Right Sizing Customer with Value Added Services

Client Need:

A prominent international bank identified a portfolio segment with higher-than market interest rate loans. They determined a retention program was needed to minimize run-off risk and designed a campaign that offered a lower-rate refinance with the added hook of PMI elimination.


Client files were appended with recording information for a more comprehensive view of the targeted segment. With the data list fully populated, the bank employed ValuePoint®4 to estimate the current market value.


The bank achieved a 35% response rate and a $5,000 loan officer commission savings by offering loans directly to the borrower. With this solution, the client generated $200,000 in revenue and this test campaign is far exceeding expectations.

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