Every mortgage brokerage has a back book full of borrowers who quietly drifted away. The client you funded three years ago, the pre-approval that never converted, the past client whose renewal date came and went without a call from anyone. These aren't cold leads. They already know your team, they already passed your checks once, and they'll need a mortgage again eventually. The math backs the effort: Bain and Company research cited by Blings puts the cost of re-engaging a lapsed customer at roughly one-fifth to one-seventh the cost of acquiring a new one, and Personify notes that a 5% increase in retention can lift profits by 25% to 95%. Email alone rarely gets them back, because most win-back emails go unopened. A phone call gets a real answer: why they went quiet, whether they're shopping for a refinance or renewal, and whether they'd work with you again. The challenge is running those calls compliantly and consistently when your brokers are busy with live deals. In this 2026 guide, we compare seven solutions that help mortgage brokerages run structured lapsed client re-engagement outreach, from fully managed AI calling services to conversational engagement platforms and contact center systems.
#1 My AI Call Center — Calling starts at 9¢ 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. First campaign review is free.
My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service built around one promise: run more useful calls without building a bigger call center. Owned and operated by AIQ Labs, based in Halifax, Nova Scotia, with an operating presence in Austin, Texas, the company sells campaigns rather than software. You buy structured AI-powered calling campaigns that its team runs for you, each scoped around one clear goal and quoted in full before launch. Lapsed Member Re-Engagement is one of its 17 core campaign types, and it maps cleanly onto what a mortgage brokerage needs: reach past borrowers and pre-approvals that went quiet, confirm whether they're in the market for a renewal or refinance, and route warm responses straight back to your brokers. Win-Back & Reactivation Calling covers 12 to 24 month dormants, and Database Reactivation Blitz campaigns combine calls, texts, and emails over a structured two to four week window. There's also Renewal & Retention Calling scheduled 30 to 60 days before renewal dates, which lines up with how mortgage terms actually come up. What genuinely sets My AI Call Center apart is list discipline. The team only runs campaigns against approved, permissioned, or reviewed contact lists, never indiscriminate cold calling. List source and consent records are checked before any campaign launches, and bought lists without clear permission records are flagged and, in most cases, declined. The company says it plainly: they tell you if the list won't support the campaign, before you spend anything. For a brokerage, that matters, because your back book is your reputation and your regulatory exposure. Scripts, disclosures, opt-out handling, and escalation paths get your approval before anything launches. Compliance is treated as a first-class concern: AI-generated voices are treated as artificial voices under the TCPA with prior express consent required, AI disclosure appears on every call, keyword opt-outs (STOP and REVOKE) are honored immediately, and DNC requests are carried across campaigns into your records. State-specific quiet hours and day restrictions are respected. Reporting stays honest. Every campaign ends with a named outcome report using disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, routed follow-up requests, a completion and coverage report, and opt-out and DNC logs. Outcomes, bookings, and follow-up requests route back into the CRM and scheduling tools you already run, and hot leads transfer to your team live or land in your CRM. The company reports what actually happened and states it will never invent client logos, testimonials, metrics, or ratings. 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, so you know the full number before approving launch.
Pros
- Fully managed service: no software to learn, no calling staff to hire or train
- Strict list and consent discipline reduces TCPA and compliance risk before you spend anything
- Full cost known before approving launch, with the rate locked and no mid-campaign changes
- Outcomes route directly into the CRM and scheduling tools you already run
- No invented numbers: reporting reflects only what actually happened
Cons
- It's a managed service, not self-serve software, so you depend on the provider to execute campaigns
- Most campaigns include a setup fee and a monthly management fee beyond the per-minute rate
- Lists without clear consent records may be declined, which can limit who you can call
- Campaigns are scoped around one clear goal at a time rather than broad multi-objective outreach
Best for: Mortgage brokerages and multi-location lending businesses (1 to 200+ staff) that want compliant, managed re-engagement calls run against their own back book without hiring calling staff or buying and operating calling software.
#2 Callers.ai — Contact for pricing
Callers.ai runs AI win-back and re-engagement voice campaigns aimed at churned and inactive customers. According to their website, their voice agents reach people directly, reference their history, and offer the right incentive at the right time. The platform listens to churn signals in your CRM, such as last purchase date, subscription lapse, or inactive app usage, then fires outreach the moment those signals appear so the contact feels timely rather than random. For a mortgage brokerage, that trigger logic could catch a past borrower the moment their term approaches renewal or their engagement with your emails drops off. When the customer accepts, the agent records the sale, books the appointment, or triggers the upgrade, writing everything back to your systems. The managed side is the relevant angle for brokerages that don't want to run software themselves. Callers.ai describes its offering as a white glove service with a dedicated success manager, expert help building call scripts, and continuous optimization based on call analytics and outcome data. The company claims answer rates of 55 to 80 percent for its calls and cites a 26 percent reactivation rate within 30 days of a first win-back call, along with cost savings from automation. Those are the company's own published figures, so treat them as claims to verify rather than guarantees. Pricing is not published on their site.
