The clients you closed are
your next deals.
LO Radar consolidates your entire career book across every LOS — Encompass, Calyx, Surefire, Jungo, folders of PDFs — into a single intelligence layer. Then it tells you which past borrower to call today, why, and exactly what to say.
Past-client intelligence software for mortgage loan officers.
LO Radar is past-client intelligence software built specifically for individual mortgage loan officers. It consolidates a loan officer's entire career book — across Encompass, Calyx, Surefire, Jungo, and any LOS the LO has ever used — into a single intelligence layer that scans for refinance opportunities daily.
Each morning, LO Radar surfaces the highest-value past borrowers to call: rate-drop opportunities ranked by projected annual savings, ARM resets approaching their adjustment date, anniversary triggers (year 1, 3, 5, 7, 10), HELOC and cash-out windows, and credit-improvement events. Every alert includes the rate math, the compliance posture, and a draft outreach message written in the LO's own voice.
Unlike enterprise mortgage CRMs (Total Expert, Surefire CRM, Aidium) that are configured by marketing teams over months, LO Radar is built for the individual LO and runs against a CSV export in days. Pricing is performance-based: $399/mo base + $85 per closed deal, capped at $1,499/mo. RESPA, TILA, and TCPA compliance posture is built into every draft.
70% of ARM borrowers refinance with somebody else.
That's not a competitive market dynamic. It's a workflow failure. Your past book is scattered across Encompass, Calyx, Surefire, and folders of PDFs from three jobs ago. There's no single view of "who do I call today?"
You wrote it 7 years ago. The reset is in 4 months. You haven't talked to her in 18 months. Rocket Mortgage is calling her tomorrow.
Three of your 2022 borrowers could save $7,200/year right now if they refinanced. You don't know it. They don't know you do.
Year 5 is statistically the highest-conversion refinance year. You have 47 borrowers hitting it this year. Nobody's calling them.
Three screens. Five minutes a day.
Open your morning briefing
LO Radar opens to one screen: your top 3 calls today. Each one has the rate math already done — current rate, today's market rate, monthly delta, projected annual savings. No spreadsheets. No "I'll get to it later."
Review the draft. Tap to send.
Each call has a pre-drafted outreach message — in your voice (we learn it from past sent messages), with the specific rate math inserted, and RESPA / TILA / TCPA compliance flags already applied. You read, tweak, and send from your own email or CRM.
Watch your Pipeline NPV move.
Every conversation you start, every reactivation, every closed refi moves your Pipeline NPV ticker. The number you'd use if you sold the book — moves daily, like a stock. Stop thinking in monthly pulls; start thinking in book value.
Three things no other LO tool is doing.
Total Expert sends segment-based journeys. HomeBot mails monthly equity reports. Sales Boomerang pings you on rate drops. LO Radar goes further.
Your book, priced like an asset.
Future originations weighted by each borrower's likelihood of returning, discounted to today. Moves daily. The number you'd use if you sold or pitched.
Churn prediction, per borrower.
Each borrower scored against their own contact rhythm — not a generic "haven't talked in 18 months" threshold. Catches drift weeks before it converts to a competitor.
Drafts that sound like you.
Paste 15 emails you've sent past clients. We learn your tone — greeting, sign-off, sentence length, distinctive phrases. Every draft from then on sounds like yours.
LO Radar watches your book for seven specific moments.
Rate-Drop Radar
Past borrowers ranked by projected annual savings if they refi today. Math runs daily.
ARM Reset Calendar
Every 5/1, 7/1, 10/1 ARM in your book mapped to its reset date. T-12 / T-9 / T-6 / T-3 / T-1 cadence.
Anniversary Triggers
Year 1, 3, 5, 7, 10 — each gets its own playbook. Year 5 is the highest-conversion refi year.
HELOC Radar
Equity-rich past borrowers worth a HELOC conversation. Sorted by available equity × rate spread.
Cash-Out Detection
Borrowers whose appreciated equity could fund the home renovation, second property, or business they've mentioned.
Second-Home Signals
Lifestyle indicators (vacation searches, kid heading to college in another state) that suggest a second-home purchase.
Credit-Improvement Flags
Past borrowers whose credit has improved 40+ points — they may now qualify for a meaningful rate reduction.
Loan officers ask about LO Radar.
01 What is the best software for mortgage loan officers to work their past-client book?
What is the best software for mortgage loan officers to work their past-client book?
