Purpose-built for mortgage servicers, Altair delivers the real-time credit data, behavioral signals and predictive models required to act fast, reach borrowers across channels, and ultimately maximize recapture rates.
Altair’s Recapture Engine is a purpose-built borrower intelligence layer that delivers credit, property, consumer life event and predictive signals straight into the systems you already run, in real time, compliant by design, and ready to act on. Finally, you can keep more of the borrowers you already serve and turn recapture into a reliable KPI.
Propensity scores for refinance, cash-out, HELOC, prepay and retention.
Real-time alerts for important credit-based moments, from new loan applications to credit score changes
Comprehensive data, real-time speed, and cross-channel activation capabilities to meet borrowers so intuitively, winning them again feels inevitable.
Real-time credit, property and equity, consumer and life-event signals, plus off-the-shelf models for refi, cash-out, HELOC, and prepayment — all run through your own risk logic.
Predictive models flag borrowers most likely to take action before they raise their hand. And when a borrower takes action—such as submitting an application elsewhere—real-time alerts enable immediate, same-day engagement.
Individual borrower-level intelligence flows seamless into your current tech stack: data warehouse, CRM, agent prompts, AI application or marketing tool. Nothing to rip out, nothing to adopt.
One layer connecting borrower signals to servicing action across the full lifecycle — from the borrowers you are at risk of losing to proof that you won them back.
Every lost borrower carries a real cost to the business. On average, this means approximately $5-$6k in servicing revenue, in addition to $11k in average acquisition costs to acquire another loan to take its place.
Average impact of a lost borrower
Enter your servicing volume and annual runoff. In under a minute, see how much value you’re leaving on the table each year. And then, calculate what improving your recapture rate by partnering with Altair could mean for your business.
With real-time credit and consumer intent signals, you reach the right borrower with the right offer at the exact moment it is personalized and drives responses. The outreach feels less like marketing and more like perfect timing.
Download the full capability overview to share with your team.
The average servicer is losing 6 in 10 borrowers. How can servicers leverage borrower level intelligence to protect the portfolio.
Altair’s CEO, David Hadaway, delivers a fresh, candid perspective on the forces reshaping mortgage servicing—and what industry leaders should be thinking about next. Check out his daily insights.
Recapture is the share of your paid-off and refinancing borrowers that you win back into a new loan instead of losing them to another lender. It now sits on the executive dashboard next to delinquency and MSR value.
The signals that drive recapture live outside the servicing system, and batch cycles surface them only after a competitor is already in the conversation. The typical lender keeps fewer than four of every ten past borrowers. Recapture is a data problem, not a platform problem.
Around $4 to 5K in lost servicing revenue when the MSR ends, plus roughly $11.1K to backfill that runoff with a new origination, for an average impact near $16K per borrower (MBA, Q3 2025).
A purpose-built borrower intelligence layer that delivers real-time credit data, property and equity signals, life-event triggers, and predictive models into the systems you already run, compliant by design.
No. Borrower-level intelligence flows into your existing data warehouse, CRM, AI application, or marketing tool. It is an intelligence layer, not infrastructure. Nothing to rip out, nothing to adopt.
