Built for US mortgage brokers

The intelligence layer for your past client book.

Stop guessing who to call. 2nded scans your CRM daily to surface high-intent refinance, HELOC, and ARM reset candidates — with the exact dollar opportunity, ready to dial.

Analyze your bookBook a demo

Trusted by 1,200+ independent US loan officers.

Featured Opportunity

Priority: High · Conventional 30-yr

$4,820 Est. Commission

Client

Marcus Thayer

Rate Delta

7.125% → 5.875%

Available Equity

34% ($212K)

Monthly Savings

$412.80

Loan Balance

$386,400

Last Touch

14 months ago

Average broker: $284K in hidden pipeline.

Calculated across 4.2M US loans scanned in the last 12 months.

8.2%

Avg. Refi Capture

$14k

Daily Opp Found

11 min

Setup Time

A precise methodology

Three steps from a stale CRM to a full call sheet.

01

Secure CSV upload

Export from Encompass, Arive, BNTouch, or any LOS/CRM. Drop the CSV in our SOC2-grade portal — we normalize every field automatically.

02

Engine scans your book

We cross-reference your database against live US market pricing, regional appreciation, and ARM reset schedules to flag every actionable client.

03

Prioritized call list

Get a daily list of high-probability calls — each with estimated savings, equity, and a ready-to-send outreach script.

Opportunity Ledger

Sample output · updated daily

3 of 47 shown

Marcus Thayer

TX · Conventional 30-yr

7.125% → 5.875%
34% ($212K)
$412.80/mo
$4,820
High

Priya Raman

FL · FHA Streamline

6.875% → 5.99%
22% ($98K)
$295.40/mo
$2,140
Med

The Hendersons

CA · 7/1 ARM (resets Mar 2027)

4.25% → 7.10% (est.)
48% ($410K)
Lock now
$6,180
High
What it finds

Four engines, one prioritized call sheet.

Refinance Detection

Daily alerts when market rates drop 0.5%+ below a client's locked rate. We watch MBS pricing so you don't have to.

HELOC & Cash-Out

Surface clients with 30%+ equity who could benefit from a HELOC, debt consolidation, or home improvement cash-out.

ARM Reset Alerts

6-month lead time on every upcoming adjustment. Call them before the rate shock — and before the competition does.

Outreach Sequences

Pre-written email and SMS templates tailored to each opportunity, plus a generated call script with the exact numbers.

Frequently asked

What brokers ask before their first scan.

Is my client data safe?
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Yes. The free scan parses your CSV entirely in your browser — the raw file never leaves your device. Paid plans store only the derived opportunity records (no SSNs, DOBs, or account numbers) in an encrypted US-based database with row-level access controls.
Which CRMs and LOSs do you support?
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Any system that exports CSV: Encompass, Arive, BNTouch, LendingPad, Calyx, Surefire, HubSpot, Salesforce, Google Sheets. We auto-detect common header variations — you don't need to remap fields.
How do you decide who's a refi candidate?
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We compare each client's locked note rate against current US par pricing for their loan type (conventional / FHA / VA / jumbo / ARM). Anyone 0.5%+ above market with sufficient remaining term surfaces as a refi opportunity, ranked by estimated monthly savings.
What's the estimated commission based on?
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Industry-standard assumptions: 1.0% of UPB for refinances, 0.75% for ARM rescues, and a flat $1,800 for HELOCs. You can override the formula in Team plans to match your actual comp structure.
Do I need to give you my MLS or credit pull access?
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No. 2nded only reads what's already in your CRM export. We do not pull credit, hit the MLS, or contact your clients — every outreach decision stays with you.
Can I cancel anytime?
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Yes. Monthly plans cancel at the end of the current billing period with one click in your account. Your scan history exports as CSV before deletion.

Your next ten deals are already in your database.

Upload a CSV. Get a free, no-obligation report on what your book is worth — typically in under 10 minutes.

Run a free scanBook a 20-min demo

No credit card · SOC2-ready handling · Cancel anytime