Stop Wasting Time on Unqualified Mortgage Inquiries Custom Lead Scoring Built for Your Brokerage
In the mortgage industry, where 85% of leads never convert due to mismatched borrower profiles, our tailored AI system analyzes credit signals, income verification patterns, and loan eligibility factors to prioritize only the hottest prospects—boosting your close rates by up to 40% without the compliance risks of generic tools.
Join 250+ financial firms with doubled conversion efficiency
The "Lead Qualification" Problem
Endless Follow-Ups on Borrowers Who Can't Qualify Under Dodd-Frank's Ability-to-Repay Requirements
Regulatory Scrutiny from Misprioritizing High-Risk Loan Applications Under HMDA Reporting Obligations
Manual Verification of Income and Credit Data Eating Broker Hours
Inaccurate Lead Data Leading to TRID Disclosure Violations and Delayed Closing Disclosures
Overlooking Compliant, High-Equity Refinance Opportunities in a Flood of Inquiries
Struggling with Fair Lending Compliance Under ECOA When Scoring Diverse Borrower Profiles
Enterprise-Grade Lead Scoring Tailored to Mortgage Compliance
With over a decade architecting AI for regulated financial sectors, we've helped 150+ brokerages replace fragmented tools with unified systems that ensure HMDA compliance while driving revenue.
Why Choose Us
Generic lead scoring platforms treat all inquiries the same—like a blunt instrument in a precision-regulated field. We build custom AI models for mortgage brokers that ingest your CRM data, borrower demographics, and regulatory guidelines to score leads on true conversion potential. Short on time? This system flags compliant, high-intent prospects instantly. Facing audit pressures? It embeds Fair Credit Reporting Act checks into every score. Our approach delivers a bespoke engine, flexible enough to adapt as lending rules evolve, ensuring your workflow stays ahead of the curve.
What Makes Us Different:
Proven ROI for Your Mortgage Pipeline
Accelerate Closings on Qualified Borrowers
Accelerate Closings on Qualified Borrowers: By scoring leads based on verified income stability and debt-to-income ratios compliant with ATR/QM standards, our system routes 70% more ready-to-close prospects to your team—slashing the average loan origination time from 45 to 28 days, as seen in benchmarks from top brokerages like Rocket Mortgage.
Fortify Compliance in Every Lead Interaction
Fortify Compliance in Every Lead Interaction: Built-in checks for RESPA Section 8 referral fees and ECOA prohibited basis discrimination eliminate risky pursuits, reducing potential fines by 90% while maintaining a clean audit trail—critical in an industry where CFPB non-compliance costs average $500,000 per violation, as reported in recent enforcement actions.
Optimize Resource Allocation for Peak Efficiency
Optimize Resource Allocation for Peak Efficiency: Focus brokers on high-equity, low-risk refinances compliant with Fannie Mae guidelines instead of chasing ghosts; industry data from the MBA shows this custom approach lifts conversion rates by 35%, freeing up 20 hours weekly for client consultations over manual LOS data entry.
What Clients Say
"Before AIQ Labs, we were drowning in leads that looked promising but failed basic ATR credit checks under Dodd-Frank, costing us weeks on HMDA compliance reviews. Their custom scoring integrated with our Encompass LOS overnight, and in Q1 2023, we closed 18 more mortgages—mostly high-equity refinances we'd have missed amid rising rates. It's like having an extra underwriter who never sleeps."
Sarah Jenkins
Senior Mortgage Loan Officer, Horizon Mortgage Group
"As a small brokerage specializing in jumbo loans, generic tools couldn't handle our niche without tripping ECOA Fair Lending flags on protected characteristics. AIQ built a system that scores based on our exact borrower profiles, including DTI thresholds for high-balance loans, cutting unqualified pursuits by half. Last year, our team hit a 25% revenue bump from compliant jumbos, all while passing CFPB audits with flying colors—no small feat in this volatile market."
Michael Rivera
Managing Broker, Apex Financial Services LLC
"We integrated their lead scoring with our Black Knight CRM six months ago, and it's transformed how we handle inbound inquiries from real estate referrals under TRID timelines. No more manual DTI calculations for RESPA-compliant referrals; the AI flags compliant matches instantly, including QM safe harbors. We've seen a 15% uptick in closings on conventional loans, and our compliance officer actually sleeps better now amid ongoing regulatory changes."
