WealthLens, Instant Mortgage Clarity
The Financial Intelligence Platform That Turns Mortgage Advisors Into Wealth Strategists
Stop sending static PDFs. Start delivering interactive wealth consultations that turn rate shoppers into clients for life.
What Is WealthLens?
WealthLens is a Financial Intelligence Platform designed for mortgage loan officers, advisors, and branch managers. Unlike traditional mortgage calculators that focus on rate and payment, WealthLens shifts the conversation to wealth creation and net worth.
The platform consolidates automated advisory, interactive presentations, and client engagement into a single tool, replacing the presentation and analysis layer of the advisor stack: Mortgage Coach (~$150/mo), ListReports (~$250/mo), Sales Boomerang ($150+), and the spreadsheets in between. MBS Highway (~$200/mo) is an adjacent market-intelligence and training product that lives outside this scope; advisors who use it keep using it.
Every year, thousands of mortgage advisors lose deals to websites like Zillow and LoanDepot, not because they are worse at mortgages, but because they cannot show why they are better. Competing on rate is a race to extinction. WealthLens is the exit ramp.
Who WealthLens Serves
For the Advisor
An intelligence cockpit. Build multi-scenario strategies in 60 seconds. Grade loan options with automated scorecards. Present with branded, shareable links. Your name, your brand, always. The AI Co-Pilot provides real-time coaching, market data, and client-specific talking points.
For the Client
A 24/7 financial concierge. Search properties at 11pm. Adjust numbers in the interactive sandbox. Ask the AI to explain their strategy in plain English. Explore the Refi Matrix or toggle the Cost of Waiting, all in a live portal, while the advisor sleeps.
Your competitors quote rates. You present wealth strategies. That is not a preference, it is a different profession.
Advisor Superpowers
1. Address to Strategy in 60 Seconds
Tell the AI Strategy Architect the client's goals and property address, and it builds a comprehensive multi-scenario strategy with matching analysis modules, instantly. No spreadsheets, no manual data entry. Drag a MISMO 3.4 XML file from your LOS and the system auto-populates borrower data, liabilities, and property details.
2. Interactive Intelligence
Stop sending static PDFs that look like tax returns. Let clients explore the Refi Strategy Matrix or toggle the Cost of Waiting Calculator in their own live portal. Interactive charts and visualizations work on any device, passing the "grocery store test" (can a client understand it while standing in line?).
3. Expert Positioning
Never be caught without the right answer. The WealthLens IQ AI Co-Pilot analyzes your strategy in real-time, provides live market data, and generates client-specific scripts and talking points. Four AI engines work together: The Strategy Architect, WealthLens IQ Co-Pilot, Guideline Gary (compliance), and Lens Guide (product help).
20 Interactive Analysis Modules
Every chart is a closing argument. These are not static graphs, they are interactive financial visualizations that update in real-time as clients adjust inputs in the sandbox.
Fundamentals (Purchase & Refinance)
- Monthly Composition. Visual breakdown of where every dollar of the monthly payment goes: principal (wealth-building) vs interest, taxes, insurance, and MI. Shows clients their mortgage is a strategy, not just an expense.
- True Cost Analysis. Compares cumulative total cost (interest + fees + MI) of different strategies over the client's actual time horizon. Exposes the $8,000 mistake rate shoppers make by chasing lower rates with high closing costs.
- Breakeven Horizon. Calculates the exact month when savings from a lower rate fully offset upfront costs. Uses the Certified Mortgage Advisor "True Breakeven" formula (interest + MI + tax savings, not just payment savings).
- Interest Strategy (TIP). Total Interest Percentage: the ratio of total interest to loan amount. Makes interest burden visceral, "You pay $1.39 in interest for every $1 borrowed."
- Real Cost of Debt. Demonstrates inflation arbitrage: how the real cost of a fixed mortgage decreases over time as wages and prices rise. Shows clients the bank is actually paying them to borrow.
Cash & Wealth
- Liquidity Safety Valve. Proves that cash reserves prevent foreclosure, not equity. Shows why putting 20% down to avoid PMI might be a financial trap.
- Wealth Accumulation. Compares 30-year + investing the payment difference vs. 15-year mortgage. Often shows the "Turtle" (30-year) wins the wealth race.
- Capital Deployment. Analyzes optimal allocation of surplus capital between additional mortgage payments, investments, and cash reserves.
- Tax Benefit. Quantifies the deductibility of mortgage interest and property taxes to show effective (after-tax) housing cost.
Purchase-Only Modules
- Cost of Waiting. Shows clients that waiting for rates to drop costs more in lost appreciation than they would save. "While you waited for a 1% rate drop, prices rose 5%. That patience just cost you $27,000."
