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APEX
by  Huit.AI
Loan Officer Recruiting Intelligence
PATENT-PENDING · HMDA-POWERED · AI-DRIVEN
847K+
LOs Tracked
7 Years
HMDA History
86%
TLS Accuracy
40+
Signal Sources
Command Center
Campaigns
LO Database
Analytics
Settings
LIVE FEED
DH
Derek H.
Market
All Markets ▾
TLS Threshold
High Risk (75+) 23
Watch (50–74) 87
Stable (0–49) 737
Loan Type
Min Volume
$10M+ Annual ▾
90-Day Window
Next 90 Days ▾
LOs Tracked
847
High Priority
23
Vol. Monitored
$2.1B
Avg TLS
41
Last updated: LIVE
TLS SCORE LEGEND
High (75–100) — Act Now
Medium (50–74) — Watch
Low (0–49) — Stable
© APEX · HUIT.AI · HMDA 2024
Priority Queue
23 HIGH-PRIORITY LOs
Command Center
LO Database
Campaigns
Analytics
Settings
← Back to Command Center
DH
Derek H.
MT
Marcus T.
Pacific Union Mortgage · Seattle, WA
TLS 87 · HIGH RISK
2024 Volume
$48.2M
NMLS
#784921
Years Licensed
12 yrs
Market Rank
#7 / SEA
Specialties
Conventional Jumbo FHA Purchase
Top Markets
Seattle–Bellevue MSA68%
Tacoma MSA21%
Olympia MSA11%
87 TLS SCORE 0 100
Transition Likelihood Score
APEX calculates an 87% probability that Marcus will change companies within the next 90 days, based on 40+ behavioral and market signals.
⚠ Production Dip ⚠ Branch Share Loss ◈ License Renewal Due ◉ Comp Event Detected
Signal Breakdown
Production-7.1%
Mkt Share-2.3pt
LicensingWatch
Signal Timeline — Last 90 Days
Mar 14
Branch market share dropped 2.3 points in Seattle–Bellevue MSA (Q1 2025)
Feb 28
February production: $3.1M (down 18% vs. Feb 2024 baseline of $3.8M)
Feb 14
NMLS license renewal window opens (expires Aug 31, 2025) — historical indicator of career evaluation period
Jan 22
Compensation benchmark event detected — Pacific Union restructured LO comp plan Q1 2025
Command Center
LO Database
Campaigns
Analytics
Marcus T. — Production Intelligence
DH
Derek H.
7-Year HMDA Production History
Marcus T. · NMLS #784921 · Source: CFPB HMDA 2018–2024
↓ Declining Trend
Loan Type Breakdown — 2024
68%
Conventional
$32.8M
22%
FHA
$10.6M
10%
VA
$4.8M
Licensing History
DateEventState
2025-02-14↻ Renewal DueWA
2024-08-30✓ RenewedWA
2023-08-29✓ RenewedWA
2022-09-01✓ RenewedWA
2021-01-15+ Added StateOR
2013-03-12+ OriginalWA
Annual Volume Trend
YearVolumeYoY
2018$41.2M—
2019$44.8M+8.7%
2020$52.1M+16.3%
2021$58.4M+12.1%
2022$51.3M-12.2%
2023$49.6M-3.3%
2024$48.2M-2.8%
⚠ 3-Year Declining Trend
Peak production was $58.4M in 2021. Marcus is down $10.2M (-17.5%) from peak. Branch average declined 12% in same period — Marcus is underperforming peers.
Command Center
Campaigns
LO Database
Analytics
DH
Derek H.
Auto-Trigger Rules
TLS Spike
Queue when score crosses 75
ACTIVE
Production Dip
Queue when vol drops >10% MoM
ACTIVE
License Event
Queue on renewal window open
ACTIVE
Company Event
Queue on merger / comp change
PAUSED
Active12
Queued7
Completed34
Campaign Queue
7 NEED IMMEDIATE ACTION
Sort: Priority ▾
LO Location Volume TLS Trigger Step Status Action
Marcus T.
Pacific Union Mortgage
 Seattle, WA $48.2M 87 Prod. Dip + Branch Loss Email 1 ACT NOW
Jennifer K.
CrossCountry Mortgage
 Portland, OR $62.4M 82 TLS Spike Call 1 ACT NOW
David R.
Guaranteed Rate
 Denver, CO $39.1M 79 License Renewal Email 1 ACT NOW
Sarah M.
loanDepot
 Phoenix, AZ $54.8M 71 Prod. Dip Email 2 IN PROGRESS
Chris V.
NewRez
 Chicago, IL $71.2M 68 Branch Event Email 1 IN PROGRESS
Ana L.
United Wholesale
 Miami, FL $44.0M 62 TLS Spike Call 2 IN PROGRESS
Brian W.
Movement Mortgage
 Charlotte, NC $38.5M 44 License Renewal Email 1 QUEUED
Command Center
Campaigns
LO Database
Marcus T. — Outreach Sequence
DH
Derek H.
Sequence Steps
1
Email 1
Day 0 — Send now
VIEWING NOW
2
Call Script 1
Day 3
3
Email 2
Day 7
4
LinkedIn Touch
Day 10
5
Call Script 2
Day 14
FROM
Derek Huit <derek@huit.ai>
TO
marcus.t@pacificunionmortgage.com
SUBJECT
Quick question about the Seattle market, Marcus