Pros
- Managed service with a dedicated success manager and script expertise
- Outreach triggers automatically on churn signals, so timing feels personal
- Objections and reasons for leaving are logged into your CRM for smarter follow-up
- Claims high answer rates compared with email or SMS outreach
Cons
- Pricing is not published on their website
- Published performance figures like reactivation rates are the company's own claims and not independently verified
- Requires CRM data integration to power personalized, behavior-triggered calls
Best for: Mortgage brokerages that want managed AI voice re-engagement campaigns with behavior-triggered timing based on CRM signals.
#3 Five9 — Contact for pricing
Five9 is a cloud-based contact center platform with AI-powered outbound calling capabilities that mortgage brokerages with larger back books could use for re-engagement campaigns. According to their website, Five9 offers AI-driven outbound dialing in predictive and progressive modes, letting organizations reach high volumes of dormant contacts while managing agent workload. Intelligent virtual agents handle initial outreach using natural language processing to confirm client interest, qualify readiness, or deliver renewal reminders, which is useful when a brokerage's lapsed list is long but licensed brokers are few. Five9 emphasizes compliance with outbound calling regulations, according to their materials, including TCPA adherence, call recording disclosures, and DNC list synchronization, which matters when calling past borrowers. The platform also offers strong CRM integration so outcomes stay in your existing systems, and real-time analytics for campaign optimization. The tradeoff is operational: this is software you run yourself. Your team manages agents, configures campaigns, and owns the compliance workflow day to day, and pricing requires custom quoting. For brokerages that already run a contact center or have the staff to operate one, Five9 is a credible in-house route to scaled re-engagement calling.
Pros
- Scales efficiently for high-volume calling campaigns
- IVAs handle routine outreach, freeing human agents for complex conversations
- Built-in compliance features reduce regulatory risk
- Real-time analytics enable campaign optimization
Cons
- Requires internal management of agents and campaign configuration
- Pricing is not transparent and requires custom quoting
- Likely overkill for small brokerages with simple re-engagement needs
- Steeper learning curve for teams unfamiliar with contact center platforms
Best for: Mid-to-large mortgage brokerages with existing contact center infrastructure that want to scale AI-assisted outbound calling while keeping compliance and CRM integration in-house.
#4 PropFuel — Contact for pricing
PropFuel is a conversational engagement platform for email and SMS that member-based organizations use to understand why members lapse and guide them back to renewal. Its methodology centers on what the company calls Ask, Capture, Act: targeted questions surface each contact's needs and reasons for lapsing, responses are captured in the platform, and organizations act on those insights with tailored follow-up. For a mortgage brokerage running a client loyalty or referral program, this is a real option if you want to know the reason behind the silence before you pitch the next transaction. According to their website, one PropFuel client study found that 53% of responding lapsed members in 2022 were not even aware their membership had lapsed, which is a communication gap the platform is designed to close. The documented results are notable. PropFuel reports that INCOSE reinstated 1,023 members between September 2022 and December 2023 using its campaigns, and that the American Academy of Pediatrics saw 739 members reinstate through a lapsed-member nurture campaign, yielding what the company describes as an 80% win-back rate. The Association of Legal Administrators saw 61% of enrolled campaign contacts renew over time. The platform also supports SMS touchpoints at key moments, such as grace-period reminders, and encourages ongoing post-win-back dialogue about preferences. One limitation matters here: PropFuel is email and SMS focused and does not run outbound phone calling campaigns. If your re-engagement strategy depends on a live conversation to restart a lending relationship, you'd use PropFuel alongside a calling partner rather than instead of one.
Pros
- Strong documented win-back results across multiple member organizations
- Surfaces the reasons people lapse, not just the fact of it
- Multi-channel email and SMS engagement
- Nurture campaigns extend the conversation after initial interest
Cons
- Email and SMS focused, with no outbound phone calling service
- Pricing is not published on their site
- Designed primarily for associations, so brokerages should confirm fit
- Your team designs and runs the campaigns rather than a managed service
Best for: Mortgage brokerages running membership, loyalty, or client programs that want conversational, insight-driven win-back campaigns over email and SMS.