- Rent vs. Own. Compares lifetime cost of renting versus buying, including equity accumulation, appreciation, and tax benefits.
- Buydown Strategy. Visualizes temporary rate buydowns (2-1, 3-2-1) to show cash flow relief and total cost impact.
- Appraisal Gap. Strict separation of displayed cash down vs core equity down, preventing LTV drift when properties fail to appraise.
Refinance-Only Modules
- Refi Strategy Matrix. Dual-mode matrix: Discovery Mode calculates strict fee budgets, Presentation Mode auto-grades all live scenarios. The most sophisticated refinance analysis tool on the market.
- Liability Optimization. Analyzes current debt portfolio to identify consolidation and payoff strategies within a refinance.
- Wealth Accelerator. Visualizes how refinance savings can be redirected into wealth-building investments.
- Refinance Cost of Waiting. Shows the daily cost of not refinancing when rates have dropped below the client's current rate.
- Mortgage Accelerator. Models the impact of additional principal payments on total interest savings and payoff timeline.
- Wealth & Mortgage Accelerator. Unified comparison tool that models total net worth between allocating extra cash flow to mortgage principal versus an investment portfolio.
Key Platform Features
- AI Strategy Architect. Conversational AI that builds multi-scenario mortgage strategies from natural language input. Uses a 4-phase strategic flow (Discovery, Recommendation, Build, Minimal Build) with intelligent module selection.
- WealthLens IQ AI Co-Pilot. Always-on AI assistant that analyzes your strategy in real-time, provides market context, and generates personalized scripts and talking points for client conversations.
- MISMO 3.4 XML Import. Drag-and-drop import from any LOS. Parsed entirely in the browser, raw files never touch our servers or AI models. Zero data entry, instant population of borrower data, liabilities, and property details.
- Property Intelligence Engine. Address-based property validation that cross-references RentCast property records with real-time web verification from Zillow, Redfin, and Realtor.com. Clients enter a specific address to see how that purchase fits their scenario. Every lookup triggers an instant notification to the partner agent and advisor, so they know what the client is looking at, and when.
- Live Client Portal. Branded, shareable links where clients explore their strategy independently. Includes the interactive Sandbox, AI analyst, and property validation. Real-time sync with the advisor's view. Every client interaction is tracked and surfaced to the advisor in real-time.
- Interactive Sandbox. Clients adjust variables (price, down payment, rate) in real-time without altering the core strategy. Includes a Max Qualified Payment guardrail to prevent unrealistic scenarios.
- Guideline Gary. Agency-guideline research assistant for FHA, VA, USDA, Fannie Mae, and Freddie Mac. Runs forced web search against a curated source whitelist and cites canonical guideline sections with their effective dates.
- Waterfall Scenario Linking. Updates propagate left-to-right across linked scenario cards. Smart field linking supports both dollar and percentage-based propagation.
- Branded Share Links. White-labeled presentation links with advisor branding, profile photos, and custom welcome messages. Includes view tracking and engagement analytics.
- RESPA-Compliant Escrow Calculator. Full Section G escrow setup with templates, aggregate adjustment, and smart fee worksheets.
- Rate Watchman. Retention monitoring system that watches client rates against market benchmarks. Triggers alerts when refinance opportunities emerge.
Security & Privacy
WealthLens employs a "Defense-in-Depth" strategy to protect sensitive client financial data:
- PII Whitewashing Layer. A mandatory Privacy Guardrail redacts all personally identifiable information (Social Security Numbers, dates of birth, addresses, and names) before any data reaches AI models. Pattern: SSNs are matched and replaced with [REDACTED_SSN].
- Zero-Trust MISMO Parsing. XML files from the LOS are parsed entirely in the browser using the native DOMParser. Raw files never connect to a server, touch AWS, or feed into LLMs.
- SOC 2 Architecture. Enterprise-grade security with encryption in transit (TLS 1.3) and at rest.
- Audit Black Box. Every AI interaction is persisted to an audit log table with full prompt and response tracking.
- Zero-Retention AI. AI partners are used strictly for processing, not training. Financial analysis does not require knowing who the data belongs to.
- Prompt Injection Defense. All AI edge functions include standardized prompt injection defenses forbidding instruction override.
- Edge Authentication. All AI edge functions validate JWT Authorization headers to prevent unauthenticated API execution.
- Deterministic Financial Math. All calculations are handled by a dedicated math engine (calculations.ts). The AI explains data but never calculates it, eliminating hallucination risk in financial figures.
