WORKING DRAFT — Pending review by Lisa (CEO), Greg (President), and Jay (Operations). Not approved for publication.
Your Pipeline Is Leaving Money on the Table
It's 3:15 PM. Rates moved 12 basis points since your morning meeting. Your trader is toggling between six spreadsheets trying to figure out whether to deliver those 30-year conventionals to Investor A at yesterday's commitment price or roll them into next month's pool. Your analyst spent the first three hours of the day cleaning a correspondent tape that came in a different format than last week. Your shipping clerk just realized three loans are 48 hours from a pair-off deadline, and nobody flagged them.
This is a normal Tuesday for most secondary marketing desks.
And it's costing you real money.
What "Good Enough" Actually Costs
Take a mid-size lender running a $500M annual pipeline. Conservative estimates:
- Suboptimal investor selection: 3–5 basis points per loan. You're already choosing an investor — the question is whether you're choosing the best one after accounting for servicing value, delivery window, warehouse cost, and feature adjustments. On $500M, that's $150K–$250K per year left on the table.
- Manual data reconciliation: 2–4 hours per day of analyst time spent reformatting, normalizing, and fixing loan tapes before anyone can analyze them. That's a full-time salary spent on data janitorial work.
- Missed delivery deadlines: Pair-off fees run $500–$2,000 per loan. A desk shipping 200 loans per month that misses 5% of deadlines pays $5K–$20K per month in avoidable fees.
- Unquantified rate exposure: A 25-basis-point unhedged rate movement on a $500M pipeline is a $1.25M swing. If you don't know your net position in real time, you're not managing risk — you're hoping.
Add it up, and the typical desk is leaving $300K–$700K per year in identifiable, recoverable value.
Four Modules. One Integrated Platform.
PowerSeller covers the full secondary marketing lifecycle — from the moment loan data enters your pipeline to the day the investor confirms receipt of the document package. Four modules, built to work together, each solving a specific problem.
Data Manager — Clean Data In, Trustworthy Analysis Out
Loan data arrives from your LOS, correspondent sellers, servicing systems, and agency portals — each in a different format with different terminology. Data Manager normalizes everything through configurable conversion rules, so every downstream analysis starts from a single, trustworthy pipeline. Your analysts spend their time analyzing, not cleaning spreadsheets.
Secondary Manager — The Profit Engine
The flagship. Best Execution evaluates every permutation of investor, instrument, delivery window, and servicing strategy for every loan in your pipeline — then ranks them by total economic value. Trading manages the full lifecycle from commitment to settlement. Pooling optimizes loan-to-pool allocation with constraint-based eligibility rules. This is where the money is made.
Risk Manager — Know Your Exposure
Pipeline value changes with every rate tick. Risk Manager reconciles your loan positions against your hedge positions across multiple rate scenarios, gives you real-time net exposure, and includes SFAS 133 / ASC 815 hedge effectiveness testing. Built by practitioners who've managed hedge books through rate cycles — not a generic analytics tool with a mortgage skin.
Post-Closing Manager — Nothing Falls Through the Cracks
After the trade is made and the loan is closed, someone still has to deliver the complete document package to the investor on time. Post-Closing Manager tracks every document, every deadline, and every shipment — integrated with Trading and Pooling so the delivery workflow starts automatically when a trade is designated.
By the Numbers
- 25+ years in secondary marketing software
- 4 integrated modules covering the full pipeline-to-delivery lifecycle
- $150K–$250K/year in recoverable value from optimal investor selection alone (on a $500M pipeline)
- 2–4 hours/day of manual data reconciliation eliminated
See What You're Leaving on the Table
We're not asking you to take our word for it.
Let us analyze your last 12 months of trading data and show you exactly what you left on the table. We'll run your historical loans through Best Execution, compare the results to your actual delivery decisions, and put a dollar figure on the gap.
No cost. No commitment. Just the numbers.