#5 Glue Up — Contact for pricing
Glue Up is an all-in-one AI-powered association management platform covering CRM, membership management, event management, email marketing, community management, and webinar management. For lapsed member re-engagement, Glue Up provides a structured framework on its website: identify inactive contacts using engagement tracking (event attendance, email open rates, website activity), segment the list by membership level, interests, or past engagement, then run an automated re-engagement email series. The platform's Member Engagement Scorecards help identify inactive contacts for targeted campaigns, and its email marketing tools include templates, merge fields, and an AI Copilot for personalized messaging at scale. Glue Up also emphasizes having a clear campaign goal, reactivation or removal, and cleaning chronically inactive contacts to protect deliverability and sender reputation. Analytics dashboards provide real-time data on open rates, click-through rates, and conversions so teams can refine campaigns. With 2,000+ customers globally managing over 1 million members, and partnerships including NVIDIA Enterprise AI and Cvent, Glue Up is a comprehensive choice for organizations that want re-engagement capabilities embedded in a broader management suite. The obvious limitation for a mortgage brokerage is that it has no outbound calling capability, so phone-based re-engagement would need to run elsewhere. Pricing is not published publicly.
Pros
- All-in-one platform: contact data, events, and email in one system
- AI-powered personalization and engagement scoring
- Clear framework for automated re-engagement campaigns
- Trusted by 2,000+ organizations managing over 1 million members
Cons
- No outbound calling capability for lapsed contact outreach
- Pricing not published publicly
- Broad platform scope may be more than small brokerage teams need
Best for: Brokerages and lending organizations that want re-engagement email automation inside a broader CRM and engagement platform they run in-house.
#6 Brevo — Contact for pricing (Brevo offers tiered plans; re-engagement automation features vary by plan)
Brevo is a general-purpose marketing platform that includes dedicated tooling for re-engaging lapsed loyalty members. According to their help documentation, Brevo lets you set up an automated email campaign to reconnect with lapsed contacts and offer them a special incentive, citing that reactivation campaigns can reduce churn by 5 to 8% and increase overall loyalty activity. The workflow is well documented: identify lapsed contacts by segmenting on last purchase date, last login, or last points redemption, craft a compelling offer, personalize the email with the contact's name and past activity, and automate the campaign so it targets people as soon as they qualify. Brevo suggests targeting previously active contacts first, since they're more likely to respond to incentives. Brevo also provides guidance on frequency and timing, typically one strong relaunch email with an optional follow-up after 7 to 10 days for non-openers. For a mortgage brokerage, this is a practical option if your re-engagement strategy is primarily email-based and you want self-serve automation at low cost: a back-book segment of past borrowers who haven't opened your emails in months could get a renewal-reminder sequence without any manual work. It doesn't provide managed outbound calling, so it works best paired with a calling service if you want live conversations. Pricing is tiered by plan, and re-engagement automation features vary by plan.
Pros
- Well-documented re-engagement workflow that's easy to set up
- Automated segmentation identifies lapsed contacts based on your criteria
- Low-cost, self-serve option compared with agency engagements
- Practical timing guidance for relaunch sequences
Cons
- Email-only, with no outbound calling for re-engagement
- Requires in-house setup and ongoing management
- Re-engagement features vary by plan tier
- Email fatigue is a real limitation when lapsed contacts ignore inboxes
Best for: Small brokerages that want low-cost, self-serve email automation for re-engaging dormant back-book contacts.
#7 Blings — Contact for pricing
Blings is a personalization platform that helps brands re-engage lapsed customers through personalized video content. According to their website, the approach starts from the premise that most win-back campaigns fail because they treat lapsed customers like cold prospects: a discount and a generic subject line. Blings instead renders per-customer video content from a Dynamic Master Template using their MP5 technology, showing each customer their own history, such as last purchase, unredeemed rewards, missed launches, or unused tier benefits. For a mortgage brokerage with a client loyalty or referral program, that means a past borrower could see their own loan history, referral credits, or renewal timing in a short video rather than a mass mailer. The company cites case results including Habit Burger Grill lifting loyalty signups by 47%, Wyndham achieving a 75% lift in email click-through on a personalized year-end recap, and Live Nation VIP driving a 16.6% share rate on a personalized fan video. Their published re-engagement sequence moves from a recognition moment, to a value reminder, to a forward-looking nudge, to an explicit invitation or a respectful exit. The trigger logic can fire automatically when a lapsed signal appears in your data, and responses feed back into the CRM. It's a content-driven alternative to discount-heavy win-back outreach, with no phone calling capability, and pricing is not publicly listed.
