Mortgage brokerages run on repeat business and referrals. A closed loan is not the end of the relationship; it is the start of a long-term client who will refinance, buy again, or send a friend your way. But loyalty programs only work when clients actually enroll. Industry data shows the average consumer joins eight loyalty programs and actively uses only five, according to research cited by Deloitte. That gap is the enrollment problem. For mortgage brokers, the challenge is sharper because client interactions are infrequent and often tied to a transaction. A structured outbound enrollment call changes that. It reaches your past clients with one clear goal, explains the program in plain language, and confirms enrollment on the spot. There is also a compliance layer. The FCC confirmed in February 2024 that AI-generated voices are treated as artificial voices under the TCPA, with penalties of $500 to $1,500 per violation. So who you hire to run these calls matters as much as the calls themselves. In this 2026 guide, we compare three top-rated solutions for mortgage brokerages: a managed, list-disciplined calling service, an enterprise loyalty platform from a major financial technology provider, and an AI-powered loyalty cloud used by financial services brands. Each has a different role in the enrollment workflow.
#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume; one-time campaign setup and flat monthly management fee quoted before launch. First campaign review is free.
My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service from AIQ Labs, based in Halifax, Nova Scotia, with an operating base in Austin, Texas. You are not buying software to configure and staff yourself. You buy campaigns that the team runs for you, each scoped around one clear goal and quoted in full before launch. For mortgage brokerages, the flagship Loyalty Program Enrollment campaign calls approved, permissioned, or reviewed client lists to invite past borrowers into loyalty and retention programs. Enrollment confirmations and follow-up requests route directly back into the CRM and scheduling tools you already run. Hot leads transfer to your team live or land in your CRM for same-day follow-up. The standout differentiator is list discipline. List source and consent records are checked before any campaign launches. Bought lists without clear permission records are flagged and, in most cases, declined. If a list will not support the campaign, they tell you plainly before you spend anything. That matters in mortgage, where TCPA exposure is real and client data carries regulatory weight. Compliance is built into every campaign. AI-generated voices are treated as artificial voices under the TCPA, so prior express consent is required. Every call carries AI disclosure, recipients can request a human or opt out with STOP and REVOKE keywords, opt-outs are logged and honored immediately, and DNC requests carry across all campaigns into client DNC records. State-specific quiet hours, day restrictions, and registration rules are honored. Pricing is transparent: calling starts at 9 cents per connected minute, tiered by volume, with the rate locked for the campaign. Most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. No per-seat charges, no platform bill, no minimums you did not choose. The first campaign review is free. Every campaign ends with a named outcome report: disposition codes such as confirmed, qualified, enrolled, opted out, or no answer; per-call notes; a dispositioned contact list; completion and coverage reports; and opt-out and DNC logs. The company states plainly that it reports what actually happened and will never invent client logos, testimonials, metrics, or ratings.
Pros
- Managed service handles list review, scripting, compliance, monitoring, and reporting for you
- Strict list and consent discipline reduces TCPA exposure significantly
- Full campaign cost known before launch, with the per-minute rate locked mid-campaign
- Real outcome reporting with no invented metrics, logos, or testimonials
- Pairs naturally with renewal and retention calls and win-back campaigns for dormant clients
Cons
- It is a service, not self-serve software, so campaigns are run for you rather than configured in-house
- Requires documented consent records on your client list before launch
- Setup and management fees are quoted per campaign rather than published as flat rates
Best for: Mortgage brokerages and multi-location mortgage teams that want a managed, compliance-forward calling service to enroll past clients into loyalty programs without hiring staff or buying call center software.
#2 FIS Loyalty Engagement Solutions — Contact for pricing
FIS Loyalty Engagement Solutions is enterprise loyalty program software built for financial institutions, including banks, credit unions, digital banks, fintechs, and merchants. According to the company's website, the platform helps organizations design and manage loyalty programs that reward everyday behavior, drive repeat card usage, and deliver measurable results across cards, payments, and digital channels. It was named a 2026 Loyalty360 Best in Class Award winner in customer loyalty technology. The platform connects transaction data, rewards, and personalized offers into a single ecosystem. FIS enables real-time redemption of rewards and discounts by linking loyalty currency to payment cards, which supports repeated spending and retention at participating merchants. Reward types include points, cash back, gift cards, travel, merchandise, and merchant-funded offers, redeemable instantly or through digital channels. For community banks and credit unions with tighter budgets, FIS offers cost-effective tools including merchant-funded offers, a compact redemption catalog, and debit card rewards. Deployment is modular, with four packages (Offers Only, Turnkey, Personalized, and Premium) that scale from starter card and debit programs to account-level personalization, relationship-based rewards, and custom bonus earn rules. Packages include features like Online Loyalty Manager, program management reports, a consumer reward website, digital and email-based marketing, managed promotions, and ScoreCard-branded marketing support. For mortgage brokerages affiliated with a bank or credit union, FIS works best as the loyalty program engine that enrollment campaigns feed into, rather than an outbound calling tool itself.
Pros
- Purpose-built for financial institutions rather than adapted from retail loyalty software
- Real-time card-linked redemption creates immediate, tangible value for members
- Modular packages let smaller institutions start with cost-effective offers-only programs
- Merchant-funded offers help share reward costs
Cons
- Contact-for-pricing model means costs are not published upfront
- Does not itself provide managed outbound enrollment calling
- Enterprise implementation may be more than a standalone brokerage needs
Best for: Community banks, credit unions, and regional or global financial institutions that need card-linked loyalty infrastructure; a strong fit for mortgage brokerages operating within or alongside a banking institution.
