Refi cycles, pre-approval funnels, builder relationships, realtor partnerships — a connected motion that knows when a lead is ready to lock and acts on it.
When rates move, the funnel does too. Teams over-hire in waves and lay off in others. There's no smoothing layer.
Your top 5 referring realtors drive 60% of your volume. Your next 25 could drive another 40% if anyone followed up with them. Nobody does.
A drop in rates is a public event. Every lender in your borrower's contacts gets the alert. The fastest, most relevant outreach wins.
TCPA, RESPA, state licensing — every message needs review. The cost of that review is what kills speed.
Refi-eligibility scoring, equity-position changes, listings going active. Surface the borrowers most likely to need you.
Sequences that route through TCPA and state-rule classifiers before sending. Audit trail for every touch.
Creative variants for first-time buyer, refi, and HELOC funnels. Audience seeded from your CRM segments.
Identify and nurture realtor partners who match your loan officer style. Quarterly cadences that feel personal.
Track new construction projects in your service area. Identify builders without a preferred lender relationship.
Re-engage closed borrowers when their equity position or rate environment changes.
Numbers above are representative ranges from the last twelve months of customer outcomes in this vertical. Your results will differ; we'll model the expected range with your data before you sign anything.
The brokerage had ridden two boom-bust cycles in five years. Each downturn meant layoffs they regretted as soon as rates moved again. They wanted a system that could ramp volume up and down without ramping headcount the same way.
We built three motions in parallel: a refi monitoring system that surfaced their existing book whenever the borrower's specific rate-and-equity profile crossed a trigger; a realtor partner cadence that gave LOs a structured way to grow their referral network without cold-calling realtors; and a paid layer targeting first-time buyers in their service area.
Eighteen months in, their volume range narrowed from a 4×-to-1 ratio between peak and trough to roughly 1.8×-to-1. They haven't laid off a loan officer since. That's the outcome they actually wanted; the pipeline numbers were a means to it.