Lender Price has launched a self-service "APR Portal," extending its enterprise-grade borrower retention and portfolio recapture platform to a broader segment of the mortgage market. The company's APR (Analyze, Price, Recapture) tool — an automated, real-time recapture system already deployed by leading lenders and servicers — processes hundreds of millions of loan scenarios each month and generates over 10% in immediate origination opportunities from existing portfolios.

The launch comes at a time when mortgage lenders face persistent pressure on origination volumes. With rates significantly higher than the refinance-driven peaks of 2020–2021, many IMBs and credit unions are placing greater emphasis on retaining borrowers already in their portfolios rather than competing solely for new purchase business. Borrower recapture — identifying existing customers who could benefit from refinancing or a home equity product — has become a critical margin lever for lenders of every size.

Until now, independent mortgage banks (IMBs) and credit unions had limited options for borrower retention. They could either invest in costly, labor-intensive retention processes that lacked scalability or risk losing borrowers to competitors offering more favorable terms. The new APR Portal changes this dynamic by enabling lenders of any size to upload their recapture pipelines and immediately begin monitoring borrowers in real time, automatically alerting them to refinancing and financing opportunities.

APR continuously evaluates every loan in a lender's or servicer's portfolio against live market pricing. It surfaces opportunities as they emerge and routes them directly into automated outreach workflows, eliminating manual handoffs. The platform distinguishes itself from competing solutions that rely on static portfolio snapshots, manual rate comparisons, or delayed reports that often arrive too late for actionable response.

This expansion mirrors the trajectory Lender Price established with its Base Price Solution (BPS), the industry's first fully automated base price creation tool for capital markets teams. BPS enabled lenders to manage and update base prices in minutes, replacing manual workflows. With APR, the company applies the same approach to borrower retention and portfolio repricing.

Key Capabilities of Lender Price APR:

• Real-time portfolio-wide repricing: Every loan is continuously evaluated against live market data — operating around the clock rather than on a quarterly or on-demand basis.
• Immediate recapture identification: APR flags refinance and retention candidates the instant they cross a pricing threshold, before competitors can reach them.
• Instant scenario pricing: Refinance and home equity origination scenarios are modeled automatically using each borrower's actual loan data combined with current market rates.
• Automated outreach workflows: Identified opportunities feed directly into engagement queues, removing lag between insight and action.
• Scalability for lenders of any size: The enterprise-grade platform is now accessible to IMBs and credit unions without the cost and complexity associated with legacy solutions.

"The lenders and servicers using APR today are retaining borrowers they would have previously lost — not because they changed how hard they worked, but because they could see the opportunity and act on it before competitors did. IMBs and credit unions who have been shut out of this category entirely can now compete on the same terms as the largest banks and servicers in the market," said Paul Orlando, Chief Strategy Officer at Lender Price.

IMBs and credit unions have long sought a recapture and retention solution tailored to their scale. Historically, portfolio analytics tools required the operational infrastructure, budget, and technical resources of a large enterprise servicer to implement and maintain. The self-service APR Portal reflects a broader trend in mortgage technology, where cloud-based platforms are progressively lowering the barrier to entry for capabilities once exclusive to the largest institutions.

"Lenders are finding more than 10% incremental origination volume from loans they already own. That kind of return comes from having the right intelligence at the right time and a platform that acts on it automatically. That is what Lender Price APR delivers, and no other solution in the market does it at this scale," said Dawar Alimi, CEO of Lender Price.

Lender Price continues to broaden its pricing technology suite across the mortgage market, working to ensure that capabilities once available only to the largest institutions are now accessible to every lender competing for borrowers.