Beyond Agency: Why Retail Lenders Are Turning To Non-Agency

In today’s fast-evolving mortgage landscape, retail lenders are being asked to serve more with less—more product options, more pricing precision, and more borrower flexibility, all while keeping compliance and profitability in check. Historically, loan officers’ primary differentiation has been service and speed.  Today, it takes that and more.  LoanNEX’s PPE was built to deliver more products with an unmatched ability to support Non-Agency. In 2025, it’s time to serve and look beyond that.

Retail lenders: LoanNEX was built for you.

A New Era of Access for Retail Lending Teams

LoanNEX Retail Qualifier opens an opportunity —it’s a complete solution for lenders looking to expand mortgage product access without disrupting their current workflows. Our integration with Encompass means your team can operate within your well-honed systems while gaining new visibility and access to programs beyond Agency programs.

Think of it this way: your loan officers don’t need to go out of their system to discover and price options for self-employed borrowers, investment properties, foreign nationals, and jumbo loans. In today’s market, having pricing options for second homes and high balance agency is crucial, as the private market often has better rates for your borrowers.   

LoanNEX has an easy solution to provide access to these programs without disputing your technology stack or processes. With LoanNEX, you open options and build confidence.:

It’s Not Just About Access—It’s About Execution

Today’s borrower needs options. Your team needs visibility. LoanNEX helps you deliver both.

Whether you’re managing high-volume agency loans or more complex Non-QM programs, LoanNEX provides real-time access to product eligibility, pricing comparisons, and execution strategies—all within a modern, intuitive UI. You can have it all expand product access in your LOS, maintain customized margins and workflows, access integrated non-agency decisioning with real-time visibility into the nuances of non-agency pricing and eligibility, and reduce manual processes.

As we like to say, “If you can’t see it, you can’t sell it.”

We’ve built LoanNEX so your team can easily see—and act on—every viable solution for your borrower, whether it’s a standard conforming loan, a second lien loan or a DSCR product.

Built to Coexist with Legacy Systems

Let’s face it: many platforms try to force you into a rip-and-replace model. Not us.

LoanNEX plays well with others. Our platform can coexist alongside your existing PPE, acting as a powerful supplement to extend your reach—especially when it comes to Non-Agency and investor-specific guidelines. With our open-architecture API, your data flows freely and securely within your LOS systems, enabling both innovation and efficiency.

We’re fully integrated into Encompass, and our expanding partner network gives you access to a wide array of investor products—all without changing your core tech stack.

From Lock Desk to Secondary: One Connected Workflow

Retail lenders shouldn’t have to juggle multiple systems to manage pricing, eligibility, and execution. LoanNEX unifies the entire secondary marketing workflow:

• Lock desk rules and automation
• Real-time pricing and guideline updates
• Seamless delivery to secondary
• Exception management is built right into the platform

This kind of automation doesn’t just reduce time and errors—it helps your team stay compliant, profitable, and scalable.

Success in a Purchase-Driven Market

2025 is shaping up to be a year of change. Speed, precision, and borrower trust are more important than ever. LoanNEX empowers retail originators with instant insight into loan options, helping them guide borrowers with clarity and confidence—even when the loan is anything but “vanilla.”

You can’t afford to guess. And with LoanNEX, you don’t have to.

We give you:

• Dynamic product eligibility
• Real-time pricing with investor-level insight
• Workflow-driven lock desk tools
• Intuitive decisioning that supports faster closings

Let’s Talk Numbers: Efficiency, Profitability, Confidence

Retail lenders using LoanNEX have seen measurable gains:

• Reduction in manual lock desk tasks by up to 50%
• Tap into the Non-Agency market without disrupting agency flow
• Reduce time and risk of errors with better investor visibility and execution
• Fewer loans falling through the cracks with a fully integrated specialized PPE

When your technology works for you, your people can focus on what matters most—serving the borrower.