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13 September 2025 M T E C H September 2025 » themortgagepoint.com LENDER TOOLKIT INTRODUCES REDESIGNED PRODUCT SUITE T he redesigned product suite and market positioning of Lender Toolkit as a Mortgage Efficien- cy Cooperative have been formally introduced, with the goal of eliminat- ing piecemeal tech stack confusion, integration issues, and vendor fatigue. Lender Toolkit provides a smoothly integrated ecosystem of professional services, plug-ins, and automation tools that cooperate. "The industry is drowning in dis- jointed solutions," said Brett Brumley, CEO of Lender Toolkit. "We're not here to be another logo in your vendor binder. We're building a connected ex- perience that solves the real, operational bottlenecks lenders face every day with one team, one toolkit, and zero chaos." The redesigned product suite includes: • Prism: An all-in-one automation en- gine for data, income, asset analysis, and decisioning. • Disclosure Automation: Ensuring compliant and timely disclosures, while cutting costs. • Post Close Automation & Investor Delivery: Speeding up delivery, and improving data integrity. • PowerTools: Plug-ins that enhance your LOS. • Professional Services: Hands-on consulting, admin support, LOS web readiness, and workflow optimization. When combined, these technologies have the ability to break down organiza- tional walls, lower overhead, and enable lenders to optimize their processes without having to do it themselves. With fewer vendors and a simpler tech stack, Lender Toolkit's coopera- tive model provides an edge to lenders seeking to minimize expenses, shorten time-to-close, and enhance the overall borrower experience. OPTIMAL BLUE ENHANCES ITS PPE ENGINE O ptimal Blue has announced a new capability in its pricing and eligibility (PPE) engine that au- tomates the process for a lock desk user to execute best efforts locks directly with participating investors via API. By elim- inating the last remaining manual step in the locking life cycle, Optimal Blue is helping to deliver innovations and enhancements that will help increase a lender's efficiency and profitability. "This is a game-changer for capital markets teams that will save an average of 15 minutes per loan, which is hours saved per day," said Tiffany McGarry, VP of Product Management at Optimal Blue. "Lock desk users can now com- plete the entire best efforts lock trans- action from within the Optimal Blue PPE–no toggling between systems, no rekeying of data and no lost time. It's a meaningful step forward for day-to-day productivity that helps protect lenders against costly errors and compliance issues, while giving investors a more streamlined path to work with their originator partners." The Optimal Blue PPE already au- tomates loan pricing, lock requests and post-lock changes, and the company's hedging platform already supports auto- mation for mandatory execution. Until the release of this capability, completing a best-efforts lock required the lender's secondary desk to log in to the investor's portal and re-enter loan details by hand. This enhancement eliminates this last step to execute the lock, fully automat- ing the process. Best efforts lock requests can now be sent directly to an investor via API, reducing the time required from an average of 15 minutes per loan to just seconds. Loan data flows securely to the investor and back, keeping the loan origination system record up to date and generating a PDF confirmation that provides a clear audit trail and proof of execution. The feature is available at no additional cost to lenders and requires little to no setup or configuration. "The industry is drowning in disjointed solutions. We're not here to be another logo in your vendor binder. We're building a connected experience that solves the real, operational bottlenecks lenders face every day with one team, one toolkit, and zero chaos." —Brett Brumley, CEO, Lender Toolkit