What's happening to your book
- A servicer calls the moment the numbers work — before you do
- A borrower refinances and you find out only if they mention it
- A past client lists their next home with an agent you've never met
Your past borrowers are refinancing. Just not with you.
Every loan you've closed is already in Model Match. See which past borrowers refinanced or took a second with another lender in the last 14 months, and who's still in the home.
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Retention Status: Losing ground
More of your refinancing borrowers went elsewhere than stayed.
Refi Retention Rate
42%
vs prior period
Borrowers You Kept
18
$6.4M refinanced with you
Missed Loans
25
$9.8M refinanced elsewhere
Second Positions Elsewhere
4
$1.1M in HELOC / home equity
Where your borrowers went
The companies and loan officers who captured your borrowers' next loans.
Companies that captured these loans
Company Loans Volume
Crosspoint Mortgage 7 $2.9M
First Reliant Bank 5 $2.1M
Summit Peak Lending 4 $1.6M
Harbor Trust Mortgage 3 $1.2M
Originators who captured these loans
Originator Company Loans
Derek Holloway Crosspoint Mortgage 4
Natalie Reyes First Reliant Bank 3
Colin Babcock Summit Peak Lending 3
Michelle Danvers Harbor Trust Mortgage 2
Borrowers at risk right now
The next ones to leave are already signalling — listings, sale propensity, and rate.
All signals 71 Listed 6 Likely to list 54 Rate incentive 11
618 Aspen Hollow Ct Round Rock, TX 78681 Crosspoint Mortgage $486,000 Listed now
2914 Copper Creek Dr Franklin, TN 37064 First Reliant Bank $612,000 Listed now
77 Windsor Meadow Ln Boise, ID 83716 — $398,000 Likely to list
1442 Kestrel Ridge Way Cary, NC 27519 — $521,000 Likely to list
Servicers and other lenders are calling your past borrowers.
When a refi or a HELOC makes sense, the servicer or another lender often reaches your borrower first. Unless you're watching, you find out after the loan closes.
What Model Match already tracks
- Every loan you've closed, tied to your NMLS ID
- Who refinanced or took a second — and whether it was with you
- Who's recently listed, and who's showing signs they're about to
How it works
One report, and you can see what you've been missing
Your own Retention Status is two clicks away — no filters to build.
Watch the walkthrough (6 min)- 1
Pull up your own report
Search your name or NMLS ID in Model Match to open your Loan Officer profile — the same production report built for every originator, aimed at your own book.
- 2
Open Borrower Retention
Your Retention Status shows exactly how many past borrowers refinanced or took a second elsewhere in the last 14 months — and which companies and loan officers captured them.
- 3
Catch the next ones before they leave
Borrowers at risk right now flags who's actively listed, who's not listed yet but scores top-decile on likelihood to sell, and who's sitting on a rate high enough to refinance — so you can call before someone else does.
Retention Status: Losing ground
More of your refinancing borrowers went elsewhere than stayed.
Refi Retention Rate
42%
vs prior period
Borrowers You Kept
18
$6.4M refinanced with you
Missed Loans
25
$9.8M refinanced elsewhere
Borrowers at risk right now
The next ones to leave are already signalling — listings, sale propensity, and rate.
All signals 71 Listed 6 Likely to list 54 Rate incentive 11
618 Aspen Hollow Ct Round Rock, TX 78681 Crosspoint Mortgage $486,000 Listed now
2914 Copper Creek Dr Franklin, TN 37064 First Reliant Bank $612,000 Listed now
77 Windsor Meadow Ln Boise, ID 83716 — $398,000 Likely to list
See who's already gone. And who's about to be.
A list of past borrowers is only useful if it tells you who to call first. This is everything Borrower Insights attaches to each one once they're back on your screen.
Who refinanced or took a second
Where the record shows it, see which past borrowers refinanced or took out a HELOC or second in the last 14 months — and whether they came back to you or went to another originator or lender.
Who's already listed
See which past borrowers have recently listed their home — before another agent's sign in the yard is the first you hear of it.
Who's likely to list next
Surface past borrowers showing signals they're likely to list soon, so you can reach out while the loan — and the referral — is still yours to win.
The rate they're carrying
See the interest rate on the loan they're in now, so you know in one glance whether a call is worth making today or worth a note for later.
Equity and today's value
Equity balance, equity percentage, and an estimated home value with a confidence score — the difference between a refi conversation and a HELOC conversation.
Compliance on the record
DNC and TCPA litigator flags sit on the record before you dial, so the list you hand your team is one you're comfortable having them work.
CRM-ready export
Export the list you've worked with the phone, email, and loan details that tell you how to open the conversation — ready to drop into whatever you're already using.
Or just ask
Ask Model Match, the AI assistant, can pull any of this in plain English — “which of my past borrowers refinanced elsewhere this year” works as well as building the filter yourself.
Refi retention, for example
38%
Came back to you
62%
Went to another lender
33%
Median retention at your volume (last 14 months)
3
Past borrowers listed this month
Illustrative example based on a mid-volume LO's book — not an aggregate of your actual production. Your real numbers show up once you pull your own loans.
The questions we get asked first
Something we didn't cover? Ask our team directly.
Your past borrowers won't wait for you to notice
Get 30 days free, then $49/month. See who's already refinanced without you in the last 14 months, who's about to list, and who's still worth the call this week.
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