Pros
- Highly personalized content without per-customer production cost
- Documented engagement lifts from named brand case studies
- Positions re-engagement around value rather than discounts
- Trigger logic can fire automatically on lapsed signals
Cons
- Video and content focused, with no outbound phone calling capability
- Requires customer data infrastructure to personalize effectively
- Pricing not publicly listed
Best for: Brokerages with loyalty or referral programs that want personalized video content to reactivate dormant clients rather than discount-led email blasts.
Winning back a lapsed borrower or member is the highest-ROI outreach a mortgage brokerage can run, but only if it actually happens. Bain and Company research puts re-engaging a lapsed customer at roughly one-fifth to one-seventh the cost of acquiring a new one, and a phone call is still the channel that gets a real answer about why someone went quiet and whether they're ready to talk rates. The difference between brokerages that recover that revenue and brokerages that watch it walk usually comes down to whether anyone picks up the phone, compliantly, at scale. If you want the calls made for you, with list and consent discipline checked before you spend anything and the full cost quoted before launch, My AI Call Center is the clear fit. Its Lapsed Member Re-Engagement campaigns start at 9 cents per connected minute, the rate is locked for the campaign, and the first campaign review is free. If you already run a contact center, Five9 gives you the dialing and compliance tooling to scale in-house. If you want to understand why clients lapse before you reach out again, PropFuel's question-driven approach is worth a demo. Plan your first campaign at myaicallcenter.app and find out what a structured calling campaign can recover from your dormant back book.
Frequently asked questions
Why are phone calls better than emails for re-engaging lapsed mortgage clients?
Email win-back campaigns are the default for most brokerages, and most go unopened. A phone call lets you hear the real reason a client disengaged, answer questions about rates or renewal timing on the spot, and route unresolved issues to the right broker before presenting a refinance as the only option. The Marketing General 2025 Membership Marketing Benchmarking Report found 48% of organizations used phone calls to re-engage lapsed members, and 35% ranked calls as their top-performing method. Calls also surface intent directly: a borrower who says they're already shopping elsewhere tells you something no email open rate ever will.
What makes My AI Call Center different from other options?
It's a managed service, not software. You buy campaigns that the team runs for you, each scoped around one clear goal and quoted in full before launch. The company only calls approved, permissioned, or reviewed lists, checks consent records before anything launches, and tells you plainly if a list won't support the campaign before you spend anything. Compliance is built in: AI voices are treated as artificial voices under the TCPA with prior express consent required, AI disclosure appears on every call, and opt-outs and DNC requests are honored immediately. Pricing starts at 9 cents per connected minute with the rate locked, and reporting includes disposition codes and routed follow-ups with no invented numbers.
Is it compliant to use AI calling for mortgage client outreach in the U.S.?
AI-generated voices are treated as artificial voices under the TCPA, which means prior express consent is required before placing those calls. Beyond that, campaign requirements vary by location, industry, contact type, consent status, and technology. State-specific quiet hours, day restrictions, and registration rules apply, and mortgage marketing carries additional advertising and communication rules. My AI Call Center bakes AI disclosure, keyword opt-outs, and DNC handling into every campaign and requires script and escalation approval before launch, but the company's own disclaimer is clear: clients are responsible for obtaining appropriate legal guidance before launch.
How much does a lapsed member re-engagement calling campaign cost?
With My AI Call Center, 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, and there are no per-seat charges, no platform bill, and no minimums you didn't choose. The first campaign review is free, so you know the full number before approving. Most competitors in this space, including Five9, PropFuel, Callers.ai, Glue Up, and Blings, do not publish pricing and require a demo or custom quote.
What counts as a 'lapsed' contact for a mortgage brokerage?
It depends on your business, but the common segments are past borrowers whose term is approaching renewal, pre-approvals that never converted, past clients who haven't been in contact for 12 to 24 months, and referral program members who stopped engaging. The important discipline is defining what counts as lapsed before launch, excluding inappropriate records, and confirming you have consent records for each contact. My AI Call Center's Win-Back & Reactivation campaigns typically target 12 to 24 month dormants, and its list review process checks list source and consent before any campaign runs.
Can I combine a calling campaign with email and SMS re-engagement?
Yes, and it often works best that way. My AI Call Center's Database Reactivation Blitz campaigns combine calls, texts, and emails over a structured two to four week window, so a contact gets multiple touches in different channels. Platforms like PropFuel and Brevo handle the email and SMS side well, and Blings adds personalized video, but none of them place outbound calls, so brokerages using those tools typically pair them with a calling service for live conversations.