Rate-drop refinance trigger to past borrowers

Set an alert for when average rates fall by a defined amount from a past borrower's closed rate, then pull the list of borrowers above that new rate from your loan origination system and reach out individually by phone or email to review whether a refinance conversation makes sense, without promising savings.

Why it works: Reaching out at the moment rates actually move is more relevant than a generic quarterly refinance email, and it gives past borrowers a reason to think of you again.