Down Payment Resource vs myhomeIQ

What the rubric says

Down Payment Resource and myhomeIQ are both scored in Lead Gen & Retention. Down Payment Resource carries an overall of 4.3, myhomeIQ an overall of 4. The widest gap between them is Integrations and ecosystem, at 0.6 of a point. That axis measures how well it reaches the rest of the stack. Down Payment Resource takes it, 3.8 to 3.2.

Where the five axes separate

On Integrations and ecosystem the record favours Down Payment Resource, 3.8 against 3.2. On Production impact the record favours Down Payment Resource, 4.4 against 4. On Functionality and depth the record favours Down Payment Resource, 4.4 against 4.1. On Adoption and support the record favours Down Payment Resource, 4.4 against 4.1. Return on spend is level at 4.4 for both.

In Lead Gen & Retention the rubric weights Production impact heaviest, at 40 percent. That is why the two overalls sit where they do.

How the weights turn axes into a score

Production impact carries 40 percent of the Lead Gen & Retention score. It measures whether the tool moves volume, pull-through or cycle time. Functionality and depth carries 10 percent of the Lead Gen & Retention score. It measures whether it handles the messy loans and not just the clean file. Integrations and ecosystem carries 15 percent of the Lead Gen & Retention score. It measures how well it reaches the rest of the stack. Adoption and support carries 10 percent of the Lead Gen & Retention score. It measures whether the team adopts it and gets unstuck. Return on spend carries 25 percent of the Lead Gen & Retention score. It measures what the spend returns, which is not the same as being cheap.

Pricing posture

Down Payment Resource does not publish pricing. Its listed model is quote only, enterprise licence. myhomeIQ publishes pricing. Its listed model is published per-seat pricing, $247 per month or $1,800 per year plus a $200 one-time setup, enterprise. One of the two can be costed before a sales call, the other cannot.

Deployment and who each one targets

Deployment for Down Payment Resource: Cloud portals for four roles plus an Encompass integration. Deployment for myhomeIQ: Cloud, database synced from a CRM, LOS or spreadsheet upload. Segment focus for Down Payment Resource: Lenders serving first time, moderate income and CRA-driven borrowers. Segment focus for myhomeIQ: Loan officers running homeowner retention and co-marketing with real estate agent partners. 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. Down Payment Resource: Reports 38 percent of programmes serve repeat buyers, not first-timers only. myhomeIQ: Real published pricing, $247 monthly or $1,800 annual for up to 1,250 homeowners. myhomeIQ: Open overage pricing, $0.25 or $0.20 per extra report, keeps scaling predictable. myhomeIQ: Unlimited agent connections at no extra cost make co-marketing cheap to expand. myhomeIQ: Enterprise adds white-label branding, central admin, branch management and compliance control for field deployments.

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. Down Payment Resource: Assistance-eligible borrowers are a pipeline minority, so your market caps the upside. myhomeIQ: No named CRM or LOS integration, only a general statement that databases sync. myhomeIQ: The annual plan bills $1,800 up front before the first report goes out. myhomeIQ: Seller scoring is proprietary with no published accuracy measure, trusted rather than checked. myhomeIQ: Equity reports are a crowded field, and differentiation rests on the agent features.

Which one fits which shop

Best fit for Down Payment Resource: Lenders losing otherwise good borrowers at the down payment. Best fit for myhomeIQ: An originator who wants a monthly homeowner equity report going out automatically and an agent partnership. hook attached to it.

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. Down Payment Resource: Workforce Resource LLC owns it, and founder Rob Chrane has run it since 2008, longer than anyone. Down Payment Resource: The enterprise product splits into four role-specific surfaces, with an Encompass integration bringing matching inside the LOS. Down Payment Resource: Borrower mix decides it: fast payback at first time and moderate income shops, barely a blip. myhomeIQ: myhomeIQ, run by SOA Labs, sends past clients a branded monthly home value and equity report. myhomeIQ: Predictive scoring sits on top and flags who is likely to sell within twelve months. myhomeIQ: Around that sit a refinance scanner, buyer funnels for niche programs, landing pages and an agent discovery tool. myhomeIQ: The agent tool turns the homeowner report into a shared asset with a real estate partner. myhomeIQ: It is built for the individual originator and the branch, and the agent partnership angle is what decides.

The short answer

Down Payment Resource finishes ahead on the published rubric, 4.3 to 4. The margin comes mostly from Integrations and ecosystem. Same rubric, same weights, no sponsorships.