About Us | Corporate Overview

At NYLX we are committed to enhancing loan commerce, improving loan quality and reducing risk for the benefit of America’s borrowers, lenders, servicers and the worldwide investment community. Our software-as-a-service, business intelligence solutions aggregate information from a robust set of sources and deliver it through a user friendly, highly intuitive application interface. We incorporate advanced analytic tools, data visualization and a workflow influenced structure into our platform designs. Through economies of scale we can offer our customers best of breed resources more cost effectively, and through our service expertise can create tailored solutions for mortgage loan pricing, secondary marketing and life-of-loan portfolio risk management.

A Market Leader for Automated Product Eligibility and Loan Pricing

As a pioneer in the development of pricing engine technology, NYLX continues to enhance LoanDecisions, our product eligibility and loan pricing solution. Client feedback, industry trends and regulatory changes have shaped our solution to address the changing needs of the mortgage industry. From point of sale to secondary market we are providing our customers' a strong return on investment by improving their ability to attract borrowers, adapt to market conditions in real-time, make smarter decisions and achieve better executions on transactions.

A Market Innovator for Loan-Level Risk Management

LoanHD is a NYLX innovation that addresses market needs in the loan risk management arena. This solution is successfully being used by banks and credit unions to balance the risk in their loan portfolios, create loan loss reserve projections, and increase the speed with which they can refresh and analyze loan-level data. Through industry partnerships and a unified platform, LoanHD provides best of breed analytic models and data services that previously had only been available to the largest financial institutions.

A Vision for Actionable Business Intelligence

NYLX will stay in the forefront of innovative business intelligence technology by developing break-through applications and forming strategic partnerships that deliver high return on investment for our customers.


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NYLX White Paper

Product and Pricing Engines (PPE):
Strategic Uses for Compliance, Competitiveness and Profit

Once considered a more efficient substitute for a Rate Sheet, pricing engines are evolving to be the compliance-ready selling tool for originators and the strategic profit tool for secondary marketing.

This white paper will describe three best practice uses for today's best of breed pricing engine:

  • Pricing for compliant, consultative selling using a 360° view of eligibility.
  • Pricing for marketplace competitiveness and strategies for achieving your market position goals.
  • Pricing for profit optimization and support for risk avoidance, risk remediation and reward optimization.

Extract additional return on investment by using your pricing engine technology more strategically.

Complete the registration form and get immediate access to this complimentary white paper!


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NYLX White Paper

Second Liens: When They're Under-Recognized, You're Over-Exposed

The Federal Reserve's growing concern over second liens and the exposure they create for financial institutions is driving the need to improve second lien credit analysis and segmentation.

  • Second liens represent 9% of the $9,700 billion in household mortgage debt.

Fragmentation related to ownership and Fed guidance for gathering and analyzing data on firsts (regardless of ownership), has created challenges for a significant number of institutions with second liens but no direct financial interest in the first.

  • Among properties with first and second liens, 62% have different servicers for the first and second mortgage.

This NYLX Executive Brief will summarize commentary, reports and interagency guidance regarding second liens and provide insight to help you:

  • Comply with interagency guidance and surface payment status of all liens to properly determine loss reserves and accurately calculate CLTVs.
  • Establish an ALLL (Allowance for Loan and Lease Losses) process that recognizes the differences between HELOC and closed-end second borrowers.
  • Improve second lien credit analysis and segmentation based on origination characteristics and performance profiles.

BONUS: Along with the white paper, we have also included an executive summary of the January 31st Interagency Guidance as a quick reference.

Complete the registration form and get immediate access to this complimentary white paper!


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NYLX White Paper

Approaches for Compliance with the January 31 Interagency Guidance on Risk Management Practices

The Fed, OCC, FDIC, and NCUA jointly released an important policy guidance letter on January 31, 2012. This Executive Brief from NYLX reviews these requirements and explores approaches for compliance.

  • Learn how loss estimation using segmentation and trending can help you define an impairment pool and reasonably estimate loss for that pool.
  • Consider a methodology for refreshing information that is readily available in order to meet the primary guidance to monitor all credit quality indicators.
  • See how much you can save by using a segmented analysis approach that also provides more insight into your loan portfolios and helps you calculate more accurate ALLLs.

Whether you buy or build a risk management platform, technology is the key to enabling compliance. Read this brief and also understand the challenges related to both.

Complete the registration form and get immediate access to this complimentary white paper!


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Disclaimer: By providing us with your email address and/or work phone and clicking the "Download Now" button, you grant NYLX permission to contact you.