Mortgage Recapture System Leverages 3DI to Add a '13th Month' of Revenue
The mortgage industry is a battlefield when it comes to retaining customers. Independent Mortgage Banks (IMBs) spend significant resources acquiring borrowers, yet many lose them when payoff requests arrive at their sub-servicer. By the time they realize a borrower is leaving, it's too late. But what if you could stop the loss before it happens?
That’s exactly what we achieved with our headless Mortgage Recapture system, built on 3DI.
The Challenge: Loan Runoff is Revenue Lost
IMBs have origination data in one system and servicing data in another. When a borrower starts a refinance or sells their home, the first sign of attrition is often a payoff request received by the sub-servicer. Historically, this information was buried in servicing logs—never reaching the right loan officer (LO) in time to act.
The 3DI-Powered Solution: Real-Time Loan Retention Alerts
Using 3DI, we built an automated system that:
This allows LOs to reach out to borrowers before they finalize their decision, giving them the opportunity to retain the business with a better offer, refinance, or new purchase loan.
领英推荐
The Impact: A '13th Month' of Revenue
This fully headless system runs in the background, automatically safeguarding revenue without adding workload for LOs or operations teams. One IMB that implemented this system shared the immediate impact:
"We heard from an LO today that a deal was saved because he received the alert! Thank you all for your help on this project!" - Director of Product Management
Loan retention isn’t just a convenience—it’s a game-changer. By proactively identifying borrowers at risk of leaving, this system can effectively add the equivalent volume of a 13th month to the IMB’s fiscal year, boosting profitability without increasing origination costs.
The Future of Mortgage Retention
This is just the beginning. IMBs that leverage 3DI’s real-time intelligence can stay ahead of borrower behavior and reduce loan runoff at scale. The key to winning in mortgage isn’t just originating loans—it’s keeping them.
If your IMB is looking to improve retention and maximize revenue, it’s time to rethink your approach. A headless, automated mortgage recapture system could be the missing piece.
#mortgage #IMB #mortgagerecapture #fintech #AI #headlessautomation #mortgagetechnology #3DI #retentionstrategy #loanofficers #datadriven #financialtechnology #digitaltransformation