The refinance opportunity alert is the proactive complement to the credit pull alert. Where credit pull alerts catch active intent (a competitor pulled credit, the borrower is shopping right now), refinance opportunity alerts catch latent opportunity (the math says a refi makes sense, even if the borrower hasn’t started shopping yet).
What triggers a refinance opportunity alert
- Rate gap — current market rate drops 0.75% or more below the borrower’s existing rate (the 0.75% rule)
- Loan anniversary — borrower hits the 1-year, 2-year, etc. anniversary of their original close date
- Equity threshold — borrower’s loan-to-value drops below 80% (PMI removal opportunity) or below 60% (cash-out refi opportunity)
- Rate-and-term opportunity — the math on a rate-and-term refi shows positive ROI for the borrower based on current rates and remaining loan term
How alerts deliver to the loan officer
BNTouch’s implementation fires email notifications immediately when the threshold is crossed, plus daily in-app push notifications on the LO’s dashboard with a tap-to-call action button. The borrower’s rate context, loan history, and prior outreach status are pre-loaded into the alert card so the LO can act in seconds.
Why refinance opportunity alerts move recapture rate
Industry median recapture rate is roughly 18%. LOs running disciplined refinance opportunity alert workflows hit 35-50%+. The system catches the opportunity 30-60 days earlier than credit-pull-based detection, which gives the LO time to start the conversation before the borrower even decides to shop.
