In today’s competitive mortgage landscape, monitoring borrower engagement and optimizing service delivery is vital. To address this need, a new tool has emerged that leverages a unique combination of indicators to identify mortgages within a servicing portfolio that may need additional attention. This tool allows servicing and retention teams to launch outreach initiatives across various borrower touchpoints, including online portals and monthly statements.
The platform actively tracks engagement at the offer level, monitoring key metrics such as digital views and clicks to provide a comprehensive overview of borrower interest.
Borrowers can access tailored offers via Vertyx’s borrower portal, which presents messages customized for each individual loan. This feature is particularly beneficial for borrowers who have multiple mortgages, as it allows them to view pertinent information for each loan separately.
“Servicing teams need tools that help them anticipate borrower needs while ensuring a helpful and personalized experience,” stated Ayo Opeyemi, co-founder of Vertyx. “Borrower Relationship Management builds on our platform’s foundational capabilities, assisting servicers in engaging homeowners at critical moments through channels they already utilize.”
On the investment front, the Borrower Relationship Management feature employs artificial intelligence–driven analytics to evaluate a mortgage’s return and risk profile. This includes assessing changes in loan performance and potential delinquency scenarios.
Investors benefit from the ability to analyze portfolio-level trends and scrutinize individual loans, including details like payment history and cash flow, according to the company.
“Traditionally, accessing servicing data in a timely and usable format has proven challenging for investors,” noted Moyin Opeyemi, co-founder of Vertyx. “By integrating loan-level value signals and engagement insights with comprehensive portfolio visibility, investors and servicers can prioritize their efforts and respond proactively when performance or payoff risks start to change.”
Borrower Relationship Management is part of Vertyx’s extensive servicing platform, which encompasses Edge, the core servicing system; myAxis, the borrower portal; and Lynk, the investor portal.
