Solutions for Mortgagers and Lenders
We help servicers, lenders, and creditors turn data into action—engaging borrowers personally, identifying markets, addressing root financial stressors, and guiding families back to stability—while reducing losses and building community.
Borrower Data Insights
Translate complex borrower data into clear, actionable intelligence, enabling tailored support, smarter risk management, and stronger portfolio outcomes.
Recovery & Retention Services
Connect at-risk borrowers with tailored community support that stabilizes households, protects lender portfolios and strengthens client relationships.
Lending Performance Solutions
Delivers clear insights into asset health, risk trends, and growth opportunities, helping lenders optimize strategies and strengthen long-term portfolio resilience.
Allocating Risk Management Resources
Improving Recovery Rates
Understanding Consumer Financial Stress
Evaluate Portfolio Health
Consumer Financial Stress
Receive prioritized lists of high-risk borrowers and insights into their financial stressors. Our actionable recommendations, managed Recovery and Retention Services, and clear reporting engage households effectively and efficiently.
Risk Management
Monitor portfolio health, forecast losses, and anticipate geographic or loan-type concentrations of risk. Our analytics and visualizations inform proactive strategies that reduce financial exposure.
Portfolio Performance
Our dashboards and reports guide strategic decisions, budget allocations, and investor communications. Executives and decision-makers can understand portfolio performance, ROI of recovery efforts, and benchmarks against industry standards.
Recovery and Retention
Reduce churn and improve cardholder satisfaction. Insights into why customers fall behind (financial stressors, spending habits) and guidance on personalized outreach or offers to keep accounts active.
What Sets Pivot Apart?
Unlike collections agencies that step in after default, or consultants who stay high-level, Pivot Partnerships delivers a proactive, data-driven approach to borrower recovery. We combine the strategic lens of consulting, the analytical rigor of technology, and the practical action of pilot implementation—getting results in weeks, not years. Our focus is on early intervention, measurable impact, and solutions that protect portfolios while strengthening community relationships.
How We’re Different
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Why Pivot? We’re not a collections agency, because our approach is preventive and data-driven, not reactive and transactional.
WHAT OTHERS DO:
What they do: Step in when accounts are delinquent, often post-default, to recover balances.
Their Focus: Debt collection, payment recovery, sometimes skip-tracing.
Their Limitations: They work after default, not proactively to help borrowers get back on track. They’re also compliance-heavy and not positioned as strategic partners.
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Pivot is more specialized and practical, with a clear 6-week outcome focus.
WHAT OTHERS DO:
What they do: Strategy, process design, data analysis, risk management, regulatory compliance.
Their Focus: Big-picture strategy, often very expensive, more about frameworks than hands-on recovery.
Their Limitations: Rarely roll up their sleeves into borrower-level interventions or pilots.
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Pivot complements these vendors. Pivot’s workshops and pilots unlock value from existing systems.
WHAT OTHERS DO:
What they do: Sell software for servicing, delinquency management, and compliance reporting.
Their Focus: Platform/tools, automation, dashboards.
Their Limitations: Provide tech, but not hands-on strategy, training, or data-driven recovery pilots.
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Pivot provides tools that not only assist companies in meeting their compliance requirements but we improve household and community outcomes quickly.
WHAT OTHERS DO:
What they do: Help banks meet Community Reinvestment Act requirements through community investment strategies.
Focus: Compliance, data mapping, community partnerships.
Limitations: More compliance-driven than borrower-recovery-driven.
Pivot Certification Track
Elevating Mortgage Servicing with Data, Strategy & Building Community.
The Pivot Certification Track equips mortgage servicers, lenders, and creditors with the tools, strategies, and recognition to achieve measurable results for borrowers, investors, and communities. Through a three-stage pathway, organizations progress from training to operational excellence to industry leadership.
Let’s Get Started.
info@pivotpartnerships.org
(520) 405-2029
Monday through Friday 8a to 8p (Eastern)