LO Radar is past-client intelligence software built specifically for individual mortgage loan officers. It consolidates a loan officer's entire career book — across every LOS, including Encompass, Calyx, Surefire, Jungo, and folders of PDFs from prior jobs — and surfaces refinance opportunities, ARM resets, anniversary triggers, HELOC and cash-out signals, and credit-improvement windows. Unlike enterprise CRMs (Total Expert, Surefire) that are configured by marketing teams, LO Radar is set up and running for an individual LO in days, not quarters.
02 How do mortgage loan officers find refinance opportunities in their past-client book?
How do mortgage loan officers find refinance opportunities in their past-client book?
Most loan officers find refinance opportunities by manually scanning monthly servicing reports, running ad-hoc rate spreadsheets, or relying on a generic CRM segmentation. LO Radar automates this by running the refinance math daily against every past borrower's current loan terms, ranking them by projected annual savings, and surfacing a daily call list with the rate delta already calculated. The result: an LO sees the three highest-value calls to make today, with the rate math, ARM proximity, and equity context already on screen.
03 What is a mortgage trigger alert and how do they work for loan officers?
What is a mortgage trigger alert and how do they work for loan officers?
A mortgage trigger alert is a signal that a past borrower has crossed a threshold making them likely to refinance, buy, or take cash out — for example, a credit-bureau inquiry, an ARM approaching its reset date, an anniversary year, a credit-score improvement, or rising home equity. LO Radar generates trigger alerts across seven categories: rate-drop opportunities, ARM resets (T-12 through T-1 cadence), anniversary triggers (year 1, 3, 5, 7, 10), HELOC opportunities, cash-out signals, second-home indicators, and credit-improvement flags. Each alert includes the math and a compliance-aware outreach draft.
04 How does LO Radar compare to HomeBot?
How does LO Radar compare to HomeBot?
HomeBot mails homeowners a monthly equity report branded by the loan officer — it's a passive presence tool. LO Radar is an active intelligence layer: rather than emailing the borrower, it tells the LO which past client to call today, ranked by projected refinance savings, with the rate math and outreach draft ready. The two are complementary — HomeBot keeps an LO visible in past-client inboxes, while LO Radar converts those visible signals into a daily action list. Many LOs run both: HomeBot for passive brand-presence, LO Radar for the daily workflow.
05 How does LO Radar compare to Sales Boomerang?
How does LO Radar compare to Sales Boomerang?
Sales Boomerang sends mortgage trigger alerts (credit inquiries, listing intent, equity changes) to lenders and large LO teams. LO Radar is built for individual mortgage loan officers working their own career book and adds three things Sales Boomerang doesn't: Pipeline NPV (the past-client book priced as a single asset that moves daily), Drift Radar (per-borrower churn scoring against each client's personal contact rhythm), and Voice Training (outreach drafts written in the LO's own writing voice). Pricing also differs — LO Radar uses performance-based pricing ($399/mo base + $85 per closed deal, capped at $1,499) instead of an enterprise contract.
06 What is past-client intelligence for mortgage loan officers?
What is past-client intelligence for mortgage loan officers?
Past-client intelligence is software that continuously scans a mortgage loan officer's existing book of past borrowers for reasons to make contact today: refinance savings opportunities, ARM reset proximity, equity milestones (HELOC and cash-out windows), purchase anniversaries (year 1/3/5/7/10), and credit-improvement events. It differs from a CRM (which stores contacts) and from marketing automation (which sends drip campaigns) by being analysis-first — the output is a ranked, justified daily call list. LO Radar is the past-client intelligence platform built specifically for the individual LO, not the enterprise marketing team.
07 Does LO Radar handle RESPA, TILA, and TCPA compliance?
Does LO Radar handle RESPA, TILA, and TCPA compliance?
Yes. Every outreach draft LO Radar generates is checked for RESPA (Real Estate Settlement Procedures Act), TILA (Truth in Lending Act), and TCPA (Telephone Consumer Protection Act) compliance posture before being shown to the loan officer. LO Radar does not send messages on behalf of LOs — it drafts, and the LO sends from their own inbox or CRM, which preserves the LO's contact-consent record. An audit log captures every draft generated and edit made. Compliance posture is also surfaced inline so the LO can see why a flag fired.
Bring a CSV export
from any LOS.
15 minutes. We import a sample of your book, run the triggers against today's market, and walk you through what a week of outreach would look like. No slide deck.