Technology Stack
- Frontend: React 18, TypeScript, Vite, Tailwind CSS, Recharts (financial charts), Lucide-React (icons)
- Hosting: AWS Amplify (CloudFront / S3), global CDN delivery
- Backend: Supabase (PostgreSQL + Deno Edge Functions)
- AI: Anthropic Claude (Claude Haiku 4.5 and Claude Sonnet 4.6) with web search grounding
- Data: RentCast property API with real-time web verification
- Architecture: Manual State-Based Router for instant view switching without data re-fetching. Hybrid AI protocol combining direct answers for factual questions with Socratic coaching for strategic questions.
The Team Behind WealthLens
WealthLens was not built by tech developers guessing at what loan officers need. It was built from inside an active mortgage branch by the people who run it every day: an operations-and-engineering branch manager, and an active loan officer.
- Matthew Peterson. Product Builder and Mortgage Branch Manager. The Architect.
- Charlie Peterson. Mortgage Loan Advisor and Market Strategy. The Catalyst.
Based in Grand Rapids, Michigan. WealthLens was born out of daily necessity to win on value, build deep trust with clients, and protect margins in a highly competitive industry. Over 30 major features shipped in the first 90 days, because the team uses this tool every single day.
Frequently Asked Questions
What is WealthLens?
WealthLens is a Financial Intelligence Platform for mortgage advisors. Unlike traditional mortgage calculators that focus on rate and payment, WealthLens shifts the conversation to wealth creation and net worth. It consolidates automated advisory, interactive presentations, and client engagement into a single platform, replacing the presentation and analysis layer of the advisor stack (Mortgage Coach, ListReports, and the spreadsheets in between). MBS Highway is an adjacent market-intelligence and training product that WealthLens does not aim to replace.
How does WealthLens help mortgage advisors?
WealthLens helps mortgage advisors stop competing on rate and start presenting wealth strategies. Advisors can build multi-scenario mortgage strategies in under 60 seconds using an AI Strategy Architect, then share them via branded live client portals. Clients explore interactive charts, adjust numbers in a sandbox, and ask an AI analyst questions, all while the advisor sleeps. The platform includes 20 analysis modules, real-time advisor-client sync, MISMO 3.4 XML import for zero data entry, and compliance guardrails.
What analysis modules does WealthLens include?
WealthLens includes 19 interactive analysis modules: Monthly Composition, True Cost Analysis, Breakeven Horizon, Interest Strategy (TIP), Real Cost of Debt, Liquidity Safety Valve, Wealth Accumulation, Cost of Waiting, Capital Deployment, Tax Benefit, Appraisal Gap, Rent vs. Own, Buydown Strategy, Refi Strategy Matrix, Liability Optimization, Wealth Accelerator, Refinance Cost of Waiting, Mortgage Accelerator, and Wealth & Mortgage Accelerator.
Is WealthLens secure?
Yes. WealthLens employs Defense-in-Depth security architecture. A mandatory Privacy Guardrail (PII Whitewashing Layer) redacts all personally identifiable information before any data reaches AI models. MISMO XML files are parsed entirely in the browser and never touch our servers. All AI interactions are audit-logged. The platform uses SOC 2-grade architecture with encryption in transit and at rest, zero-retention AI processing, and strict role-based access controls.
How is WealthLens different from Mortgage Coach?
WealthLens replaces the presentation and analysis layer of the mortgage advisor stack (primarily Mortgage Coach, plus assorted spreadsheets) with a single platform. Key differences vs Mortgage Coach: mobile-first interactive experiences instead of static PDFs; 60-second AI-powered strategy creation, or 2-4 minute manual build, vs 10-15 minutes of manual entry with legacy tools; live client portals with sandbox and AI analyst instead of read-only PDFs; deterministic financial math for compliance safety; and MISMO 3.4 import for zero data entry. MBS Highway is a separate product category (market intelligence and training) that WealthLens does not replace.
Who built WealthLens?
WealthLens was built by Matthew Peterson (Product Builder and Mortgage Branch Manager, focused on operations, training, process, and engineering) and Charlie Peterson (Mortgage Loan Advisor, the active loan officer on the team), based in Grand Rapids, Michigan. They built WealthLens from their daily need inside an active mortgage branch to compete on value, build client trust, and protect margins.
What technology does WealthLens use?
WealthLens is built with React 18 and TypeScript on Vite, hosted on AWS Amplify. The backend uses Supabase (PostgreSQL + Deno Edge Functions). AI is powered by Anthropic Claude (Claude Haiku 4.5 and Claude Sonnet 4.6). The platform features four AI engines: Strategy Architect, WealthLens IQ Co-Pilot, Guideline Gary, and Lens Guide. All financial math is deterministic. AI explains data but never calculates it.