Marcus,

I've been tracking production data across the Seattle–Bellevue corridor and your name keeps coming up as one of the consistently strong Conventional and Jumbo producers in the market.

I'm not reaching out about a job opening — I'm genuinely curious about where you see the Seattle purchase market heading in Q2 and Q3. We work with a lot of high-producing LOs across the Pacific Northwest and the conversation around pricing, volume trends, and comp is shifting in ways that might be worth talking through.

Would you have 15 minutes in the next couple of weeks for a low-key conversation? No agenda, no pitch — just two people who pay close attention to the same market.

Either way, keep doing what you're doing in that market. Your production numbers speak for themselves.

Derek Huit
Founder, Huit.AI
(907) 555-0182

APEX Intelligence Used in This Outreach
📊 HMDA: $48.2M Conventional/Jumbo leader
📍 Market: Seattle–Bellevue focus identified
📉 Signal: Branch market share contraction
Send Controls
Sequence Stats
Similar LOs contacted47
Email 1 open rate64%
Meeting conversion22%
✓ Compliance Check
No RESPA trigger. No competitor reference. Tone reviewed.
Command Center
Campaigns
LO Database
Analytics
Q1 2025 ▾
DH
Derek H.
LOs Contacted
147
↑ +24 vs Q4
Meetings Set
32
21.8% conversion
Offers Extended
8
25% meet-to-offer
Hires Closed
3
37.5% close rate
Pipeline Value
$384M
Projected annual vol.
Monthly Outreach → Meetings Funnel
Best Trigger Types by Conversion
Q1 ROI Projection
Based on 3 Q1 hires averaging $48M annual production
$144M
New Annual Volume Added
$1.44M
Est. Revenue (1% margin)
4 LOs
Active Offer Stage
Command Center
Campaigns
LO Database
Analytics
Settings
LIVE FEED
DH
Derek H.
Market
All Markets ▾
TLS Threshold
High Risk (75+)22
Watch (50–74)87
Stable (0–49)738
LOs Tracked
847
High Priority
22
Vol. Monitored
$2.1B
Active Campaigns
19
Last updated: LIVE
TLS SCORE LEGEND
High (75–100) — Act Now
Medium (50–74) — Watch
Low (0–49) — Stable
Your next hire is already
in the system.
HUIT.AI
Priority Queue
22 HIGH-PRIORITY LOs
Command Center
Campaigns
LO Database
Reports
DH
Derek H.
LO Transition Risk Report
Pacific Northwest Region · 90-Day Window · Generated Mar 19, 2025 · APEX Intelligence
$284M
Volume At Risk
8 LOs
High Risk
23 LOs
Watch List
Portfolio Risk Distribution — $2.1B Monitored
847 LOAN OFFICERS
HIGH 13.5%
WATCH 27%
STABLE 59.5%
$284M at risk (TLS 75+)
$567M watch (TLS 50–74)
$1.25B stable (TLS 0–49)
HIGH RISK — TLS 75+ — Immediate Action Required
8 LOAN OFFICERS · $284M VOLUME
RankLO NameCurrent CompanyMarket 2024 VolumeTLS ScorePrimary Signal Days in WindowAction
#1
Marcus T.
NMLS #784921
 Pacific Union Mortgage Seattle, WA $48.2M 87 ⚠ Prod. Dip + Branch Loss 14d left
#2
Jennifer K.
NMLS #512044
 CrossCountry Mortgage Portland, OR $62.4M 82 ⚠ TLS Spike +18pts 22d left
#3
David R.
NMLS #338871
 Guaranteed Rate Denver, CO $39.1M 79 ⚠ License Renewal 31d left
#4
Rachel M.
NMLS #601234
 loanDepot Bellevue, WA $44.7M 77 ⚠ Comp Event Detected 44d left
#5
Thomas B.
NMLS #445512
 NewRez Tacoma, WA $31.8M 76 ◈ Branch Restructure 58d left
+ 3 more high-risk LOs not shown
View all 8 →
Top Trigger Signals — This Window
Production Dip
74%
License Renewal
58%
Branch Mkt Share ↓
51%
Comp Event
38%
Rate-Lock Pattern
22%
Risk by Competitor Company
Pacific Union Mortgage
3 HIGH
$134M
CrossCountry Mortgage
2 HIGH
$98M
Guaranteed Rate
1 HIGH
$39M
loanDepot
4 WATCH
