Sadly most mortgage lenders rely on a reactive approach to pricing, unintentionally encouraging credit-worthy borrowers to pre-pay, while disproportionately retaining high credit-risk customers. Nomis Solutions’ pricing tools allow Lenders to better tailor products and the timing of offers.

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Top Tier Financial Institution

Challenge: Improve strategy regarding who to target, when to target, and what to offer in order to optimize profitability.

Prior to the pilot, Nomis Solutions predicted a yield of an estimated 1.3% uplift in assets retained (with no cost to margin) and $0.35MM Net Interest Revenue in year one (per $BN at risk). The actual benefit of integrating Customer Portfolio Optimizer, exceeded expectations: the retention rate increased by 1.9%, the average yield steady at less than 1 basis point below BAU, and the average income increased by $0.51MM per $BN at risk.

Top Ten UK Mortgage Lender

Challenge: To more profitably and efficiently manage prepayment and impairment risk in existing mortgage portfolio.

By using Nomis Solutions' Customer Portfolio Optimizer, the Lender gained better understanding of their customers, tailored optimal offers and contact strategies that better met their needs. The solution helped the Lender meet their business objectives and profit goals while staying within risk thresholds.