Mortgage Insight Lab™ connects to your loan origination system and turns your existing client data into actionable intelligence — renewal risks, refinance opportunities, dormant recoveries, and niche specializations you didn't know you had.
The Problem
Your LOS stores data. It doesn't think about it. You'd need hours of CSV exports and spreadsheet work to find what MIL surfaces automatically — and most brokers never find it at all.
MIL eliminates the CSV export → spreadsheet analysis → manual interpretation cycle. The AI does the thinking. The broker does the acting.
The Experience
Each dashboard solves a specific problem brokers face daily. In production, every number is pulled from your actual book via your LOS API. No CSV exports. No spreadsheets.
A composite business health metric — like a credit score for your practice. Concentration, renewal pipeline, dormancy, rate exposure, lender diversity, all scored.
Core IntelligenceReal-time valuation using a multiplier model (1.5x–3.5x trailing revenue). Know what your book is worth before you need to sell it — and how to increase it.
Core IntelligenceAI continuously scans your book for refinance candidates, trigger rate thresholds, stalled files, rate-beat scenarios, and cross-sell opportunities. Prioritized by revenue impact.
Core IntelligenceProactive warnings — concentration risk, maturity clustering, rate type imbalance, geographic concentration. Color-coded severity with remediation steps.
Core IntelligenceDetects natural specializations in your book and scores them. Discover where you have a data-backed niche versus where you think you do. Specialize with proof.
Core IntelligenceVisual timeline of upcoming renewals (12, 6, 3 months out) with outreach triggers. Pipeline health, deal velocity, bottlenecks, and dormant client recovery.
Enhanced ValueHistorical seasonality with AI overlay — pattern recognition, predictive forecasts for 3–6 months, capacity planning hints, and anonymized benchmarking.
Core IntelligenceReal BoC overnight rate data, GoC bond yields, US Treasury yields, and mortgage rate tracking. Educational context with client-level impact actions.
Core IntelligenceAuto-parsed lender rate sheets from your email. A/B/C channel routing cross-references against your book for instant opportunities. Your personal rate library.
Core IntelligenceSpotlight Feature
Connect your email (Gmail OAuth, read-only). Tag each approved lender to a channel. MIL parses rate sheets automatically and cross-references against your book — surfacing opportunities the moment rates change.
Major banks, monolines, credit unions. Rates match against active clients for renewal, refinance, and rate-beat opportunities.
Alt-A lenders with expanded guidelines. Matches against declined files and clients who didn't qualify at prime.
Private lenders, MICs, bridge financing. Matches against urgent bridge needs, debt consolidation, and short-term solutions.
Full Feature Roadmap
Three tiers of intelligence — from AI-driven insights no LOS provides, to enhanced versions of existing tools, to the table stakes every broker expects.
How It Works
MIL is a read-only intelligence layer on top of your existing LOS. It never replaces your LOS, never writes back, never modifies your records.
Link your Newton Velocity account — additional LOS integrations (Scarlett, Filogix) are planned. One-time setup, continuous sync. MIL uses an adapter pattern — adding a new LOS is a new connector, not a rebuild.
Client records, deal details, mortgage terms, rates, property info — all normalized into MIL's universal schema. Your LOS remains the source of truth.
Every dashboard populates automatically. Opportunities surface, risks flag, niches reveal themselves. No CSV exports, no manual uploads, no spreadsheets.
Prioritized action queues with estimated revenue impact. Every insight is explainable — not a black box. You decide what to act on and when.
Trust Architecture
Trust isn't a policy at MIL — it's an architectural constraint. We literally cannot see your client data.
Every broker's data lives in its own isolated tenant. There is no admin "god view" — not for support, not for engineers, not for the founder. Support uses anonymized record IDs only. This isn't a policy — the access literally doesn't exist.
All data stored on Canadian servers. PIPEDA compliant. Your client data never leaves the country.
Full data export + certified deletion within 30 days on cancellation. No hostage data. No retention games. You leave, your data leaves with you.
Plain-language, broker-facing, downloadable from your dashboard. Not buried in legal terms — front and center where you can find it.
Per-client flag that permanently overrides all outreach logic. Once flagged, that client never appears in any alert, campaign, or action queue. Your judgment is final.
MIL never writes to your LOS. Never modifies, deletes, or creates records. Your LOS remains the source of truth. MIL is an observer — it watches, finds patterns, and tells you what to do.
Better Together
MIL works standalone — but paired with Authority Hub™, your book intelligence feeds your AI visibility. MIL discovers who you really are. Authority Hub™ tells the world.
Discovers your data-backed niches, specializations, and market strengths
Generates AI authority content from real operational intelligence
Content backed by real data = stronger authority signals
Mortgage Insight Lab™ is in development. Join the waitlist and we'll notify you when early access opens.
No commitment · Built for Canadian mortgage brokers · Your data, your book, always.