Interactive reports

Give your borrower a private, tabbed web report they can explore on any device — on purchase, refinance and single-loan reports alike. A Max alternative to the PDF and the classic static report.

An interactive report is a personal, borrower-friendly web version of your report, at a private link only your client can open. It's a third way to share a report — alongside the PDF and the classic static report — and it's built for a borrower to explore on their phone, not just read.

Interactive reports are a Max feature, and every report type has one: purchase, refinance and single-loan. Each is laid out for the question its own report answers, so the tabs — and what's on them — differ by type.

Switching to interactive mode

Open a report in the report builder — any of the three types. In the top bar you'll see a toggle between Static and Interactive — flip it to Interactive and the preview becomes a live view of exactly what your borrower will see. LendrTech remembers which mode you prefer for next time.

While you're here, open the Recommendation & story section to pick the option you recommend and add a short note in your own words — that's what leads the borrower's report. On a refinance you're choosing between the two proposed loans: the mortgage your client has today is what everything on the page is measured against, never an option you can crown. A single-loan report has nothing to choose between, so it has no Recommended option picker, and two story boxes instead of three — there's no Best fit if… on it, because that box exists to say why this option and not the others.

Theme & title is right there too, because it shapes this view as much as the static one: the title is the borrower page's headline, and the color theme paints it. The first color leads throughout — the tabs, the tinted pills and panels, the numbered Next steps list, and, wherever you've picked one, the option you recommend, so the borrower's eye lands on it first. Your other options take colors two and three in order, on their cards, bars and chart keys. (That's the one place this differs from the static report, where the colors follow the columns: here the recommendation always wears color one.) On a refinance, the mortgage your client already has is drawn in a neutral grey wherever it appears rather than in a theme color — your colors mean the options you're offering, and painting today's loan as one of them invites your client to read it as another choice. Pick a swatch (or set custom colors) and the preview repaints straight away, no Save needed; your borrower's link keeps the last saved look until you do save. See the report builder for the theme picker itself.

What your borrower sees

The link opens a clean, tabbed report — numbered tabs down the side on a computer, a bar across the bottom on a phone. Which tabs, and what's on them, follows the report type.

On a purchase report

Five tabs — Summary, Charts, Fees & costs, What-if and Next steps:

Summary — the option you recommend, your short note, and the headline numbers (purchase price, loan amount, rate and APR, monthly payment, cash to close), then every option side by side on its own card: interest rate with its APR, term, loan amount, cash to close, and the five-year impact against the first option. Where an option has a temporary buydown, its card leads with what your borrower pays in year one and carries a short payment schedule showing each step and the payment once the full rate takes over.
Charts — visual comparisons of monthly payment, cash to close, and savings over time. If an option has a temporary buydown, the monthly-payment chart shows the step-down: each bought-down year's rate and payment, how far below the note rate it sits, and the payment once the full rate takes over.
Fees & costs — the itemized closing costs and prepaids for each option, expandable for the borrower who wants the detail.
What-if — a payment explorer with sliders for home price, down payment, rate and term. It shows an itemized estimate — principal & interest, property taxes, insurance, mortgage insurance, HOA — so a borrower can see which part of the payment moves. Property taxes track the home price and mortgage insurance tracks the loan amount, both at the rates already on your report; every other monthly cost is held at your figures. The down-payment slider stops wherever the loan would change character — at 20% down on a conventional loan with mortgage insurance, or at a VA funding-fee step — because past those lines the page can't know the new number, and it says so on screen and points the borrower back to you rather than guessing. The whole tab is labelled an illustrative estimate — not a quote, an approval, or live pricing.
Next steps — your closing recommendation, a short checklist, and one-tap buttons to call or email you.

On a refinance report

A refinance answers a different question — should I do this at all, and how long before it pays for itself? — so the page is built around the mortgage your client already has, and tab two is named Your savings rather than Charts. Still five tabs:

Summary — one headline figure: what the payment changes by each month, on the option it belongs to, with that option's rate and APR beside it. (If your own report leads with the Debt consolidation summary, the borrower's leads with the same figure across all their monthly debts, and carries the debts before-and-after panel. With no Current Mortgage on file it leads with the rate instead.) Below it, Today, and after you refinance — a card per option with a small table putting today's interest rate, monthly payment, years left to pay and balance beside the new ones. Then the option cards: each opens with the one-line takeaway from your Refinance analysis panel and carries the rate and APR, term, loan amount, cash to close, Pays for itself in, and how far ahead they'd be at the end of your savings horizon.
Your savings — how long until it pays for itself, as a runway bar per option against your horizon; what they'd have at the end of that horizon; their payment today beside each option's; where each payment goes, today's ring first and then each option's; and The long view — what each option adds up to if they keep it to the end.
Fees & costs — the itemized closing costs and prepaids, and a credits table that opens with Paying off your current mortgage, so the cash figure at the bottom visibly adds up. Where the loan hands your client money rather than asking for it, that row reads Cash to You and prints in green.
What-if — sliders for loan amount, rate and term; a refinance has no home price or down payment to move. The tab says on screen that nothing there changes their current mortgage, what the refinance costs, or how long it takes to pay for itself.
Next steps — as on a purchase report; where you've recommended an option it also shows how long that one takes to pay for itself.

