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Intelligent Price Differentiation


BBA's MortgageRetainer is a mortgage renewal platform developed for financial institutions that either hold or distribute conventional residential mortgages.

MortgageRetainer uses a build-up approach for mortgage pricing by considering default prepayment, and funding volatility risk for each mortgage transaction in the renewal pool. Using advanced Rest API technology, the MortgageRetainer platform also helps managers develop business plans very quickly.

Core Benefits

Standardized Pricing

MortgageRetainer offers a set of performance metrics that allow meaningful and uniform comparison across all lending activities (with varying risk characteristics) and portfolios.

Pricing Scenarios

Using an advanced pricing algorithm, risk, and funding costs as the basis for determining a customer's willingness to pay.

Level Playing Field

Identify customer response to price across different products, markets, and tranches. MortgageRetainer helps create a level playing field for mortgage loans of varying risk characteristics.


  • Net Present Value (NPV) based breakeven margin adjusted for the transfer pricing of the base rate, pre-payment risk, tenor, liquidity premium, and Expected Credit Loss.
  • Pricing options using supply and demand dynamics.
  • Value-based performance measurements.


Data Ingestion

Seamless data ingestion or option to upload data manually.

Renewal Workflow

This workflow conducts analytics, derives optimal offer rates and automates issuance of commitment letters.

New Originations Module

Using Rest API, this module provides a snapshot view of each transaction based on the hurdle rate.

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