Most brokers do not need more leads. They need fewer files dying in comparison, documentation and re-submission. Model your own desk below.
| Stage | Manual workflow | With IntelliRate |
|---|---|---|
| Application intake | PDF or phone call, re-keyed by the agent, chased for gaps over several days | Guided digital intake with conditional logic; gaps flagged before submission |
| Document collection | Email threads and manual reminders; documents reviewed one at a time | Automated requests and reminders; documents reconciled against the stated file |
| Lender comparison | 3–5 lenders checked against rate sheets and guideline PDFs, by memory and habit | Every contracted program modelled; thousands of priced scenarios ranked |
| Basis of comparison | Headline rate, with fees and penalty terms noted informally | Total cost of borrowing over the term, fees and penalty exposure priced in |
| Approval likelihood | Judgment call, learned lender by lender over years | Scored per program against the file, with the disqualifying guideline named |
| Package assembly | Checklist rebuilt manually for each lender's requirements | Assembled against the chosen lender's checklist, conditions tracked to satisfied |
| Client presentation | Verbal, or a spreadsheet built per deal | Branded comparison with the dollar difference stated plainly |
| After funding | A calendar reminder at renewal, if someone set one | Continuous monitoring with dated refinance and renewal triggers |
| Compliance record | Reconstructed from notes and email when asked | Timestamped audit trail of every option shown and every reason given |
Most brokers don't need more leads. They need fewer files dying in comparison, documentation and re-submission. Model your own desk.
Lift is your assumption, not our promise — set it to zero and the time reclaimed still stands on its own. Time saved assumes IntelliRate absorbs comparison, document chasing and package assembly.
From files that fund instead of stalling.
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We will model your desk properly — splits, panel, province and all.