Capital Origin scans your past client files, prices them against live market rates, cross-references LLPAs, and surfaces every refinance opportunity worth a conversation. Drafted and ready to send. Your data stays sovereign. Always.
Capital Origin runs on private AI inference. Your client data never touches a public model, a third-party training pipeline, or an enterprise data warehouse. We built on sovereign agents specifically because an MLO's closed loan book is irreplaceable competitive intelligence. No big-tech model is learning from your clients. No platform is watching who you might call next.
No spreadsheets. No guessing. Upload your closed files once and let Capital Origin do the work of a rate-watch analyst, automatically, privately, every day.
Upload past loan files or connect your LOS. Capital Origin reads the key fields including rate, term, LTV, FICO, loan amount, and purpose. Everything stays in your private environment.
We pull current rate data via live API and run each file against today's best execution, factoring in all applicable LLPAs for that borrower's specific profile.
Capital Origin scores each client on net benefit including rate improvement, breakeven timeline, and cost-adjusted savings after LLPAs. The strongest candidates surface first.
Review an AI-drafted refinance proposal for each flagged client, built from their actual file. Edit, approve, and send. Your private agent. Your clients. Your relationship.
Rate improvement alone does not tell the full story. Every opportunity is priced net of loan-level price adjustments including FICO, LTV, property type, and occupancy. You only see clients where the deal actually makes sense for them.
Core differentiatorYour Capital Origin agent runs on private inference infrastructure. No OpenAI. No Google. No public model reading your client files. Your closed loan book is the most sensitive competitive asset you own. We keep it that way.
Security differentiatorMarket data refreshed daily against your client files. No manual pricing. No stale numbers. Current best execution, not last week's rate sheet.
Chat directly with your Capital Origin agent. Pull up a client, run scenarios, ask what-ifs. It knows every file in your book and runs entirely in your private environment.
Personalized refi proposals built from the client's actual file data. Not a template. A real cost-benefit analysis your client can read, with your name on it.
A 0.50% rate improvement looks great until you factor in a 1.50% LLPA hit on a 680 FICO conventional loan at 80% LTV. Capital Origin is the only refi alert tool that bakes loan-level price adjustments into every recommendation. Your calls are backed by real cost-adjusted numbers, not surface-level rate comparisons that fall apart at the pricing desk.
For the independent MLO managing their own book of business.
For high-volume originators with a larger closed book and active pipeline.
For brokerages and teams managing a shared pipeline across multiple originators. Get in touch for custom team pricing.
Capital Origin is in early access. Join the waitlist and get 60 days free when we launch.