The monthly difference is stated once, in the headline. Everywhere else the page prints today's payment beside the new one instead of repeating a difference — one figure in one place, so nothing on the page can disagree with anything else on it. Unticking Refinance analysis under Include charts takes the runway, The long view, the option cards' opening sentence and the Pays for itself in row away together.

On a single-loan report

One loan, and nothing to compare it against — so this one has four tabs, not five. There is no Charts tab: with a single loan its only chart would be the payment breakdown, and that belongs beside the payment it explains rather than a tap away.

Summary — the rate leads, with its APR beneath it, then the loan's headline numbers (purchase price, down payment, loan amount, monthly payment, cash to close), and a Cash due at closing card beside them wherever there's a figure to bring to the table. Below that, Your loan, in detail: every term of the loan on the left — rate and APR, term, loan type, loan amount, mortgage insurance, closing costs, prepaids, cash to close — and what the monthly payment is made of on the right. A fee sheet with a temporary buydown leads with year one's payment and carries the payment schedule, exactly as on a purchase report.
Fees & costs — the itemized closing costs and prepaids, then credits and cash to close.
What-if — the same payment explorer as a purchase report, seeded from this loan.
Next steps — your closing note, the checklist, and the one-tap buttons to call or email you.

The whole thing carries your branding — your photo, logo, name, and contact details — just like your other reports. See setting up your branding.

Sending the link

Save the report first; an interactive report serves the numbers as they were when you saved. Then, with the builder in Interactive mode, Send emails your borrower the interactive link instead of the classic one. You can also drop the link into a message yourself with Insert link.

Your borrower clicks the link and lands straight on the report — no sign-in, no password, nothing to confirm. The link itself is the key: it carries a random code that nobody can guess, so treat it the way you'd treat the report PDF and send it only to your client.

The link is short enough to text — lendrtech.com/r/k7m2xq9v4np3 — and the code gives away nothing about your client. See what the link looks like for the details, including what happens to links you sent before.

Interactive reports are a Max feature — see plans and billing.

Good to know

It doesn't replace anything. You still get the same one-click PDF, and in Static mode a send delivers the classic static report link. The interactive report is an extra option, not a swap.
A refinance page needs the Current Mortgage. The savings headline and the Today, and after you refinance cards are drawn from the Remaining Balance, Monthly Payment, Interest Rate and Loan Term you enter under Refinance loans. Leave them blank and both drop out: the page leads with the rate instead and still reads as a complete report, but it can't tell your client what changes.
It has its own layout, in your colors. The interactive report is arranged for a borrower to explore and can't be rearranged — but it still honors your Include rows and Include charts choices in the builder, so unchecking a row or chart hides it here too, just as on your classic static report, and it's painted in your Theme & title colors. Two rows are the exception, and both come down to what an option card has to say to stand on its own: interest rate and APR always show (see the next point), and discount points don't appear on the cards at all — they're itemized in full on the borrower's Fees & costs tab instead, where every other closing cost already lives.
Chart captions are written for your borrower. Under each chart the interactive report uses borrower-friendly wording rather than the builder's stock caption. If you replace a chart's Help text on the report with your own words, yours is what your client reads here too. The one caption never substituted is a refinance's Savings over N months — its stock wording is already written for a borrower, so it's used exactly as it stands on your own report.
The APR always travels with the rate. Anywhere the report states an interest rate, the APR is printed beside it — in the headline, on each option's card, and in the Fees & costs summary. That one is not governed by the Include rows checkboxes: unchecking APR hides the row on your classic static report, but the borrower's interactive page still shows the APR next to every rate it quotes. (The What-if sliders are the one place without one — a rate you invent with a slider has no priced fees behind it, so there is no APR to state, and the page says so.)
It carries your disclosures on every tab. The Equal Housing Lender mark, your NMLS ID, your company's NMLS ID, the "not a mortgage loan approval or commitment to lend" statement and the standard estimate disclosures sit in a footer that's visible whichever tab your borrower is on, on desktop and on a phone. Nothing is hidden behind a click — the long boilerplate is simply set as fine print in two columns so it doesn't swamp the page. Blank branding fields simply don't appear — see setting up your branding.