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Best in the Industry Loan Analysis Tools:

Originators can request Max LTV, Max CLTV, Max Cash-Back and Minimum Score determinations. The system will also provide a list of loan products which meet the specific loan profile.


With the increasing number of loan products being offered, the iMort™ Engine is the first decision technology that allows the user to compare multiple products at one time.

iMort™ Engine

The iMort™ Engine is a rules-based product, pricing, and prequalification technology built to enable Lenders, Originators, and Consumers to take advantage of a multitude of program and pricing options in a matter of seconds.  Using millions of product and pricing variances, the iMort™ Engine analyzes borrower and property information to determine what loan programs, products and pricing are best suited for the borrower. 

When a difficult loan scenario is determined, a counter-offer is generally provided, rather than a ‘no program match’ message like other systems.  With the increasing number of loan products being offered (i.e. 40 Yr Amortization and various I/O periods), the iMort™ Engine is the first decision technology that allows the user to compare multiple products at one time.  Mortrax developed its true_BestEx pricing architecture to enhance the iMort™ Engine with the most sophisticated Best Execution pricing analysis in today’s marketplace. When it comes to pricing, there is absolutely no comparison. 

iMort™ Engine features include:

  • 1st and 2nd lien transactions, including combos
  • Conforming, FHA/VA, Jumbo-A, ALT-A, and Subprime transactions
  • Special Features such as Flex 97, Flex 100, Flex 80/20, My Community, ALT 97, FHLMC 100
  • Credit Levels including EA1, EA2, and EA3 (with TPR options) as well as Aminus 1-5
  • Over 160 loan products are supported (including 40 Yr Amortization and 1-15 Yr I/O periods)
  • Eight (8) products can be chosen in a single search for pricing comparisons
  • Fifteen (15) prepayment types
  • Counter-Offers for difficult loan scenarios
  • Maximum LTV/CLTV loan scenarios
  • Maximum Cash-Back scenarios
  • Minimum Credit Score scenarios
  • Margin buy-ups and buy-downs for ARM loans
  • Various interest rate caps can be chosen for ARM loans
  • Online Ratelocks, including margin, cap, and current index information
  • Instant market price changes for the Originators; no more delays with rebroadcasts of a ratesheet
  • Originator prices are published by Secondary Marketing using market indicator values
  • Secondary Marketing receives real-time price execution
  • Coming Soon: Prequalifications with detailed processing, underwriting, and closing instructions

Join the quickly growing list of Mortrax customers, and you will witness an evolution in your business model.  To learn more about the benefits of the iMort™ web-based technology and whether it is the best option for your origination process, contact a Relationship Manager at (305) 444-9010 or (888) 554-9010.