Method, a financial connectivity platform serving fintechs and financial institutions, has announced the release of Portfolio Intelligence, a new product designed to provide lenders with continuous post-origination monitoring of their borrower portfolios.

Portfolio Intelligence continuously monitors borrowers' full liability profiles across more than 90 financial health signals through direct connections to thousands of financial institutions. Unlike previous approaches that have relied on periodic data pulls, manual batch uploads, or customers maintaining their own account connections, Method's solution operates on a continuous basis. Once a borrower consents at the time of origination, no further reauthentication is required, eliminating manual overhead and coverage gaps.

The product enters a market where lenders have historically relied on point-in-time credit bureau pulls at origination followed by periodic refreshes, leaving significant gaps in visibility between checks. As the CFPB advances open banking rulemaking under Section 1033 of Dodd-Frank, the broader financial data connectivity ecosystem—populated by players such as Plaid, MX, and Finicity—has been steadily expanding from payment initiation and account verification into deeper, ongoing liability intelligence.

The product is aimed at any lender managing an existing book of borrowers, including personal loan companies, mortgage servicers, credit unions, and fintechs. Method's platform natively integrates with a lender's own systems and functions as an additive intelligence layer on top of their existing data infrastructure. It delivers signals via webhook whenever a borrower crosses a pre-defined threshold, helping lenders identify borrower behaviors they previously lacked visibility into and surface appropriate financial product offers as borrowers match key criteria.

Pilot Results with Major Mortgage Provider

In an eight-week pilot conducted with a major national mortgage provider, Portfolio Intelligence delivered measurable results. The provider experienced a 40% increase in the number of borrowers who qualified for debt consolidation and a 27% increase in HELOC-eligible borrowers. The pilot also helped new borrowers transition from a median credit card APR of 24% to a mortgage rate near 7%, saving approximately $4,000 in avoidable interest per borrower.

These results come at a time when many homeowners have accumulated significant home equity but remain locked out of refinancing by elevated mortgage rates, intensifying lender interest in products like HELOCs and debt consolidation as alternative borrower engagement paths.

Three Strategic Capabilities

Method positions Portfolio Intelligence as enabling lenders to engage proactively with borrowers across three key areas:

Grow: According to Method, two-thirds of borrowers take out another loan within 12 months of funding, but lenders typically discover this only after the borrower has gone elsewhere. Portfolio Intelligence can identify borrowers with falling utilization rates, declining balances, and strengthening week-over-week payment behavior, enabling lenders to recommend relevant financial products.

Protect: With borrower consent, the platform monitors more than 90 financial health signals to detect meaningful changes in a borrower's financial situation. Lenders can track metrics such as payment-to-minimum ratios, utilization trends over time, and whether borrowers have turned off autopay, allowing them to identify credit risk indicators while there is still time to intervene.

Re-engage: When a borrower is declined for a product, they typically move on to another lender. Portfolio Intelligence enables lenders to maintain engagement and reach back out with personalized offers when previously declined borrowers cross specific qualification thresholds.

Customer Availability and Leadership Perspective

Portfolio Intelligence is currently live with multiple existing Method customers who are utilizing real-time data intelligence connected to their existing loan books.

Jose Bethancourt, co-founder and CEO of Method, said: "Current data and connectivity options in financial services are unreliable and don't provide a comprehensive picture of liabilities, reducing the accuracy of targeting. We think our Portfolio Intelligence tool addresses both of these gaps."

"We're excited to launch Portfolio Intelligence because we've been hearing from our customers and prospects for a long time what a cost this is having on their business, leaving them blind to both the opportunities and risks within their existing customer-set," Bethancourt added.

Method positions the product as filling a significant data blindspot in the lending industry, enabling financial institutions to serve a broader range of borrowers with appropriate products while managing portfolio risk more effectively.