Strategic rate-modification solution enables banks to retain performing borrowers and preserve servicing income

DALLAS, TX | November 18, 2025

Outamation, a leader in mortgage automation and digital transformation, today announced the launch of OutamateMods™ Retention, a comprehensive solution that enables banks and financial institutions to efficiently execute competitive-rate loan modifications on portfolios they own.

As refinancing activity accelerates amid shifting interest-rate conditions, OutamateMods™ Retention provides lenders with the operational infrastructure to proactively retain valuable customers before they refinance elsewhere—helping institutions protect both portfolio value and borrower relationships.

What Industry Leaders Are Saying

“OutamateMods™ Retention represents a fundamental evolution in how financial institutions approach portfolio management in a changing rate environment,” said Steve Stein, Board Member at Outamation, speaking from his experience with top 10 lenders such as CitiMortgage and JP Morgan Chase – “Rather than waiting to lose customers to competitors, institutions can now act strategically to preserve both servicing income and customer relationships.”

Lisa Guadagno, Vice President of Global Initiatives at Outamation, and former Head of Innovation for the Americas at HSBC, added, “OutamateMods™ Retention streamlines what has traditionally been a manual, time-intensive process. Institutions can efficiently evaluate, fulfill, and execute modifications at scale, all while maintaining full compliance oversight.”

Key Features and Capabilities

• Automated workflow management for rate-modification processing
• Comprehensive compliance tracking and documentation
• Seamless integration with existing loan-servicing systems
• Portfolio analytics to identify retention opportunities
• Borrower communication and document-management tools
• Purpose-built for portfolio loans owned by the lending institution (not applicable to loans serviced for third-party investors)

Initial deployments include tier-one banking partners, with OutamateMods™ Retention delivering rapid implementation timelines measured in weeks rather than months. The solution enables lenders to preserve servicing income, reduce operational costs, and improve borrower satisfaction in an increasingly competitive market.

About Outamation

Outamation is a pioneer in automation and digital transformation, specializing in workflow solutions that deliver measurable business outcomes. The company’s flagship product, OutamateMods™, is revolutionizing home retention processing through intelligent automation, comprehensive compliance management, and seamless integration capabilities. Outamation serves mortgage servicers, lenders, and financial institutions nationwide, helping them navigate complex regulatory environments while maximizing operational efficiency across all retention program types, including performing loan modifications for portfolio loans.

Founded on the principle that technology should solve real business challenges, Outamation continues to push the boundaries of what’s possible in mortgage servicing automation. The company has received multiple industry awards for innovation and continues to be recognized as a leader in mortgage technology solutions.