Next era, data-driven, Financial Solutions

EarnUp’s award-winning Enterprise Platform mitigates risk, uncovers opportunities to improve portfolio health, and offers opportunities to recapture business.

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99% of lenders agree that technological advancements have the potential to enhance the mortgage experience for borrowers and institutions alike

Max-AI-mize loan performance & borrower success

EarnUp provides unique borrower insights that support proactive risk mitigation, borrower performance, and improve portfolio performance.

For Lenders, EarnUp enables borrower-level data & analytics once limited to Servicers. 

Boost Your Bottom Line
& Skyrocket Success

Increase Retention & Revenue

Prioritize borrowers for proactive and targeted outreach to save on costly recapture churn and create a repeatable strategy for borrower retention.

Identify Opportunities

Detailed borrower dashboards reveal DTI ratios, performing vs. delinquent loans, asset-to-debt trends, & more, signaling when your borrower may be ready to refinance, purchase, or pay-off a loan.

Reduce Operating Expenses

Decrease the workload for your in-house customer support by reducing friction and improving accuracy in the post-close borrower payment process.

Help Your Borrowers Achieve
Their Financial Goals

unbeatable value add

Improve borrower loyalty by making personalized recommendations based on real-time updates about your borrowers financial health.

Avoid delinquency or default

Early intervention and custom alerts make it easy to spot the red flags in your borrower's financial picture.

Be the first to know

Whether you're servicing the loan or not, always know what happens with borrowers after the loan closes.

Schedule a 30 minute call

Reimagine the post-close borrower Xperience

EarnUp Xperience, a white-label platform, digitizes the payment process, and provides borrowers a consistent, seamless experience, particularly during servicing transfers.  

This has reduced missed payments by up to 20%.

Consistent Lender

Ensure a smooth and consistent experience and seamless transition throughout the life of the loan, even when the loan transfers to a new servicer.

Payment Success

Reduce the risk of missed or late payments by simplifying the loan repayment process. Xperience users see up to an average debit success rate of 99.6%!


Personalized communication reminder and informs borrower about upcoming payments, changes in loan status, and updates, keeping them engaged with you and their loans.​

Recapture Rates

Build loyalty and foster trust with the help of a branded user interface and customizable budgeting tool. Most lenders see up to a 200% borrower recapture rate improvement!

Easy Multi-Loan Management

Automate auto, personal, student, and mortgage loan debit payments all from one user-friendly platform, while allowing borrowers to leverage flexible payment schedules.

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*Borrower retention, cost savings, and other data are based on active anonymized customers, which is a small sample size, and representative of “Top 20 Originator.”

XLerate your ROI on Servicing

Lenders utilizing EarnUp XLerate can cut their interim servicing costs by up to 70 percent* by automating post-close borrower payments, streamlining loan transfers, and delivering seamless communication.

No Stress Payment Management

Collecting interim loan payments can cost over $120 per loan.* Say goodbye to checks and costly manual payment reconciliation.

Automate Loan

No matter where the loan goes, you’ll always get paid with payment routing from lender to servicer during the loan transfer process.

Simplify Reconciliation After MSR Transfer

Expedite payment reconciliation and settlement between lenders and servicers, eliminating costly and time-consuming processes

Enhance Borrower Communication

Reduce borrower confusion by keeping your borrower up to date with automated emails and communication that complement RESPA communications.

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