FAQ
Questions, answered plainly.
Everything in one place — pricing, how the products work, what we do with data, and what we deliberately don’t do. If something isn’t here, ask us
The Basics
Uplist is a mortgage intelligence platform for lenders and loan officers. It continuously reviews a lender’s closed loan portfolio and returns a decision on each loan with the analysis already completed, delivers live payment answers on the listings its customers support, and surfaces reverse-eligible households from within a lender’s own book. Uplist is a technology provider, not a lender.
Mortgage recapture software monitors a lender’s closed loan portfolio for opportunities to serve the same borrower again, most often a refinance. Uplist Recapture reviews every loan continuously and returns one of three decisions: an opportunity worth a conversation, a loan approaching a threshold, or no action needed.
Mortgage lenders and loan officers buy it. Real estate agents and home builders benefit from it, at no cost to them, when the originator they work with provides it.
Pricing is based on the products you choose and your team size. Talk to our team for a quote tailored to your organization.
No. Uplist does not pull credit, does not make credit decisions, and does not originate loans. It is a technology provider to licensed lenders, and all lending decisions and disclosures remain with the institution.
From each customer’s own pricing engine. Uplist connects to Optimal Blue, Polly, and LoanSifter, so payment scenarios reflect what that lender would actually offer, with loan-level price adjustments applied.
Uplist was designed and built by top-producing loan originators — people who worked a pipeline, managed agent relationships, and dealt with the tools it replaces.
No. Uplist holds no NMLS, does not originate loans, does not pull credit, and does not make credit decisions. Any licence number shown through an Uplist product belongs to the originating lender.
Pricing
The per-user price depends on how many users you have. A small team sits at the higher end and a large one at the lower end. We publish the full range rather than a “starting at” figure, because anchoring you on a number you won’t pay is a poor way to begin a relationship.
Pricing is based on the products you choose and your team size. Talk to our team for a quote tailored to your organization.
Yes, at no additional cost. Recapture customers get the full listing and payment toolset — flyers, live scenarios, Find Your Desired Payment, quick quote, and QR access — without a separate subscription.
Both are priced per user, so an individual originator or a small team can buy directly. Larger organizations usually bring it in at the branch or enterprise level, where the per-user price is lower and coverage extends across the whole portfolio.
Homebuyer Intelligence is billed annually per user. Recapture is billed monthly per user, with enterprise agreements available for larger portfolios. Talk to us about terms for a specific team size.
Yes. Recapture’s per-user price decreases as the number of users grows, and enterprise portfolios are priced individually. Reverse is sold as an enterprise add-on.
There is no per-loan fee, no charge for borrower notices, and no separate cost for the listing tools when you have Recapture. Connections to Optimal Blue, Polly, and LoanSifter are included.
No. There is no per-loan fee, no charge for borrower notices, and no separate cost for the listing tools when you have Recapture. Pricing engine connections are included.
Recapture and Portfolio Monitoring
Mortgage recapture software monitors a lender’s closed loan portfolio for opportunities to serve the same borrower again, most often a refinance. Uplist Recapture reviews every loan continuously and returns one of three decisions: an opportunity worth a conversation, a loan approaching a threshold, or no action needed.
A propensity score ranks borrowers by likelihood and leaves the loan officer to work out which rankings were worth acting on. Recapture returns a decision instead of a probability, with the payment change and break-even already calculated, and two of the three possible decisions are that no contact is warranted.
Opportunities are priced against your own rates through your existing pricing engine, with loan-level price adjustments applied — credit, LTV, occupancy, and property type. That is the difference between a figure an originator can open a call with and one that falls apart when they re-run it. Uplist connects to Optimal Blue, Polly, and LoanSifter.
No. Opportunities are surfaced and routed to the originator directly. If an originator never opens the platform, the portfolio is still monitored and they are still notified.
Monitoring continues. Loans stay covered and can be reassigned by team, branch, or rule, so retention becomes an institutional function rather than something that lapses with a departure.