$187M
Command Center
Campaigns
LO Database
Reports
DH
Derek H.
Market Intelligence Report
Seattle–Bellevue MSA · Q1 2025 · HMDA + NMLS Data · APEX Intelligence
$4.8B
Market Volume
-3.2%
YoY Change
↑ 6 LOs
Moved to Mkt
Company Market Share — Seattle MSA Q1 2025
RankCompanyProducing LOsQ1 VolumeMarket ShareQoQ Share ΔAvg LO VolumeTLS Exposure
▲1 United Wholesale 142 $892M
18.6%
 +1.4% $6.3M LOW
▼2 Pacific Union Mortgage 89 $744M
15.5%
 -2.3% $8.4M HIGH
▲3 CrossCountry Mortgage 67 $598M
12.5%
 +0.8% $8.9M WATCH
▼4 Guaranteed Rate 54 $481M
10.0%
 -1.1% $8.9M HIGH
5 loanDepot 48 $392M
8.2%
 +0.1% $8.2M WATCH
LO Movement Flow — Q1 2025 (Confirmed & Predicted)
Marcus T. + 2 others
FROM: Pacific Union Mortgage
→
Predicted destination: Independent Brokerage or top-5 competitor
TLS 87 · PREDICTED
Angela W.
FROM: Rocket Mortgage
→
TO: CrossCountry Mortgage — $41M producer joined Q1
CONFIRMED
Jason P. + 1 other
FROM: loanDepot
→
TO: United Wholesale — Combined $78M joined Q1
CONFIRMED
Jennifer K.
FROM: CrossCountry Mortgage
→
Destination unknown — TLS spike detected, 90-day window open
TLS 82 · WATCH
Command Center
Campaigns
LO Database
Reports
DH
Derek H.
Recruiting Pipeline Report
Q1 2025 · All Regions · Executive Summary · APEX Intelligence
147
LOs Contacted
3
Hires Closed
$1.44M
Est. Revenue Added
Recruiting Funnel — Q1 2025
147
94
32
8
3
IDENTIFIED
CONTACTED
MEETINGS
OFFERS
HIRED
Q1 Hires — Closed
Angela W.
CLOSED
FROM: Rocket Mortgage → Joined Jan 14
$41M ann. vol. TLS was 91 18 day close
Jason P.
CLOSED
FROM: loanDepot → Joined Feb 3
$38M ann. vol. TLS was 84 24 day close
Diana L.
CLOSED
FROM: Flagstar → Joined Mar 1
$65M ann. vol. TLS was 88 31 day close
Pipeline ROI — Q1 Projection
3 Hires · Avg $48M production
$144M
New annual volume added
$1.44M
Est. Revenue (1%)
4 Active
In Offer Stage
24 days
Avg Days to Close
$384M
Pipeline Value
Command Center
Campaigns
LO Database
Reports
DH
Derek H.
APEX INTELLIGENCE DOSSIER · CONFIDENTIAL
Marcus T. — Full Intelligence Profile
Pacific Union Mortgage · Seattle–Bellevue MSA · NMLS #784921 · Generated Mar 19, 2025
87
TLS Score
$48.2M
2024 Volume
90d
Act Window
IDENTITY & LICENSING
Full NameMarcus T.
NMLS #784921
Licensed Since2013
States LicensedWA, OR
Current CompanyPacific Union
BranchSeattle Central
License RenewalAug 31, 2025
PRODUCTION INTELLIGENCE
Career Peak$58.4M (2021)
2024 Volume$48.2M ↓
From Peak-17.5%
3-Yr TrendDeclining
Top Loan TypeConventional (68%)
Avg Loan Size$548K
Market Rank#7 / Seattle
ACTIVE TRIGGER SIGNALS
⚠ Production Dip — HIGH
-18% MoM Feb 2025 vs Feb 2024 baseline. 3rd consecutive quarterly decline.
⚠ Branch Share Loss — HIGH
Pacific Union lost 2.3pts market share Q1 2025. Branch underperforming vs region.
◈ License Renewal Window — MEDIUM
Renewal due Aug 31. Historical data: 34% of LOs evaluate career moves during renewal windows.
◉ Comp Event — MONITOR
Pacific Union restructured LO comp plan Q1 2025. Potential dissatisfaction signal.
APEX RECOMMENDED OUTREACH STRATEGY
Timing
Contact within 14 days. TLS trajectory suggests score may reach 90+ by end of month. First-mover advantage critical.
Approach
Lead with market intelligence, not a job offer. Reference his Seattle production expertise. Avoid mention of Pacific Union by name.
Conversation Hooks
Q2 purchase market outlook · Conventional/Jumbo pipeline · Seattle market share trends · Platform and technology comparison
Command Center
Campaigns
LO Database
