By: Kelly O’Bannon | EVP, Business Development
Date: January 8th, 2025

Midwest Loan Services, a leading mortgage servicer, is pleased to announce a strategic partnership with Ardley Technologies to advance our mortgage servicing and loan recapture capabilities. This collaboration solidifies our position as a leading mortgage servicer, giving us and our clients the tools needed to address the growing challenges of borrower retention in today’s competitive lending market.

1. What is Loan Recapture?

In the mortgage industry, loan recapture is the practice of retaining existing borrowers who might otherwise refinance with another lender. As more refinancing options become available, it’s essential for lenders to actively engage these borrowers, providing retention offers to keep them within their portfolio. For credit unions, community banks, and other lending institutions, loan recapture is critical for maintaining market share, fostering borrower loyalty, and ensuring long-term stability.

2. Why Loan Recapture is Critical in Today’s Mortgage Landscape

In a highly competitive mortgage market, borrowers are often tempted by attractive refinancing offers. Losing borrowers not only impacts portfolio stability but also weakens customer relationships. Loan recapture helps lenders counteract this trend by creating meaningful, value-driven engagement. For Midwest Loan Services, enhancing our role as a trusted mortgage servicer means providing clients with innovative tools to remain competitive and retain borrower trust.

3. How Ardley Technologies Enhances Loan Recapture Efforts

Through this partnership,  Midwest Loan Services expands its capabilities as a cutting-edge mortgage servicing provider, delivering enhanced borrower retention solutions:

  • Advanced Data Analytics – Our enhanced tools enable precise segmentation of borrower portfolios, identifying those at the highest risk of refinancing. This targeted approach allows mortgage servicers to focus retention efforts strategically, increasing effectiveness.
  • AI-Powered Predictive Modeling – Our integrated predictive models help anticipate refinancing risks, enabling clients to engage borrowers early with personalized, timely outreach. By addressing borrower needs proactively, we help clients foster loyalty and reduce churn.
  • Streamlined Integration – Our updated platform seamlessly integrates with existing client systems, ensuring that enhanced recapture tools are easy to adopt and implement without major operational disruptions.

4. Benefits for Midwest Loan Services’ Clients

As a trusted mortgage servicer, Midwest Loan Services is committed to equipping credit unions, community banks, and lenders with the tools they need to succeed. By enhancing our services with these advanced capabilities, we’re helping clients strengthen borrower relationships, protect market share, and improve profitability. This proactive approach positions our clients to stay ahead in a rapidly evolving market.

5. Looking Ahead: A Future of Stronger Loan Retention

At Midwest Loan Services, we understand the critical role of innovation in addressing today’s challenges. By leveraging these advanced tools, we’re helping our clients build stronger borrower connections and resilient portfolios. Together, we’re setting a new standard for loan retention, empowering clients to thrive in the competitive mortgage landscape.

Ready to learn more? Reach out to our team today to discover how Midwest’s enhanced capabilities can elevate your loan recapture strategies and improve borrower retention!