The before
For fifteen years, Jerome Trail ran Mortgage Trail the way most Canadian brokers run their book: on experience, relationships, and a spreadsheet. In 2021 that meant roughly $60M in annual funded volume. Renewal follow-up tracked in a row of cells that only got updated when he remembered to update it.
It worked. It just didn’t scale. Every new client landed in the same manual system, and every renewal File that slipped through was volume he never saw leave, captured by a lender who reached out first.
The breaking point
The renewal wave forced the question. With $900B in Canadian mortgages renewing through 2027, the gap between the brokers who reach out on every File and the brokers who rely on memory stopped being a rounding error. It became the whole game.
What changed
Jerome didn’t add headcount. He replaced three manual systems with one platform:
- Pipeline visibility. Every lead, from first contact to funded loan, in one place, with the follow-up automated so nothing leaks.
- Renewal intelligence. ReFi Maximizer monitors the book, flags renewals and refinance opportunities ahead of maturity, and starts the File conversation automatically, before the lender does.
- Document processing. Intelligent Document Processing turned up to ten hours of collection and validation per file into minutes, with compliance checks built in.