Mortgage pricing waits for no one—especially in volatile rate environments.

Cloudvirga, a Stewart-owned provider of digital point-of-sale platforms for lenders, has announced a certified integration with Optimal Blue’s Product and Pricing Engine (PPE). The move brings real-time pricing and eligibility data directly into Cloudvirga’s Loan Hub, giving loan teams the ability to generate consumer-ready pricing scenarios at virtually any stage of the borrower journey.

For lenders juggling rate shoppers, walk-ins, and in-flight applications, that kind of immediacy can mean the difference between a locked loan and a lost opportunity.

Real-Time Pricing, Inside the Workflow

Loan Hub functions as a centralized workspace for origination teams, allowing them to manage pipelines, collaborate with borrowers, and complete tasks from a single interface. With the Optimal Blue integration, pricing intelligence now lives directly within those workflows.

Loan officers can generate product and pricing options in two key ways:

• By capturing borrower details through the Shop for Rates experience—useful for early-stage prospects or rate shoppers.

• By leveraging verified data from an active application to produce comprehensive pricing output.

Instead of toggling between systems or relying on static rate sheets, teams can access live pricing and eligibility data while the conversation is happening.

In a market where interest rates shift quickly and borrowers comparison-shop aggressively, that responsiveness isn’t just convenient—it’s strategic.

Side-by-Side Comparisons and Instant Conversions

The integration goes beyond simply pulling rates. Loan teams can:

• Compare up to three product options side by side

• Convert a pricing lead into a full application on the spot

• View previously generated pricing reports tied to a loan file

• Send PDF comparison reports directly to borrowers

• Apply selected pricing details into the loan record once a choice is made

This tighter loop between pricing and application reduces friction and manual re-entry. It also supports transparency, giving borrowers clear, documented comparisons before they commit.

For lenders, that means fewer dropped leads and a smoother transition from rate inquiry to formal application.

Why PPE Integration Matters

Optimal Blue’s PPE is widely used across the mortgage industry for real-time product eligibility and pricing. By embedding it directly into Loan Hub, Cloudvirga eliminates the context switching that often slows down loan teams.

Pricing engines have long been critical infrastructure in mortgage lending—but historically, they’ve lived in separate systems. Integration into the point-of-sale layer reflects a broader fintech trend: collapsing silos between front-end borrower experiences and back-end pricing intelligence.

That convergence is increasingly important as lenders compete on speed, accuracy, and digital experience.

Building a Connected Lending Stack

The Loan Hub integration complements Cloudvirga’s broader platform ecosystem.

Its Tropos portal guides borrowers from application through clear-to-close in a consumer-friendly interface. Meanwhile, the admin portal introduced in mid-2025 gives lenders control over settings, permissions, and workflow configurations.

Together, these tools aim to create a flexible, borrower-first digital environment that can adapt to market swings and operational demands.

In today’s mortgage climate—marked by fluctuating rates, tighter margins, and higher borrower expectations—speed and clarity are competitive differentiators. Lenders need to deliver accurate pricing instantly while maintaining compliance and documentation integrity.

By embedding real-time PPE data into daily workflows, Cloudvirga is positioning Loan Hub as more than a task manager—it’s becoming a pricing command center.

The Bigger Picture for Mortgage Tech

The mortgage tech stack is undergoing consolidation and deeper integration. Lenders are increasingly looking for platforms that unify origination, pricing, compliance, and borrower communication.

Real-time pricing at both the lead and in-flight stages reflects a shift toward continuous engagement. Instead of treating pricing as a one-time quote, lenders can now update and refine options as borrower data evolves.

That dynamic capability aligns with modern borrower expectations: transparency, speed, and digital convenience.

For loan teams, fewer system hops and faster quote generation can translate directly into higher pull-through rates.

And in a rate-sensitive market, that’s a meaningful advantage.

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