Getting Started with Borrower Insights [Early Release]

 

What's in this article? 

1. Logging into Borrower Insights

2. How do credits work?

3. What fields are included?

4. Purchasing credits

5. Searching in Borrower Insights

6. Revealing loan details

7. Exporting loans

8. Viewing previously enriched loans

9. Using 'Smart Borrower Search'

 

Accessing Borrower Insights

1. Navigate to the  Borrower Insights login page here
or by entering https://insights.modelmatch.com
into your browser

 

2. Enter your email address (used as your username) into the email address field and click 'Send login link'

 

 

4. Head over to your inbox and copy the code shown in the email. You will enter the code into the code field back on the Borrower Insights login page.

You're in! Now, let's take a look at how we can start finding borrowers.

What are credits and how do they work?

Credits are your way to reveal loan details like interest rate, equity balance & percentage, home value, and borrower information.

You can obtain credits in bundles ranging from 60 to 10,000. Bonus credits are added to each bundle of 100 or more.

Credits	Bonus Credits	Total Credits	Cost Per Credit	Total Cost
60	0	60	$0.33	$19.80
100	5	105	$0.32	$32.00
200	20	220	$0.31	$62.00
500	75	575	$0.29	$145.00
1000	200	1200	$0.27	$270.00
2500	625	3125	$0.24	$600.00
5000	1500	6500	$0.22	$1,100.00
10,000	3500	13,500	$0.20	$2,000.00

 

There is only one type of credit. The amount of credits used per loan depends on the amount of details you're revealing. The maximum amount of credits that can be used per loan is 3. Here are the most common scenarios, and the amount of credits that would be used:

• Reveal all loan details (Equity Balance, Equity Percentage, Home Value, Interest Rate, Borrower details) = 3 credits

• Reveal just the interest rate = 1 credit

• Reveal only the Equity Balance, Equity Percentage, Home Value = 1 credit

• Reveal only the borrower details = 1 credit

Are there any fields that DO NOT require a credit to be used?

Yes! The following fields are included, and do not require you to use a credit to view them

• Property address (street, city, zip code, state, county)

• Borrower Status

• Mortgage amount

• Loan type

• Transaction type

• Loan to Value (at the time of the loan)

• Current Loan to Value

• Loan originator

• Loan originator employer (at the time of the loan)

• Loan company

• Broker name

• Lender name

• Transaction date (of mortgage)

• Sale date (of property)

• Sale price (of property)

• Real Estate Agent of Buyer

• Real Estate Agent of Seller

• Title Company

 

Purchasing credits

1. Click on your credit wallet located on the navigation menu.

2. Click 'Purchase Credits' in the upper right corner of your Credit ledger and select the amount of credits you want to add to your account.

3. Select the payment method that you would like to use and click 'Purchase Credits'

Finding Loans

1. Click "Add Filters" to view a list of all available filters. You will click on a Filter to view options for that specific filter, set your options, and apply it. 

In this example, we will click "Equity percent". Once applied, we will see all loans that fall within the range we selected.

 

 

2. Now that you have results showing, let's add another filter. Click "Add filters" again, and select another filter. In this example we will select "Transaction Date"

 

Making changes to applied filters

1. You can make changes to any of your applied filters.  To make changes, simply click on the filter to make a new selection.

 

Include or Exclude Options

Some filters also have additional options like the ability to Include or Exclude results. For instance, we may want to exclude certain loans by Loan Type. 

Let's run a scenario where we are okay seeing every Loan except HELOC's.

Instead of clicking all of the available Loan Types except HELOC, we can select HELOC and then set the filter to IS NOT.

1. Let's select the filter from the "Add Filters" menu, make our selection and apply it to our search. Once applied, we will click the filter to toggle it to "IS NOT". 

Revealing Loan Details (one-by-one)

1. With results showing, click on the detail that you want to reveal for the specific loan. In the example shown below we are clicking on the icon in the Interest Rate column to reveal the interest rate for each of the loans.

 

Reveal All Loan Details

You can reveal all loan details for a single loan vs selecting individual details.

1. Click the checkbox next to the Loan you wish to reveal and select the "Enrich Loans" on the action bar that appears at the bottom of the page

 

Revealing Loan Details (in bulk)

1. Click the checkbox located at the top of the page and select the number of loans that you want to enrich.

2. Once you have made your selection, click "Enrich Loans" at the bottom of the page.

Exporting Loan Details

You can export single loans, or many loans at once. Once you have your loans selected, click the "Export Loans" button that is made available at the bottom of the page.

Downloading your exports

You can view all recent, and past export files on the "My Exports" page.

1. Click "My Exports" on the navigation menu. To download the export file simply click "Download File"

 

Viewing your previously exported loans

You can view all of your previously exported loans using the "Export" filter.

1. Click "Add Filter" and select "Export" from the list of available filters.

Using 'Smart Borrower Search'

Leverage the AI-powered Smart Borrower Search feature in Borrower Insights to quickly find and identify potential borrowers using natural language prompts.

1. Enter your prompt into the text field in the 'Smart-Borrower Search' section, and click "Find Borrowers"

 

Looking for inspiration?

Property Status & Loan Information

• "All of my loans where the borrower is still in the property"
• "Borrowers who have moved out of their financed property"
• "Homeowners with loans originated in the last 2 years"

Location-Based Refinancing Opportunities

• "Homeowners in Phoenix, AZ that are in the best possible position to refinance their loan"
• "Borrowers in California with interest rates above 6%"
• "Property owners in Dallas metro area with significant equity gains"

Mortgage Insurance & Equity Scenarios

• "First-time homebuyers who are in the position to remove PMI"
• "Borrowers with 20% or more equity who still have mortgage insurance"
• "Homeowners approaching the 2-year mark for PMI removal eligibility"