Rate & Lender Control gives you additional flexibility over how Ownwell estimates mortgage opportunities, allowing calculations to reflect your lender access, rate preferences, and advisory approach.
Ownwell’s standard opportunity model is designed to spark engagement, keep homeowners informed, and position you as a trusted advisor through consistent, professional insights. Rate & Lender Control is an optional add-on for brokers who want to introduce a higher level of precision earlier in that journey.
There’s no single right way to use Ownwell.
Some brokers value broad engagement signals, while others prioritize early precision. This add-on lets you choose which works best for you.
Why Rate & Lender Control Exists
Ownwell’s default calculations are intentionally broad. They are designed to:
Highlight meaningful market opportunities
Encourage client engagement and conversation
Keep homeowners aware of trends that matter to them
Support long-term relationship building
For many brokers, this approach works extremely well.
Some brokers, however, prefer to bring more specificity into the estimate itself from the start. That might be because of how they structure their advice, how they manage lender access, or how they prefer to frame conversations with certain client segments.
Rate & Lender Control exists for those brokers. It allows you to align Ownwell’s opportunity calculations more closely with how you already operate, without changing the homeowner experience or the core value of the monthly digest.
What Rate & Lender Control Lets You Do
Rate & Lender Control gives you two areas of additional control at the account level.
Choose how comparison rates are selected
You can decide how Ownwell looks for alternative mortgage rates when estimating opportunities:
Always use the lowest available rate (default)
Ownwell searches for the lowest qualifying rate available, regardless of rate type.Use rate type matching
Ownwell compares clients only against rates that match their current rate type.
For example, fixed-rate clients are compared to fixed rates, and variable-rate clients to variable rates.
In all cases, comparison terms are greater than or equal to the remaining term on the client’s mortgage.
Exclude specific lenders from opportunity calculations
By default, Ownwell includes all lenders available in Lender Spotlight to maximize opportunity coverage and surface meaningful insights.
Use lender exclusions sparingly. Broader coverage generally produces more opportunities, while exclusions are best reserved for genuine access or availability constraints.
If needed, you can exclude specific lenders from being used in estimates. This can be helpful when:
Certain lenders are not accessible to your business
A lender is unavailable in a particular region
You want estimates to reflect known placement constraints
This is designed as a targeted exclusion tool rather than a preferred-lender selector, helping keep opportunity estimates both broad and realistic.
Watch Rate and Lender Control Demo Here
If you'd like to see the the above in action to understand how it works and what it looks like, take a look over the video below:
How This Affects What Homeowners See
From a homeowner’s perspective, the experience remains simple and consistent.
Homeowners never see:
Individual lender names
Specific rate comparisons
Which lenders are included or excluded
Details of how calculations are performed
Rate & Lender Control enhances Ownwell’s opportunity calculations without changing the core experience homeowners receive.
What they do see:
Opportunity estimates that align closely with your advisory approach
Insights that feel relevant and credible
Clear, confident guidance supported by your expertise
Who Rate & Lender Control Is For
Rate & Lender Control is well suited for brokers who:
Want opportunity estimates to reflect specific lender access
Have a defined advisory or placement strategy
Prefer to introduce more tailored calculations earlier in the client journey
Want flexibility in how Ownwell supports their conversations
Other brokers may prefer to keep Ownwell’s estimates intentionally broad and use client conversations as the next step. Both approaches work well, and Rate & Lender Control simply gives you the option to choose.
If you prefer to keep estimates broad and use client conversations to refine scenarios, Ownwell’s standard calculations may already be the right fit.
Pricing & Availability
Rate & Lender Control is an optional add-on available on any Ownwell plan.
$25/month on monthly subscriptions
$300/year on annual subscriptions
How to add Rate & Lender Control to your account
You can enable Rate & Lender Control in one of two ways:
Turn it on in your Account Settings
Or contact our support team
Email [email protected] and we’ll take care of it for you.
Once enabled, the feature will be applied to your account.
Frequently Asked Questions
Does this apply to my entire database?
Yes. Rate & Lender Control is an account-wide setting.
Do homeowners see lender or rate details?
No. Homeowners only ever see the overall opportunity amount.
Will opportunities update when I change these settings?
Yes. All current and future opportunity calculations will reflect your active configuration.
Can this be customized per homeowner?
No. Rate & Lender Control applies at the account level.