Mortgage365

Transcription:

Joey Revier (00:19):
Every lender in this room knows the story. Borrowers slip through the cracks; one day they're not quite ready, and then before you know it, they're closing with someone else. Across our industry, we know lenders only retain 20% of their borrowers. That means eight out of every 10 of your borrowers are getting their next loan from a competitor.

Chance Jacob (00:39):
And that happens because most lead technology waits on a trigger: an application, a credit pull, a rate alert. By then, it's too late. And this isn't just a retention problem. Studies show that 30 to 50% of all mortgage leads never receive a proper follow-up. They just vanish, costing lenders millions in lost revenue every single year.

Joey Revier (00:57):
So we asked ourselves, what if lenders never missed an opportunity? What if every possible loan scenario for every borrower were being evaluated in real time? That's the vision behind Atlantis. Atlantis is the first mortgage opportunity engine—always on, always running against every borrower and every goal, 24/7. So instead of chasing cold or trigger leads, you know exactly who's ready,

Chance Jacob (01:26):
When, and why. For lenders, we're delivering real-time, readiness-driven opportunities that surface borrowers exactly when they are prepared to move, fueling higher pull-through, faster cycles, stronger retention, and lower costs per funded loan.

Joey Revier (01:40):
And for borrowers, we're enabling them to take the next step on their mortgage goals, often before they even realize they're ready. This builds trust, loyalty, and progress. We know that your database holds countless hidden opportunities—purchases, cash-outs, refis, HELOCs—Atlantis finds them all. Every borrower and every goal is continuously monitored so nothing slips through the cracks. Today, we will show you how this breakthrough technology enables you to be the hero for your borrowers, ready with the right solution

Chance Jacob (02:12):
Before they even ask. And this is where you start your day: the Atlantis dashboard. At the top, Atlantis provides a set of data visualizations that are fully customizable, providing insights into the current state and trends of your pipeline. Get a quick understanding of the conversion rates, lead flow into the system, or borrowers becoming actionable. Here, borrowers are prioritized by the best Atlantis opportunities. At a glance, you see the three most important things: Readiness (are they eligible right now?), Confidence (how accurate and current is that data?), and Engagement (the heartbeat of borrower intent, showing who's ready to have a conversation and how they prefer to interact).

Joey Revier (02:50):
Think about this: instead of sifting through multiple different opportunities or hunting for your next lead, Atlantis surfaces the most ready borrowers without you lifting a finger.

Chance Jacob (03:00):
And it's a ranked and ready pipeline. Here's the best part: your LOs will want to live here. We're not asking them to adopt another clunky tool that doesn't help them do their job. We're dropping an incredible list of prioritized opportunities directly in their lap so that they can do what they do best: sell and originate loans.

Joey Revier (03:20):
Now Chance is going to open up the Atlantis profile. This is a holistic record built from CRM, LOS, servicing, and even abandoned applications, all merged and deduped into one clean

Chance Jacob (03:31):
Profile. Here you see the sonar score: blue for readiness, orange for confidence, and red for engagement. Just one glance tells you if this borrower is truly actionable.

Joey Revier (03:41):
Now let's talk speed. We've created Atlantis Intelligence, which uses agentic AI to provide plain English summaries of a borrower's readiness, confidence, and engagement.

Chance Jacob (03:52):
And here's what the AI is telling us: this borrower qualifies for three different opportunities: a max cash-out and debt consolidation, a cash-out to pay off all debts, and a rate-and-term refinance. It's been trained to surface all of the savings, the blockers, and what data we need more of. But here's the critical point: AI is never used to make credit decisions. Atlantis uses AI for speed and understanding, but never for eligibility.

Joey Revier (04:19):
Now let's break down the three pillars of Atlantis. First: readiness. Atlantis monitors this borrower against every available goal—purchase, cash-out, refi, HELOC, you name it. To do this, we've built a deterministic rules model of over 5,000 atomic rules, encoding Fannie, Freddie, and Ginnie guidelines, plus your product and pricing constraints. The same data will get the same result every time. If a borrower's data changes, like new credit, improved income, or equity movement, Atlantis will update their readiness

Chance Jacob (04:50):
Automatically. Next is confidence. This tells you how reliable your data is based off its source and its age. If you need to have a better understanding of what data we can enrich, we are going a step further with our enrichment engine that will pull in live credit, equity, income, and pricing trends as you can see down here.

Joey Revier (05:11):
And finally: engagement. This measures a borrower's actual desire to act. This is pulled from time-to-reply, response rates, and other insights from Atlantis Intelligence. Here you can see it's saying "send the borrower a text, not an email." That's not just fluff; that's actual guidance that your loan officers can use. Now, Chance is going to open up the max cash-out and debt consolidation goal. Here you can see clearly the myriad of different rules that Atlantis has checked: property type, LTV, credit score, ownership, reserve seasoning, even net tangible benefit. Each rule is clearly marked as passed or not. This is worth repeating: this is not AI guesswork. The readiness engine is deterministic and repeatable. The same data will get the same result every time.

Chance Jacob (05:57):
And remember, it's not just this goal. Atlantis is running all possible goals in the background 24/7. The moment something changes, like income or equity, Atlantis will update all of the readiness statuses automatically.

Joey Revier (06:09):
Now we know this borrower is ready. The next step is to act on it. As you can see, Atlantis has texting built right in. We have AI-generated messages that are ready to send out, but will not send without explicit LO action. But we're going to go one step further. With a single click, Chance is going to open up this opportunity in our industry-leading mortgage CRM, Horizon.

Chance Jacob (06:30):
Check this out. Everything that we had about the borrower—their details, property information—flows seamlessly from Atlantis. No duplicate entry, no re-keying.

Joey Revier (06:40):
Better yet, Atlantis has created loan scenarios for every qualified goal. As a loan officer, I can quickly generate a side-by-side presentation using our proven white-label presentation engine. Here it is. It looks great on mobile, and you can send it with a single click via text or email. There it goes. Julian, check your texts.

Chance Jacob (07:02):
And with the full CRM capabilities of Horizon, that conversation and all other texts, emails, tasks, marketing campaigns, and even pre-approvals can be managed within one system.

Joey Revier (07:13):
Let's take a step back. Atlantis ingests your entire book of borrowers, then, without you lifting a finger, analyzes it against every available goal. When it finds hits, it prioritizes them so that your loan officers can use Horizon, or whatever tool they use to originate a loan, to send personalized, pre-AUS qualified scenarios.

Chance Jacob (07:34):
This technology is impossible to replicate without Atlantis. We're evaluating every possible opportunity for every borrower in real time.

Joey Revier (07:41):
The results are undeniable: improved pull-through, stronger retention, and real revenue impact.

Chance Jacob (07:47):
And this is the platform your loan officers are going to want to live in. This is the tool that ensures that you never miss another opportunity.

Joey Revier (07:54):
This is the future of borrower engagement. This is Atlantis. Thank you.