Monitoring continues. Loans stay covered and can be reassigned by team, branch, or rule. Portfolio retention becomes an institutional function rather than something that lapses with a departure.
After ninety days with nothing worth acting on, the borrower receives a short note in the originator’s name confirming that their loan was reviewed and that keeping their current loan remains the right call. The cadence is configurable.
Not for lenders using Uplist. Federal restrictions effective March 2026 limited third-party access to mortgage trigger leads, largely reserving them for institutions that already hold the borrower relationship. Uplist operates on your own originated or serviced portfolio.
No. Uplist does not pull credit, does not make credit decisions, and does not originate loans. Uplist is a technology provider to licensed lenders. All lending decisions and disclosures remain with your institution.
Recapture is priced per user based on team size, with lower per-user pricing for larger teams. Homebuyer Intelligence is included at no extra cost. Request pricing for a quote.
Listing Flyers and Payment Tools
A mortgage listing flyer is financing collateral tied to a specific property, showing what a buyer’s monthly payment would be. Uplist flyers price from the originator’s own live pricing rather than a printed rate, so the payment is current whenever the buyer reads it.
No. Buyers see live payment options with no credit pull, no Social Security number, and no contact form. They explore anonymously and reach out when they choose to.
Pricing is based on the products you choose and your team size. Talk to our team for a quote tailored to your organization.
No. Uplist flyers carry financing information only. They do not promote the property and they carry no agent branding, which is the distinction that separates a financing tool from co-marketing. The structure has been reviewed by counsel.
No. The originator shares a financing flyer with the agent, or provides a code the agent can add to marketing they already produce. There is nothing for the agent to build, buy, or learn, and nothing about it changes their own obligations.
Yes, and most prefer it. The loan officer provides a code the agent places on marketing they already produce. The code carries no rate and no payment, so the agent’s flyer stays a plain real-estate flyer.
From each customer’s own pricing engine. Uplist connects to Optimal Blue, Polly, and LoanSifter, so payment scenarios reflect what that lender would actually offer, with loan-level price adjustments applied.
Reverse
It is the practice of reviewing a lender’s own closed or serviced portfolio to identify households that may be eligible for a reverse mortgage, rather than purchasing third-party lead lists. Uplist Reverse runs this review inside the portfolio a lender already monitors.
No. Uplist surfaces households that may be eligible for a program and routes them to a licensed originator. It does not make recommendations, evaluate creditworthiness, assess suitability, contact borrowers, or originate loans.
No. Eligibility is reviewed and the numbers are run before anything reaches an originator, and a single action refers the opportunity to your reverse-licensed team. An originator who has never quoted a reverse loan does not need to learn one.
No. Any outreach comes from your originator, under your brand, with their NMLS. Uplist does not communicate with borrowers on a lender’s behalf for Reverse and does not appear in those communications.
Reverse is an enterprise add-on to Recapture and runs inside the same continuous portfolio review. There is no separate data pipeline, no second integration, and reporting rolls into the same institution-level view.
Only originators your institution designates, and routing can be restricted by team, branch, licence status, or rule. Nothing is broadcast to a general call list.
Reverse is an enterprise add-on and is priced individually, based on portfolio size and structure. Contact sales for a quote.
Implementation and Security
Connect your pricing engine, provide the portfolio you want monitored, and set routing rules. Originators install nothing and nothing changes about how loans are originated.
No. Uplist does not replace, sit inside, or write to your loan origination system. It is a monitoring and presentation layer on a book you already hold.
Borrower emails go out under your brand, in your originator’s name, with their NMLS. Uplist is credited on buyer-facing payment pages and nowhere else.
Uplist is a technology provider. Uplist is not a lender or mortgage broker, does not originate loans, and does not make credit decisions. Any payment or rate figures shown through Uplist products are estimates provided by the originating lender, are subject to change, and are not a commitment to lend or a guarantee of approval or of rate availability. Pricing shown on this page is subject to change. Equal Housing Opportunity.