Reports
DH
Derek H.
Retention Intelligence Report
Your Team · All Branches · Real-Time Monitoring · APEX Intelligence
3
At-Risk LOs
$141M
Volume at Risk
7
On Watch
31
Stable
COST OF LOSING ONE HIGH PRODUCER
Replacement time · Lost production during transition · Recruiting cost · Training ramp · Client relationship damage
$380K+
Estimated total cost per departure
6–9 mo
Average replacement timeline
1 APEX yr
Cost to retain every LO on your team
Your At-Risk Producers — Action Required
ST
Sarah T. — Branch Manager, Portland OR
$58.4M producer · 9 years tenure · NMLS #441209
TLS 81 · HIGH
Act within 21 days
Comp Gap
-18%
vs market peers
Production
Plateau
3 months flat
Sentiment
Declining
Engagement score ↓
Competitors
2 Sniffing
Active outreach detected
MK
Michael K. — Senior LO, Seattle WA
$47.2M producer · 6 years tenure · NMLS #882341
TLS 74 · ELEVATED
Act within 45 days
Comp Gap
-11%
vs market peers
License
Renewal
Due in 60 days
Career Ask
Growth Path
No mgmt track offered
Peer Rank
#2 Branch
Underrecognized
RJ
Rachel J. — LO, Tacoma WA
$35.4M producer · 4 years tenure · License renewal + production dip detected
TLS 68 · WATCH
Retention ROI
If APEX helps you retain just Sarah T. this year, the avoided cost exceeds
$380,000
vs.
$2,350/mo
APEX COMMAND tier
= 13.5x ROI on a single retention event
Command Center
Campaigns
LO Database
Reports
DH
Derek H.
APEX RETENTION PLAYBOOK · PRIORITY 1
Sarah T. — Intervention Action Plan
Branch Manager · Portland, OR · $58.4M Producer · TLS 81 · Act within 21 days
81
Flight Risk
$58.4M
At Risk
21 days
Window
COMPENSATION INTELLIGENCE
Sarah's Current Comp
$197K
vs
Market Peers (P50)
$233K
-$36K
Annual gap · -18%
Sarah: $197K (82% of market)Gap: $36K
APEX Recommendation
Address within 14 days. A comp adjustment of $24K–$30K closes the gap to market parity. Cost to company: $2,500/mo. Cost of her departure: $380,000+.
PRODUCTION CONTEXT
$58.4M
2024 Volume
Plateau
3 months flat
#1
Branch rank
9 yrs
Tenure
She is your top producer and she knows it. The 3-month plateau reflects disengagement, not capacity. APEX cross-references peer production in the same market — Sarah is performing 12% below her adjusted ceiling. That gap typically reflects motivation, not market conditions.
APEX Conversation Playbook
Built from Sarah's specific data — not a template
Lead With Recognition
Open by acknowledging her as your top Portland producer. Cite her specific volume. She wants to feel seen. She has been your number one for 3 years and that may not have been said out loud recently.
Address Comp Directly
Do not wait for her to bring it up. APEX shows a $36K market gap. Acknowledge it and present a path forward. Producers respect transparency. Silence on comp when they know the market is worse than a gap.
Tech + Growth Hooks
She has asked twice about a CRM upgrade and once about a referral partner program. Both are on the roadmap. Tell her that. Give her a specific timeline. LOs leave when they stop believing in where the platform is going.
Close on a Commitment
End with a specific ask: Would a comp adjustment and a CRM upgrade keep you excited about being here for another three years? Get a yes or a real objection. Either one moves you forward.
APEX Follow-Up Monitoring
After the conversation, APEX continues monitoring Sarah's TLS. If the score drops within 14 days, the intervention worked. If it holds or rises, escalate to a written retention offer.