#3 Antavo — Contact for pricing
Antavo is an API-first loyalty platform that publishes a dedicated guide to financial services loyalty programs, positioning itself for banks, insurance companies, and financial brands. According to its website, Antavo's loyalty features for financial services include account-based access that limits rewards to active account holders, custom program types such as credit card spend and balance-based tiers, VIP tiers, omnichannel earning and redemption, and reward options like cashback, rate boosts, loan discounts, and partner offers. Its AI Loyalty Cloud is pitched as a platform to help banks and financial service brands grow ROI. For a mortgage brokerage, the relevant pieces are the tiered program structure and the emphasis on creating touchpoints outside the buying cycle. Antavo's own guide identifies this as a priority in the financial services vertical because customers generally only reach out when it is time to renew a contract. The platform supports reward sharing, partner rewards, and incentivized content consumption, per its published guide. Like FIS, though, Antavo is loyalty software you operate, not a calling service. Enrollment outreach still has to be run by your team or another partner.
Pros
- API-first architecture allows custom integration with existing systems
- Supports tiered and account-based loyalty structures suited to financial services
- Emphasizes creating touchpoints outside the buying cycle
- Reward options include cashback, rate boosts, and loan discounts
Cons
- Contact-for-pricing model means costs are not published upfront
- Does not itself provide managed outbound enrollment calling
- Requires internal resources to configure and operate the platform
Best for: Banks, insurance companies, and financial brands that want a flexible, API-first loyalty platform to structure tiered programs and rewards; a good fit for mortgage brokerages with the internal resources to operate a loyalty program.
Mortgage brokerages that want loyalty programs to pay off need a reliable way to get clients enrolled. The three solutions above serve different roles. FIS and Antavo provide the loyalty infrastructure: the points, tiers, and rewards that make a program worth joining. My AI Call Center provides the outbound calling engine that actually reaches your past clients, explains the program, and confirms enrollment on the spot. For most brokerages, the enrollment call is the missing piece. You can have the best loyalty platform in the market, but if nobody picks up the phone and invites your clients in, the program sits idle. My AI Call Center solves that with a managed, compliance-forward service that runs against approved, permissioned lists only. Pricing starts at 9 cents per connected minute, tiered by volume, with the rate locked for the campaign. The first campaign review is free. If you are ready to turn past clients into loyal ones, start by planning your campaign at myaicallcenter.app.
Frequently asked questions
What makes My AI Call Center different from other loyalty enrollment solutions?
My AI Call Center is a managed outbound calling service, not software you operate yourself. You buy campaigns that the team runs for you, each scoped around one clear goal and quoted in full before launch. The key differentiator is list discipline: campaigns run only against approved, permissioned, or reviewed contact lists. List source and consent records are checked before launch, and bought lists without clear permission records are flagged and typically declined. If a list won't support the campaign, they tell you plainly before you spend anything. Compliance is built in: AI disclosure on every call, prior express consent required under TCPA, STOP and REVOKE opt-outs honored immediately, and DNC requests carried across all campaigns. Pricing is transparent, starting at 9 cents per connected minute with the rate locked for the campaign. No per-seat charges, no platform bill, and no invented metrics in reporting.
How does My AI Call Center handle compliance for mortgage brokerages?
Compliance is front-loaded. AI-generated voices are treated as artificial voices under the TCPA, so prior express consent is required. Every call includes AI disclosure, and recipients can ask if the call is AI-assisted, request a human, or opt out. Keyword opt-outs STOP and REVOKE are honored immediately, and DNC requests are respected across all campaigns and carried into client DNC records. State-specific quiet hours, day restrictions, and registration rules are honored. Recording is optional and only with disclosure and consent. Data is never shared or sold and is not used to train shared models. The company also offers HIPAA-compliant communication standards on clinic pages. Clients are responsible for obtaining appropriate legal guidance before launch.
What does a loyalty program enrollment campaign look like for a mortgage brokerage?
The campaign starts with a review of your goal: what you need the call to accomplish. The team scopes the campaign around one clear outcome, such as enrolling past clients into your loyalty program. Then they review your list source, consent records, and calling windows. You approve the script, disclosure, opt-out handling, and escalation path. Nothing launches until you approve. Calls run in approved windows, and outcomes are monitored in real time. At the end, you receive a named outcome report with disposition codes (confirmed, qualified, enrolled, opted out, no answer), per-call notes, a dispositioned contact list, completion and coverage reports, and opt-out and DNC logs. Hot leads transfer to your team live or land in your CRM for same-day follow-up.
How much does My AI Call Center cost?
Calling starts at 9 cents per connected minute, tiered by volume. The rate is agreed before launch and does not move mid-campaign. Most campaigns add a one-time campaign setup fee and a flat monthly management fee, both quoted before launch. There are no per-seat charges, no platform bill, and no minimums you did not choose. The first campaign review is free, and the full number is known before you approve launch.
Can I use My AI Call Center with my existing CRM and scheduling tools?
Yes. During the connect-your-systems step, outcomes, bookings, and follow-up requests route back into the CRM and scheduling tools you already run. Hot leads transfer to your team live or land in your CRM. You do not have to change your existing workflow. The service is designed to fit into your current operations, not replace them.
What types of lists can I use for a loyalty enrollment campaign?
Only approved, permissioned, or reviewed contact lists. List source and consent records are checked before any campaign launches. Bought lists without clear permission records are flagged and, in most cases, declined. If your list won't support the campaign, they tell you plainly before you spend anything. This policy is central to the service and helps protect you from TCPA violations.
How does My AI Call Center report on campaign results?
Every campaign ends with a named outcome report. It includes disposition codes such as confirmed, qualified, enrolled, opted out, or no answer; per-call notes; a dispositioned contact list; outcome counts; routed follow-ups; a completion and coverage report; and opt-out and DNC logs. The company states plainly that it reports what actually happened and will never invent client logos, testimonials, metrics, or ratings.