be user-friendly. You can create those rules, along with new products, with Polly’s no-code functionality. And the PPE offers an automated lock desk, too. 

The pricing engine helps your loan officers find the right options for leads. Your team can run multiple loan types simultaneously. With version control and historical data, it allows your LO to look back on what’s been offered in the past to better serve leads today. 

Perhaps best of all, Polly is cloud-native and mobile friendly. Your loan officers can accurately price scenarios anytime, anywhere so an opportunity never slips by. 

#5: Lender Price

Another cloud-native option, Lender Price is designed to support lenders of all sizes. That said, it has some big names in its corner, including Mr. Cooper, PennyMac TPO, and Freedom Mortgage. 

Its enterprise pricing engine brings together wholesale, retail, and correspondent investors in one platform. Using the latest technology, Lender Price then helps loan officers price scenarios faster (5–10x faster, the company claims) with no downtime ( Lender Price claims zero latency). Your team can configure workflows within the pricing engine to customize your rate lock and concession management processes. 

If you’re a non-QM or non-agency lender, you should explore FLEX by Lender Price. It’s tailor-made for you. 

‍

These are some of the biggest names in PPEs, and for good reason. These pricing engines are tried and tested by a variety of lending institutions. Our team has extensive experience helping mortgage teams best use these PPEs (specifically by connecting the pricing data to our suite of customer-facing tools). 

Because of that experience, we have some insider information about what works well (and what needs improvement) with each of these tools. If you want to talk to our team to explore your options — and see how they can connect to BankingBridge to drive closed loans — contact us. Book a demo today. We’re here to come alongside mortgage lending teams to help them tap the latest technology to do more with less. 

‍