Module 13 · Sales Weapon
Competitor LE Stripper
Drop in the other lender's Loan Estimate PDF or a photo of it. The AI reads every TRID section, normalizes the fees against your rate card, and hands your LO a borrower-ready side-by-side — while the borrower is still on the phone.
Upload the rival Loan Estimate
PDF, photo of a printout, or a screenshot from the borrower's phone. Page 2 is the one that matters.
Sample output — what your LO sees seconds after the upload
Cash to close saved
$9,094
at the table
Monthly payment saved
$158
6.625% → 6.125%
APR difference
0.687%
in your favor
Lifetime savings
$65,974
over full term
Summit Peak Mortgage
CompetitorRate
6.625%
APR
6.891%
P&I
$3,111
Loan amount $486,000 · lender credit $0
Your file · NexusMortgageOS
Your offerRate
6.125%
APR
6.204%
P&I
$2,953
Loan amount $486,000 · lender credit $1,450
Line-by-line fee teardown
Parsed from Summit-Peak-LE-Whitfield.pdf (sample) · sections matched to your fee card
| Fee | Competitor | You | Delta |
|---|---|---|---|
| A. Origination | |||
Origination charge (1.125 pts) Priced into rate — no points on this scenario. | $5,468 | $0 | −$5,468 |
Application fee Junk fee. Not charged. | $795 | $0 | −$795 |
Underwriting fee | $1,195 | $795 | −$400 |
Processing fee Absorbed by lender credit. | $895 | $0 | −$895 |
| B. Cannot shop | |||
Credit report | $92 | $68 | −$24 |
Appraisal Reggora bid engine, same AMC panel. | $725 | $650 | −$75 |
Flood certification | $28 | $12 | −$16 |
Tax service fee Not passed through. | $88 | $0 | −$88 |
| C. Can shop | |||
Title — lender's policy Preferred-provider rate card. | $1,480 | $1,105 | −$375 |
Title — settlement/closing | $950 | $675 | −$275 |
Courier / wire Digital closing, no courier. | $175 | $0 | −$175 |
| F. Prepaids | |||
Prepaid interest (15 days) | $1,021 | $963 | −$58 |
| Total closing costs (net of credits) | $12,912 | $3,818 | −$9,094 |
Talk track the LO reads out loud
Generated for this exact comparison
"Marcus, I pulled apart their estimate. Their rate is 0.500% higher, so you're paying $158 more every month — that alone is $1,896 a year. On top of that they're charging a $795 application fee, an $895 processing fee and a $175 courier fee that we simply don't have. Net of credits you bring $9,094 less to the table with us. Same appraisal panel, same investor. Nothing about your file changes except the number."
Text this summary to the borrowerCompliance notes
Reviewed by the Guardrail agent before send
- Comparison holds loan amount, term and occupancy constant — no apples-to-oranges framing.
- Your APR is an estimate derived from the parsed fee set, not a substitute for an issued Loan Estimate.
- Any borrower-facing PDF carries the "this is not a Loan Estimate" disclaimer and your NMLS ID.
- The competitor document is stored in the encrypted loan vault and purged on the retention schedule.