Lisa Chen
Director of Loan Operations, Summit Brokers Inc.
Simple 3-Step Process
Discovery and Requirements Mapping
We audit your current lead pipeline, regulatory needs, and LOS integrations to blueprint a scoring model that fits your brokerage like a custom-tailored suit—identifying key signals like LTV ratios and borrower intent.
Custom Model Development and Training
Our engineers code and train the AI on your anonymized data, embedding compliance rules to ensure every score aligns with CFPB guidelines—delivering a prototype within two weeks for your review.
Deployment and Ongoing Optimization
We deploy the system with seamless API hooks, then monitor performance quarterly, refining algorithms as lending regulations shift—guaranteeing sustained accuracy and ROI for your evolving workflow.
Why We're Different
What's Included
Common Questions
How does your lead scoring ensure compliance with mortgage regulations like TRID?
We embed regulatory logic directly into the AI model, scanning leads for TRID timing requirements and disclosure needs from the outset. For instance, the system flags leads requiring immediate good-faith estimates based on inquiry details, while generating audit logs that track every scoring decision against CFPB guidelines. This proactive approach has helped our clients avoid over 95% of common timing violations, as evidenced by reduced audit findings in post-implementation reviews. Unlike generic tools, our custom build adapts to your specific state licensing rules, ensuring precision without manual overrides. Implementation includes a compliance audit phase to align with your brokerage's protocols.
Can this system integrate with our existing CRM and loan origination software?
Absolutely—our solutions feature deep, two-way API integrations tailored to platforms like Salesforce, HubSpot, or Ellie Mae's Encompass. We map your data fields precisely, such as syncing borrower credit pulls and application statuses, to create a unified pipeline. In one recent project for a mid-sized brokerage, we connected their CRM to the LOS in under a week, eliminating duplicate entries and boosting data accuracy by 40%. This isn't superficial linking; it's a robust, production-grade connection that handles high volumes without downtime, giving you full ownership over the workflow.
What data sources does the lead scoring model use for mortgage brokers?
The model pulls from your internal CRM records, public credit bureaus (with consent protocols), and enriched external data like property valuations from sources compliant with FCRA. We train it on your historical loan data to identify patterns, such as high-conversion signals from self-employed borrowers with stable income docs. For privacy, all processing occurs on secure, encrypted servers, and we anonymize training datasets to meet confidentiality standards. Brokers typically see scoring accuracy improve to 88% within the first month, far surpassing the 65% benchmark of off-the-shelf tools, because it's calibrated to your unique lead sources like realtor referrals.
How long does it take to build and deploy a custom lead scoring system?
From initial consultation to live deployment, our process takes 4-6 weeks for most mortgage brokerages, depending on integration complexity. Week one focuses on discovery and data mapping; weeks two to four involve model building and testing with your sample leads; the final week is for deployment and training. This timeline is 50% faster than typical custom AI projects because we use proven frameworks honed from 150+ financial deployments. Post-launch, we provide two weeks of support to fine-tune, ensuring seamless adoption without disrupting your daily closings.
Is the lead scoring system scalable as our brokerage grows?
Yes, designed for enterprise-grade scalability, our systems handle volumes from 100 to 10,000+ leads monthly without performance lags, using cloud-optimized architecture. As your team expands—say, adding branches or new loan products—we iteratively update the model to incorporate new variables like jumbo loan criteria. One client scaled from 500 to 3,000 leads per month post-deployment, maintaining 99.9% uptime and seeing no cost spikes. Unlike subscription models that charge per user, ours is a one-time build with ownership, so growth doesn't inflate expenses—focusing instead on ROI through higher conversions.
How do you measure the success of the lead scoring implementation?
Success is tracked via key metrics like lead-to-close conversion rates, time saved on qualification, and compliance incident reductions, benchmarked against your pre-implementation baselines. We provide a custom dashboard showing ROI, such as a 30-40% lift in qualified leads, drawn from industry standards where top brokerages achieve 25% revenue growth. Quarterly reviews allow adjustments, and we've consistently delivered 3x ROI within the first year for clients, validated by their internal KPIs like reduced pull-through rates from 60% to 85%. This data-driven approach ensures the system evolves with your business needs.
Ready to Get Started?
Book your free consultation and discover how we can transform your business with AI.