HoldFast · Mortgage Lending A.I. Data Analytics
Every loan. Every number. Plug the leak.
HoldFast unifies your origination, servicing, and secondary-market data into one governed warehouse — then turns it into a live recapture engine so the borrowers you already own don't walk to whoever mailed them first.
The cost of doing nothing
You're not competing with rate sheets. You're leaking a book you already own.
In a flat market, roughly 5% of your addressable pool transacts every year. Without a recapture engine, retention hovers at 5%. The math on your own book, played out to the final loan: about $1.2M in net comp and MSR value walks to a competitor every year.
When rates dip 100 bps, that number more than triples. A low-WAC servicing strip is a coiled spring — it's worth the most in the moment it's most likely to run off.
Modeled leakage
Annual walked value — with and without recapture
4,440 addressable · $5,600 / walk
Assumptions: 5% flat / 15% at −100 bps / 20% at −150 bps annual transaction rate on the addressable pool (MBA + Freddie PMMS ranges); 5% retention without portal, 60% with; $4,500 origination comp + ~$1,100 blended MSR runoff per walk. Directional — configure to your book.
The problem
Your data already exists. It just doesn't agree with itself.
Mortgage runs on a dozen systems that were never built to talk to each other. The answer is in there — it just takes a week and three analysts to find it.
LOS, servicing, CRM, POS, pricing engine, GL, and the secondary desk each hold a slice of the truth — and none of them agree.
"What was pull-through by branch last quarter?" turns into a week of CSV exports, VLOOKUPs, and reconciliation before anyone trusts the number.
Board decks built on month-old extracts. By the time the report lands, rates have moved and the pipeline has already turned over.
How it works
From scattered systems to one trusted view.
No data team to hire, no warehouse to stand up. HoldFast does the plumbing so you get the answers.
Connect your stack
Point HoldFast at Encompass, MeridianLink, your servicing system, CRM, and pricing engine. Pre-built connectors pull loan-level data on a schedule — no engineering project.
Unify into one model
Every record lands in a governed mortgage data warehouse with a common loan, borrower, branch, and investor model. One definition of pull-through, margin, and cycle time across the whole company.
See it live
Production, pipeline, profitability, and servicing dashboards refresh automatically. Drill from the enterprise number all the way down to a single loan.
Act on it
Alerts on margin compression, fallout, stalled files, and delinquency roll-rates land before they cost you — so teams fix the loan, not the report.
The recapture engine
Four plays on the book you already own.
Each play is a saved query, refreshed daily against loan-level detail — with the LO tagged, the script pre-written, and the file already open when the phone rings.
ITM Recapture
Every borrower whose rate beats today's market by 75+ bps is a refi somebody's going to book. Rank the entire book by monthly savings, filter to your LTV and seasoning rules, and hand your LOs a ready-made call list before a competitor does.
Cash-Out Candidates
AVM-refreshed current LTV flags every primary-res borrower with meaningful equity. Score by capacity at 80% LTV, filter by state or FICO, and hand the top of the list to servicing before a HELOC from a big bank does.
Lender Auction
Anonymized loan tape goes out to your contracted lenders. They compete on rate + points; the winning file unlocks to a single bidder. Best-execution captured on every deal, not just the ones you had time to shop.
Retention risk
Low-WAC servicing looks safe until rates dip. Watch high-UPB retained loans by rate advantage, servicer, and geography, so you know which borrowers a competitor's mailer is about to catch.
Inside the app
Every screen answers one loud question.
Numbers below are from a live demo on a synthetic 10-year, 13,616-loan book — the same rendering you'd see against your own data. Not marketing mock-ups.
Screen 01
Portfolio Summary
Every KPI at a glance — funded loans, UPB, WAC, retention — filtered to any range or slice of the book.
Screen 02
ITM Recapture
The money query. Refinance targets ranked by estimated monthly savings, with the LO tagged for the call.
Screen 03
Cash-Out Candidates
Equity you already earned — surfaced with AVM-refreshed current LTV and lendable capacity at 80% LTV.
Screen 04
Lender Auction
Anonymized tape out to your panel; ranked-bid table; one-click award with the full file unlock only to the winner.
The platform
Built for how mortgage companies actually run.
Origination through servicing, front office to secondary — one platform, one set of definitions.
Production & pipeline
Locks, fundings, pull-through, fallout, and cycle time by branch, channel, product, and loan officer — updated as the pipeline moves.
Profitability & margin
True profit per loan: gain-on-sale, secondary execution, comp, and cost-to-originate netted out. See where basis points leak.
Servicing & portfolio
Delinquency and roll-rate trends, prepayment speeds, escrow exposure, and MSR performance across the serviced book.
Compliance & fair lending
HMDA LAR validation before submission, plus fair-lending and redlining analytics by geography and demographic — issues surfaced early.
Forecasting
Lock-to-fund and funding forecasts driven by your own historical conversion, so capacity and warehouse planning stop being guesswork.
Executive dashboards
One board-ready view of volume, margin, and quality — and a self-serve layer so analysts answer their own questions.
Integrations
Connects to the systems you already run.
Pre-built connectors for the mortgage stack — and a flexible pipeline for anything custom.
ICE / Encompass
Loan origination
MeridianLink
LOS & consumer lending
Servicing systems
MSP, Sagent & more
Optimal Blue
Pricing & lock data
Salesforce / CRM
Lead & borrower data
Investor & GSE
Fannie, Freddie, Ginnie reporting
Don't see your system? HoldFast ingests from any database, API, or flat-file feed — just ask.
The payoff
Less time wrangling data. More time deciding.
Reconciliation and CSV gymnastics give way to dashboards that are right the first time.
When margins are this thin, the lender that sees the number first wins the decision.
Illustrative — actual gains depend on data volume and the number of systems consolidated.
Security & trust
Borrower data, handled the way a lender should.
You hold the most sensitive data your customers will ever share. HoldFast is built to protect it.
- SOC 2-aligned controls and encryption in transit and at rest
- Runs in AWS — your data stays in your cloud footprint, not a shared multi-tenant pool
- Row- and column-level access so a branch sees its book and the C-suite sees all of it
- Full audit trail on every query, export, and data refresh
- PII handling and field-level masking aligned to GLBA expectations
See your own leakage — and plug it.
Tell us a little about your shop and we'll walk you through a live demo on data that looks like yours — recapture, auction, portfolio, and compliance, all in one view.