Enrichment + Insights
Understand and Anticipate Your Customers’ Needs
Continually update your customer profiles with the latest data and insights into their financial situation, so you never miss an opportunity to engage them with the advice, education, or products they need—when they need it. No more digging through your database for the best opportunities.
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features
Turn data into deeper relationships
Know the moment your contacts are ready to act with a system of context that continuously monitors your database and surfaces high-quality opportunities as soon as they appear. Then, the Total Expert platform really goes to work—routing opportunities through Lead Management workflows and triggering AI-initiated outreach to turn every signal into timely, personalized engagements at scale.
Credit + debt enrichment
With access to their latest credit scores, debt-to-income ratios, estimated income, mortgage balances, revolving debt, auto loans, student loans, and more, your loan officers will have the context they need to make every conversation count.
Identify debt consolidation opportunities
Easily segment your portfolio and automatically enroll them in targeted outreach campaigns that position you and your team as a trusted financial advisor.
Know their buying power
Start every conversation one step ahead by knowing each borrower's qualifications and buying power, so you can engage with confidence and present the options that fit their financial picture.
Amplify the impact of other signals
Layer credit and debt data on top of an equity alert, soft rate drop, or credit improvement notification to create richer signals and help identify high-priority conversations with contacts who have more complex financial needs.
Rate enrichment + alerts
The housing market alternates between buyers’ and sellers’ markets. Our rate enrichment + alerts identify when homeowners qualify for a lower rate, then automatically trigger AI-initiated outreach with pricing scenarios, so your team never misses an opportunity to help customers explore their options.
Filter by loan criteria
Compare rates for each customer based on loan types and terms to provide more accurate refinancing scenarios.
Set minimum rate benefit
Set and adjust the minimum threshold for when your loan officers will receive a rate alert to ensure they’re engaging contacts with attractive offers.
AI Scenario Assistant
Automatically create scenario presentations for refinancing, leveraging equity, or new purchases that are personalized to each borrower. Explore AI Scenario Assistant >
Equity enrichment + alerts
Total Expert Customer IQ enriches your customer records with equity information, giving your lenders the ability to have more informed conversations with borrowers and deliver proactive communications that present the borrower with options for leveraging their equity, including:
- Cash-out refinances or home equity products
- Reverse mortgages for homeowners ages 62+
- Mortgage insurance removal
Pull the latest loan valuations
We calculate the homeowner’s current loan-to-value based on a weekly valuation of their property and the estimated mortgage balance.
Set alert thresholds
Set the loan-to-value threshold for when originators get notified to reach out and discuss the homeowner’s equity options.
Personalize every engagement
Once a contact reaches the loan-to-value threshold, you can add them to pre-built Journeys that pull in contextual data and fuel AI-initiated communications based on each customer’s financial situation, needs, and goals.
Mortgage credit inquiry alert
Our mortgage credit inquiry alert tells you when a competing lender pulls the credit of any contact in your database, so your mortgage team can connect with that borrower before it’s too late.
Alerts from all major credit bureaus
We’ll help link your database to the Equifax, Experian, and TransUnion networks, so you’ll know when borrowers get serious about starting the loan process.
Firm Offer of Credit (FOC) compliance
We deliver dynamic FOCs on your behalf to ensure compliance with industry regulations for consumer credit reports and activity.
Pre-built Journeys
Once you receive a mortgage credit inquiry alert, our platform automatically adds that contact to a customized Journey that includes context-driven, AI-initiated communications for faster engagement without sacrificing personalization.
Credit improvement alert
Don’t write off the 34% of applicants whose loan applications are denied due to poor credit. Provide ongoing, automated education and guidance to these future borrowers while monitoring their credit. Once their credit improves to a satisfactory level, your team will receive an alert to reach out and restart the conversation around helping them find a home.
Alerts powered by all major credit bureaus
We’ll help link your database to the Equifax, Experian, or TransUnion networks, so you’ll know when a contact's credit has improved and they qualify for a loan.
Firm Offer of Credit (FOC) compliance
We deliver dynamic FOCs on your behalf to ensure compliance with industry regulations for consumer credit reports and activity.
Pre-built Journeys
Once a contact's credit improves, we'll notify the originator so they can reach out with the good news and restart the application process.
MLS alerts
When someone lists their property for sale, there’s a good chance they’re in the market for a new one. Total Expert Customer IQ monitors the MLS and your customer database to identify opportunities for your team to help them finance their next home.
Automated Journeys
Move contacts into a customized Journey to engage them at this critical moment and present them with options for their next mortgage.
Find new referral sources
Use MLS listing alerts to quickly identify potential new referral sources and co-marketing partners who can expand your reach.
LIFE EVENTS
Life happens. Help your customers plan for it.
Be ready to act the moment your customers signal intent to make their next financial decision by monitoring your database for key behaviors and leveraging activity alerts that automatically surface opportunities to your customer-facing teams. Combined with our profile enrichment capabilities, you can deliver truly personalized communications to every customer that guide them through every milestone on their financial journey.
WHY TOTAL EXPERT
We're more than a platform. We're a partner.
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Enterprise-grade tools
Unite teams across your organization on a single, seamless platform that allows them to stay organized, move faster, and collaborate efficiently.
Built for financial services
Legacy CRMs and horizontal solutions lack the depth and focus of Total Expert's purpose-built intelligence and engagement tools.
Drive growth in any market
Surface high-quality opportunities to engage customers the moment they signal a financial need—even in unpredictable markets.
Win customers for life
Leverage the data insights and marketing automation tools you need to build and nurture long-term relationships.
See Total Expert
in action
Create sustainable growth and increase loyalty with a Customer Operating System that’s purpose-built for financial institutions.
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