For credit unions, fintech lenders, and home-improvement finance
Turn stalled applications into funded loans.
Primary Logic autonomously works the applications your loan officers can’t keep chasing — inside your LOS and CRM, within your rules — until the funded loan is recorded.
Stop losing revenue
The application came in. The file went quiet.
Borrowers apply for HELOCs, home-improvement, personal, and auto-refi loans — then stall on a document, a callback, or a portal step. Your loan officers work the files in front of them; the rest age.
The documents never arrive
Two pay stubs on a work computer. A 10 am reminder to someone who’s free after 6. The file ages.
The callback never happens
“Call me after 6.” The note goes in the CRM. The evening comes and goes, and so does the borrower.
The web lead waits overnight
A 9 pm application gets a next-morning callback. By then the borrower has heard from someone else.
- 10×
- more likely to reach a lead within 5 minutes than after 30
- 45 days
- a typical origination, with dozens of points where a file can stall
Lead Response Management study, MIT / InsideSales
Industry origination timelines; illustrative
The solution
Every stalled file, worked until it funds.
Primary Logic picks up the file your team can’t get to and completes it autonomously — in your name, in your LOS, within the rules you set. Nothing is routed back to your loan officers.
Answers when the borrower can
Two minutes after the 9 pm application; the 6:05 pm call because that’s when they said.
Never drops the follow-up
Missing items chased by phone, text, and email, on their schedule, for the life of the file.
Reads the file, end to end
Answers only from what’s recorded — approved rate, disclosure, next step. Nothing routed back.
Finishes in your LOS
Documents marked received, closing set, funding recorded — that’s when it counts.
- Secure upload link sentDay 1 · 9:15 am
- Stays on for the upload6:05 pm
- Rate + disclosure sent6:14 pm
- Clear to close, time setDay 8 · 11:20 am
- Loan fundedDay 10 · 5:45 pm
The economics
The file is already in your LOS. You pay only when it funds.
Every stalled application is a borrower you already paid to acquire. Getting it funded costs a fixed fee per funded loan — nothing else.
- Paid regardless
Purchased leads
Per lead, funded or not — a new stranger for every file that stalls.
- Paid regardless
More processing staff
Salary and training, whether or not the files fund.
- Paid regardless
Outsourced call center
Per hour or seat, working a script instead of your LOS.
- Paid on outcome
Primary Logic
A fixed fee per loan funded in your LOS. Nothing otherwise.
Fund the loans you’re losing.
Give Primary Logic one stalled queue, one set of rules, and one funding report. It works the files inside your LOS; you pay only when a loan funds.