RateGuru · AI mortgage optimization

Find the loan your borrower can actually get.

When a borrower doesn’t qualify or pricing comes back empty, RateGuru analyzes the profile and returns realistic paths to approval, plus better-priced options for loans that already qualify.

Used by leading mortgage lendersSOC 2 Type I & IIFair-lending guardrails

See RateGuru on your pipeline

A 30-minute demo using scenarios like yours.

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10%*of ineligible scenarios matched to a qualifying product
20%*of locked and funded loans optimized to a better product
1,000s*of loan applications analyzed every week
10,000+*loans covered

How it works

A second look at every loan, in seconds

RateGuru runs inside your point-of-sale and pricing tools, so loan officers see options where they already work.

  1. 01

    Score every application

    Profile, loan parameters and program constraints, checked the moment pricing fails or a loan locks.

  2. 02

    Find the realistic path

    Qualification paths, loan structure, affordability, pricing scenarios and credit actions, ranked.

  3. 03

    Show it to the loan officer

    Clear, explained recommendations in the tools your team already uses, ready to discuss with the borrower.

Illustrative example

What RateGuru finds

More approvals, better-priced loans

Two kinds of revenue most pipelines leave on the table.

10%*of ineligible scenarios get a realistic path to a qualifying product.
20%*of locked and funded loans get a better-optimized product option.
✦

Expand qualification paths

Finds the changes that move a borrower from no to yes.

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Optimize loan structure

Recommends program, term and structure changes that fit the borrower better.

✦

Improve affordability

Suggests debt and credit actions that improve eligibility.

✦

Enhance pricing options

Surfaces alternative pricing and rate scenarios without manual re-pricing.

✦

Only realistic options

If a borrower has more than one disqualifying reason, RateGuru doesn’t show options, so every suggestion is within reach.

✦

Responsible by design

Fair-lending guardrails, explained recommendations and full monitoring on every decision.

See what your pipeline is missing

We’ll run RateGuru against scenarios like yours in a 30-minute demo.

Get a demo

* Figures are from Prajna production deployment data at a U.S. mortgage lender, 2026. Percentages are averages and vary by lender, product set and borrower profile. RateGuru recommendations support loan officers’ decisions; they are not a commitment to lend, an offer of credit or a guarantee of approval or pricing.