Compass Analytics Technology Solutions Mortgage capital markets software and services for every point in the residential mortgage value chain.

What we provide

Our platform is revolutionizing the way home loans are formed and sold through the use of innovative real-time technology that we support with services, expertise, and guidance.
  • Originators
  • Secondary
  • Investors
  • Servicers

Lock, Re-Lock & Extend Loans On The Go!  

CompassPPE™ allows you to conduct business anytime, anywhere.  Our modern platform and intuitive screens simplify your workflow and save time you previously spent researching and working through lock issues.

Automated Locking To Minimize Manual Touch Points 

With AutoLock℠ locks can be automatically approved within CompassPPE™ so there is virtually no time lag between lock request and confirmation.  Communicate to your borrowers with the confidence of knowing your locks are being confirmed in near real-time.  Even exception requests are automated by workflow queues for the lock desk, origination managers and originators.

Pre-Saved Loan Scenarios To Review Common Rate Quotes 

CompassPPE™ lets you maintain a library of common loan scenarios so you are always able to provide the borrower an accurate quote. Choose from an inventory of your typical lock requests and review the pricing together, in the office from your desktop or on your mobile device on the road.

Innovative MI Capabilities 

CompassPPE™ sets the industry standard for mortgage insurance rate quotes.  At the time of lock, our platform reaches out to your approved MI partners and receives a live, real-time quote custom to your borrower’s situation.  This removes guesswork and lets you put your best foot forward as you quote the borrower.

Automatic Notifications Of Price and Eligibility Changes 

Our Pipeline Monitoring capabilities flag data changes within your LOS.  If those changes result in different pricing adjustments or eligibility changes, CompassPPE™ notifies you automatically.

Transparent And Accurate Pricing 

Transparency underlies everything we do at Compass Analytics.  Our intuitive screens clearly display all the components of your pricing so you can provide your quote with the confidence in knowing everything is accurate.

Time Saving Automation Tools 

CompassPoint™ simplifies processes that can cost your secondary marketing team hours each day.  From our suite of loan sale and pooling optimization tools to our rate sheet generation capabilities that let you create proprietary, white-labeled rate sheets in minutes, CompassPoint™ allows users to save time and improve quality!

Streamline Your Loan Sales Process 

CompassPoint™ offers innovative loan sale tools that are time-tested to support every loan sale strategy, be it securitization, agency cash, mini-bulk or co-issue.  Send and receive bids, commit loans via B2B integrations, execute sales quickly using our CompassPoint Agile platform, automatically save your best execution results for future evaluation, and use the industry’s best bid color analytics to help your investors to provide you the best possible prices for the products they want.

A Centralized Platform And Integration Hub 

Our library of APIs and third-party integration points allows lenders to avoid manual entry and re-entry of data.  Bi-directional LOS integrations, myriad pricing import capabilities, and innovative web service capabilities allow for loan data changes to be priced in real-time, setting the standard in risk management.

Indentify Profitable Originators 

Originator Scorecards let you identify which of your producers are consistently closing loans on time and with minimal Secondary interaction, and which of your producers need some help to avoid costly behaviors that increase hedge cost.  Compare their baselines both internally and against national peer groups to see how your team stacks up!

Take Control Of Your Profit Margins 

Compass Analytics offers the most powerful rate sheet and profit margin tools on the market today.  Lenders can create rate sheets at the channel, branch and originator level, all within one intuitive framework and without spending hours each day.  Dynamic margin management capabilities allow fine-tuned pricing to deliver the best prices for the most appropriate product to each applicant – all while optimizing volume and profitability.

Flexible Pipeline Risk Coverage Models & Reporting 

CompassPoint™ provides customizable risk reports that give you all the data you need to tune your pull-through model to your organization.  Implement your findings with a powerful, adjustable pull-through model that incorporates multiple variables and process stages to help align your model to better predict pipeline behavior.

Commitment To Pricing Transparency And Accuracy 

A core principle of Compass Analytics is our commitment to pricing transparency and accuracy.  We firmly believe there should be no middleman in your lender relationships and our reporting and loan sale tools facilitate this.

Find Out How Your Pricing Stacks Up Against The Competition! 

With CompassDirect™, investors are able to use interactive reporting to see how their pricing stacks up to the competition for a given lender.  Filtering capabilities allow you to drill down to specific scenarios to see where you are competitive and where you need to sharpen your pencil.

Tools To Support Lender Communication 

CompassPoint™ offers loan sale tools that allow for the easy exchange of bid color.  Lenders are able to quickly pass along how your price stacks up intra-bid, giving you the opportunity to step up your prices where applicable.

Bulk Bidding Tools And Analytics 

More than 500 mini-bulk bids are processed daily using the CompassPoint™ bulk-bidding automation tools – volume exceeds $6 billion/day.  Buyers are able to derive pricing, manage margins, send bid indications and more, all automatically and from one self-contained platform.

MSR Modeling - Granular Outputs 

CompassPoint™ allows you to review and export each component of your valuation, either as results output or cash flow variables.  There is no “black box” with CompassPoint™, only full control and the ability to validate the impact of your inputs.

Stress Testing To Understand Your Asset 

Users can configure stress scenarios to review the impact of increasing prepayments, reduced recapture, crisis-level default or any number of model variables.  Each set of results is preserved in distinct tables so you may review each scenario independent of each other.

Understand Your Prepayments By Originator 

Implement Compass’ branch and LO-level prepayment reporting to assess how origination patterns impact servicing performance.  Use CompassPoint™ to dial in your retained MSR valuations and make better retain/release decisions in light of originator tendencies.

Evaluate Loan-Level IRRs At The Time Of Best Execution 

CompassPoint™ provides modeled MSR values – not simple servicing value matrices – so that you incorporate MSR values that align with your third-party mark vendor’s model – or your own – when you make the retained/released decision.  True Best Execution requires this level of rigor.  

Reconcile Valuation Changes With Attribution Reporting 

Monthly portfolio valuation changes are simplified with CompassPoint™.  Intuitive, granular reporting groups valuation changes for attribution analysis so you can see the impact of changes in yield curves, pay downs, escrow changes and more.

Prepayment Model Flexibility 

CompassPoint™ offers integrations to AD&Co’s LoanDynamics model, as well as Black Knight’s AFT™ prepayment and credit models.  Users are also free to import their own CPR curves, if desired, to review specific scenarios and potential model behaviors.