Down Payment Resource vs Modex

What the rubric says

Down Payment Resource and Modex are both scored in Lead Gen & Retention. Down Payment Resource carries an overall of 4.3, Modex an overall of 3.5. The widest gap between them is Integrations and ecosystem, at 1.2 of a point. That axis measures how well it reaches the rest of the stack. Down Payment Resource takes it, 3.8 to 2.6.

Where the five axes separate

On Integrations and ecosystem the record favours Down Payment Resource, 3.8 against 2.6. On Production impact the record favours Down Payment Resource, 4.4 against 3.6. On Functionality and depth the record favours Down Payment Resource, 4.4 against 3.6. On Adoption and support the record favours Down Payment Resource, 4.4 against 3.6. On Return on spend the record favours Down Payment Resource, 4.4 against 3.8.

Pricing posture

Down Payment Resource does not publish pricing. Its listed model is quote only, enterprise licence. Modex does not publish pricing. Its listed model is quote only; profiles sold pay-per-hire, recruit sold by subscription.

Deployment and who each one targets

Deployment for Down Payment Resource: Cloud portals for four roles plus an Encompass integration. Deployment for Modex: Cloud, self-service search with employer messaging. Segment focus for Down Payment Resource: Lenders serving first time, moderate income and CRA-driven borrowers. Segment focus for Modex: Mortgage employers recruiting originators, plus wholesale and business development teams targeting brokers. The two entries name different buyers.

What each record credits

Down Payment Resource: Tracks more than 2,600 programmes nationally, 74 percent offering down payment assistance. Down Payment Resource: Published Encompass integration surfaces programme matching inside the LOS. Down Payment Resource: Four role-specific surfaces: research, matching, underwriting guidelines and consumer capture. Modex: Profiles is priced pay-per-hire; the employer pays only when a hire happens. Modex: Modex Score gives one comparable number across candidates, built from production and regulatory records. Modex: States 1.47 million loan officers, 104,980 branches, $16.38 trillion in transactions, 248 MLSs.

What each record holds against them

Down Payment Resource: No pricing published at any tier or lender size. Down Payment Resource: Programme data still needs filtering through your own overlays, and that work is yours. Down Payment Resource: Only two lender customers named: Mountain West Financial and Cherry Creek Mortgage. Modex: No integration of any kind appears on the site, not even an API. Modex: Neither the Profiles per-hire fee nor the Recruit subscription rate is published. Modex: The Modex Score methodology is unpublished, so hiring partly rests on an unauditable number.

Which one fits which shop

Best fit for Down Payment Resource: Lenders losing otherwise good borrowers at the down payment. Best fit for Modex: A hiring manager who wants verified production history and a single score before making an offer.

What each entry concludes

Down Payment Resource: Down Payment Resource keeps a database of more than 2,600 homeownership assistance programmes. Down Payment Resource: It matches borrowers to programmes, so a file short on down payment funds instead of dying. Modex: Modex is a loan officer data and recruiting marketplace built on one idea. Modex: An originator’s claimed production should be checkable before you hire them.

The short answer

Down Payment Resource finishes ahead on the published rubric, 4.3 to 3.5. The margin comes mostly from Integrations and ecosystem. Same rubric, same weights, no sponsorships.