J.L.Sherman&Associates,Inc.

The Leader in Loan Quotation and Loan Calculation Software

Introduction

Sherman and Associates is the leader in loan quotation and loan calculation software, providing end user software and calculation engine solutions. J. L. Sherman and Associates, Inc. is the acknowledged leader in loan quotation software, including all credit insurance and debt protection methods in use across the country. We offer loan calculation and compliance engines, as well as end user loan quotation software. Sherman software systems are invaluable in calculating and disclosing even the most complex loan structures, quickly, easily, and accurately.

Our Products

Our loan calculation software can be broken down into two broad categories:

  1. Calculation engines which make our loan and compliance calculation expertise available to our partners, so that our partners can provide this expertise in their own software applications.
  2. End user loan quotation systems, which wrap a simple user interface around our calculation engine to provide a loan quotation sales tool that is both powerful, accurate, and easy to use.

Calculation Engines

The SCE API Server is loan calculation software that can be embedded within your own application, supporting consumer, commercial, and mortgage loan calculations. The SCEX is loan calculation software that can be embedded within your own application, supporting consumer, commercial, and mortgage loan calculations.

The SCE API Server is the easiest way to implement our expertise in your software solution. The SCE API Server is implemented as a microservice, and is either deployed by your devops team as a Docker container in your local and cloud environments or we can host it for you using AWS. Both methods expose the SCE through a HTTP REST API, which allows any team to begin using the SCE immediately - no development work is required to begin receiving results from the SCE.

The SCEX is a lower level library which will require some development work to integrate into your software application. We do provide sample implementation code for various development environments to give you a head start in this endeavor.

Loan Quotation Applications

Our internet and desktop loan quotation applications, eWinLoan and WinLoan-32 respectively, are considered the finest sales tools to help lenders increase their credit insurance and debt cancellation/deferment penetration.

Please take your time and browse through our web site. If you have any questions or comments about the web site or any of our products, please contact us.

 

New Qualified Mortgage and Escrow Analysis Modules in the SCE

Submitted 2026-10-29 08:26:00 -0700

The SCE is loan calculation software that can be embedded within your own application, supporting consumer, commercial, and mortgage loan calculations. Over the past few months we have added two new calculation modules to the Sherman Calculation Engine (SCE): a Qualified Mortgage (QM) analysis module and an Escrow Analysis module. Both are available through the JSON and XML interfaces of the SCE, and therefore through the SCE API Server and the SCEX.

... (Read on for more information)
 

HOEPA Updates for 2026

Submitted 2025-12-15 10:34:00 -0800

The SCE is loan calculation software that can be embedded within your own application, supporting consumer, commercial, and mortgage loan calculations. The CFPB is adjusting two dollar amounts that are used in the “points and fees” trigger for coverage under HOEPA for calendar year 2026. The two dollar amounts are (1) the loan amount threshold (changing from $26,968 to $27,592), and (2) the total points and fees amount (changing from $1,348 to $1,380). All of our core products will be updated to include these new amounts for the January 2026 release.

... (Read on for more information)
 

HOEPA Updates for 2025

Submitted 2024-11-21 11:51:00 -0800

The SCEX is loan calculation software that can be embedded within your own application, supporting consumer, commercial, and mortgage loan calculations. The CFPB is adjusting two dollar amounts that are used in the “points and fees” trigger for coverage under HOEPA for calendar year 2025. The two dollar amounts are (1) the loan amount threshold (changing from $26,092 to $26,968), and (2) the total points and fees amount (changing from $1,305 to $1,348). All of our core products will be updated to include these new amounts for the January 2025 release.

... (Read on for more information)
 

Announcing Our Partnership with FinMkt

Submitted 2023-10-23 08:48:00 -0700

We are pleased to announce that FinMkt has chosen J. L. Sherman & Associates’ SCE API Server for use in their cloud-based technology stack.

“We’ve had a highly beneficial experience with J. L. Sherman & Associates, and we’re pleased to be in partnership with a top-notch provider of loan quotation software. This collaboration empowers us to navigate potential disputes with issuing or purchasing banks regarding loan calculations effectively, ensuring a higher degree of security and precision in our operations. As a result, our business processes have been significantly enhanced, positively impacting client satisfaction.”

— Dheeraj Medikonda, COO, FinMkt

... (Read on for more information)
 

HOEPA Updates for 2024

Submitted 2023-10-09 14:31:00 -0700

The SCEX is loan calculation software that can be embedded within your own application, supporting consumer, commercial, and mortgage loan calculations. The CFPB is adjusting two dollar amounts that are used in the “points and fees” trigger for coverage under HOEPA for calendar year 2024. The two dollar amounts are (1) the loan amount threshold (changing from $24,866 to $26,092), and (2) the total points and fees amount (changing from $1,243 to $1,305). All of our core products have been updated to include these new amounts in the October release.

... (Read on for more information)