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Fee Sheets

Build and manage the loan scenarios that power every report you send.

A fee sheet is one loan scenario for one client — the loan amount, rate, term, fees, prepaids, and credits behind a single option. Fee sheets are where the numbers live; reports are how you present them. Every column in a purchase or refinance comparison is a fee sheet, and a single-loan report is built from exactly one.

Get the fee sheet right and every report built from it is right too.

Creating a fee sheet

From a client's page, click New fee sheet. Pick the loan type — Purchase or Refinance — then choose how to start. (The loan type applies to manual entry, which opens a purchase sheet if you don't answer, and to a PDF import, where your answer arrives pre-selected on the upload screen and no answer means "read it from the document." Templates carry their own loan type.)

  • Enter manually — a blank fee sheet you fill in yourself. Best when you're quoting from a rate sheet or building a scenario from scratch.
  • Use template — start from one of your saved fee sheet templates with your standard fees already filled in.
  • Import PDF — upload a lender fee sheet and let LendrTech extract the numbers for you.

Give the fee sheet a name you'll recognize later — "Conv 30yr 6.625%" beats "Fee Sheet 3." A title is required: Save won't go through without one, and the field says so. Names are capped at 30 characters so they fit cleanly on report charts; type something longer and LendrTech keeps the first 30 characters rather than rejecting the save.

Refinances

Ticking Refinance? changes what the form asks for: Purchase Price becomes Current Mortgage Payoff, Down Payment disappears, and a Refinance Type picker appears. The options follow the program —

Program Refinance types
Conventional Rate & Term, Cash-Out
FHA Rate & Term, Cash-Out
VA IRRRL, Cash-Out
USDA Rate & Term

VA has no rate-and-term product, and USDA does not permit a cash-out refinance at all. On a VA loan the choice also prices the funding fee — an IRRRL is 0.50% where a cash-out is 2.15% or 3.30% — so it is worth getting right.

Switching a fee sheet between Purchase and Refinance clears the figures that only make sense on one of them: purchase price, down payment, seller credit and the earnest-money deposit. On a refinance, LTV is measured against the Estimated Value, never the payoff — leave the value blank and LendrTech leaves LTV blank too rather than quoting one measured against the wrong number. On a purchase it's measured against the Purchase Price. Either way, when there's no figure to measure against, an LTV you typed (or one an import filled in) stays as you left it — LendrTech only ever clears an LTV it derived itself.

Editing fees and prepaids

The fee sheet form is organized into sections: Loan information, Closing costs, Prepaids & escrow, Payment summary, Buydowns, and Credits. Totals recalculate the moment you finish editing a field — tab away or click elsewhere and the running summary alongside the form (total monthly payment, estimated cash from borrower, and the breakdown and loan-summary blocks beneath it) updates to reflect the change.

A few conveniences worth knowing:

  • Fields like discount points, seller credit, real estate taxes, homeowner's insurance, and mortgage insurance have an edit icon that lets you enter a percentage instead of a dollar amount — LendrTech does the math against the loan amount or purchase price.
  • Purchase price, down payment, and base loan amount stay in sync. Change the down payment and the base loan amount becomes purchase price minus down payment; change the base loan amount and the down payment follows instead. Either way LTV, the total loan amount, principal & interest, prepaid interest, APR, and any financed VA funding fee or FHA UFMIP update with it.
  • Anything LendrTech changed for you is outlined in yellow, with a banner asking you to review the highlighted fields before saving. Values you typed yourself are never outlined.
  • Save reads Apply while an edit is still in the field. Those updates happen when you leave a field, so if your very next click after typing were Save, the page would move on before you ever saw what changed. Instead the button becomes Apply: it applies your edit, updates everything that depends on it, and leaves you on the fee sheet to look it over — then turns back into Save. You don't have to click it. Pressing Tab or clicking the next field does exactly the same thing, so if you're moving through the form normally you'll never see Apply. Fields that don't feed anything else, like the Document Title, always just say Save.
  • Mortgage insurance is the one exception. MI depends on credit score, LTV, and the MI provider's rate card, so when the loan amount or LTV moves LendrTech won't guess at a new figure — and it won't clear the one you entered, even if the edit takes LTV to 80% or below. Your figure stays put, LendrTech outlines the mortgage insurance field — and the percentage behind its edit icon — in violet, and a small violet exclamation mark appears at the right-hand end of the field. Hover it and the reason pops up. Type a new amount, enter a new percentage, or click the refresh icon beside the field to clear it; putting the loan amount back where it was clears it too, and an edit that leaves the loan amount and LTV unchanged never raises it. Clearing MI is always your call: an 80/10/10 second, lender-paid MI, or a split premium can be perfectly correct below 80% LTV.
  • LTV is kept to two decimal places. Type a longer number and LendrTech rounds it to hundredths first, then derives the base and total loan amounts from the rounded figure, so the three never disagree with each other.
  • Don't see a fee you need? Click + Add additional closing cost to add custom line items, and + Add additional credit for extra credits.
  • Nothing is saved until you click Save — feel free to experiment with the numbers, then leave without saving if you change your mind. If you do navigate away with unsaved edits, LendrTech asks first, so you can't lose them by accident.
  • Save keeps you on the fee sheet. You'll see a confirmation that it saved and can carry on editing, or head elsewhere when you're ready.

On the client's page, each fee sheet row also has a Copy fee sheet action — the fastest way to build a second scenario that differs by only a rate or a fee. Edit the copy, rename it, save.

The Fee Sheets list

Open Fee Sheets in the sidebar to see every fee sheet across all your clients in one table — client, fee sheet name, loan amount, and when it was last updated. Filter by client, or sort by last updated, client name, fee sheet name, or loan amount. Click any row to open that fee sheet, or use its Delete button to remove it (you'll be asked to confirm — deletes can't be undone).

It's the quickest way to pick up where you left off without clicking through client pages first.

How many fee sheets can I have?

Pro plans include a generous allowance of saved fee sheets; Max is unlimited. Deleting a fee sheet you no longer need frees up a slot. See the pricing page for current plan details.

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