Likely to list: reach your borrowers before they sell

When a borrower you kept decides to sell, the next loan is up for grabs. By the time the sign is in the yard, their agent has usually already suggested a lender. Likely to list gives a mortgage company a head start. On the Borrower Retention page, a new card lists the company’s retained borrowers whose home looks likely to go up for sale soon, each with the loan officer who wrote their loan. Managers can see who to call and whose call it is without opening every loan officer’s profile.

Before the sign goes up#

Borrower Retention already showed Active listings: retained borrowers whose home is on the market right now. Likely to list is the step before that. These homes aren’t listed yet, but they look likely to be soon.

A home is in one list or the other, never both. Once a home is listed or goes under contract, it moves to Active listings.

What’s on each row#

Rows are sorted by score, highest first. Only loans written by your company’s own loan officers are included. Loans you funded for a broker’s loan officer are left out.

How to use it#

The list is updated every week along with the rest of Borrower Retention. The card appears once a company has borrowers on it.

For developers#

Everything on the card is also in the Model Match API and the @model-match/api TypeScript SDK (3.76.0 and later). GET /v1/companies/{nmlsId}/retention/likely-to-sell pages a company’s likely-to-list borrowers, highest score first.

curl "https://api.modelmatch.com/v1/companies/7654321/retention/likely-to-sell?size=25" \
  -H "x-api-key: mm_your_key_here"

import { createClient } from "@model-match/api";

const client = createClient({ apiKey: process.env.MODEL_MATCH_API_KEY });

const result = await client.companies.retentionLikelyToSell({
  path: { nmlsId: "7654321" },
  query: { size: 25 },
});

const borrowers = result.data?.data; // highest score first

// The current team, one loan officer at a time
const team = await client.companies.retentionLikelyToSell({
  path: { nmlsId: "7654321" },
  query: { view: "team", originator: "1000004" },
});

{
  "companyNmlsId": "7654321",
  "computedAt": "2026-11-09T00:00:00.000Z",
  "status": "ok",
  "data": [
    {
      "propertyId": "example-property-id",
      "address": "100 Example Ave, Denver, CO 80202",
      "salePropensity": 97,
      "propensityCategory": "High",
      "originatorNmlsId": "1000001",
      "originatorName": "Loan Officer A",
      "loanDate": "2021-03-15",
      "loanAmount": 412000,
      "lender": "Example Mortgage Co."
    }
  ],
  "total": 5,
  "cursor": "eyJleGFtcGxlIjoiY3Vyc29yIn0"
}

salePropensity is the likely-to-list score and propensityCategory its band. In the team view, each row also carries writtenAt, the previous employer a loan was written at, or null for loans written at the company. computedAt is when the list was last updated.

The company’s retention summary, GET /v1/companies/{nmlsId}/retention (client.companies.retention), now includes likelyToSell: the total count and the top 10 loan officers by borrowers likely to list. Use it for a headline number, or pass one of those loan officers as originator to get their rows.

Good to know#