Mortgage Customer Retention and Recapture Better Identify Borrowers That Are Likely to Prepay With Household Total Income Measure case study Challenge: Better Identify Borrowers That Are Likely to Prepay Mortgage originators, servicers, and investors can gain a significant advantage if they can better understand borrowers’ current financial capacity and identify loans that are likely to prepay. Given that interest rates are at an all-time low, many borrowers are seeking to refinance, opening a short window of opportunity for mortgage originators and servicers to retain their customer relationship with borrowers and keep mortgages in-house. By better identifying borrowers who are likely to prepay or refinance, mortgage originators and servicers can take steps to enhance their cu

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