Uplist Reports Surge In Recapture Adoption As Lenders Gear Up For Refi Market
Uplist, a provider of borrower engagement and portfolio intelligence technology, announced that users of the company’s Recapture refinance analysis and automation platform increased by 60% during the third quarter of 2025 and more than 700% over the past year. Recapture now tracks more than $100 billion in active loans and has identified $4.7 billion in refinance opportunities within the past 30 days alone.
Uplist also expanded its enterprise client base during the third quarter, adding Luminate Home Loans, Security Home Mortgage, Choice Mortgage, Kind Lending, USA Mortgage, Vellium, and NOVA, among others.
“Interest rates are expected to trend lower next year, and smart lenders and servicers are getting ahead of that curve now,” said Jeff Bell, Uplist founder and president. “With Recapture, they can identify refi-ready borrowers, boost retention, and scale efficiently without adding to headcount. When volumes rise, the lenders who have automation already in place will be positioned to win.”
Uplist Recapture™ continuously scans lenders’ portfolios and live pricing to identify borrowers with a clear net benefit. It then pulls property records and AVMs, calculates closing costs, and evaluates multiple rate scenarios to validate each opportunity. From there, Recapture automatically generates ready-to-send refinance presentations—reducing what is traditionally a manual 30-minute process to a single click.
Bell said Recapture clients have seen as much as a 30% increase in repeat conversions by turning existing relationships into new production. “We know some loan officers who have closed as many as 10 deals in the past 30 days,” he said.
Uplist has also seen strong user growth through its partnership with Optimal Blue, which leverages the company’s technology to power Capture for Originators, a feature available to Optimal Blue PPE users. By integrating Uplist’s data-driven automation with Optimal Blue’s product, pricing, and eligibility (PPE) engine, Capture for Originators gives loan officers a faster, more accurate way to identify borrower savings and deliver personalized refinance offers.
Uplist recently introduced new Recapture enhancements ahead of the MBA Annual Convention, including a suite of expanded automation tools and features designed to optimize portfolio insights and performance tracking.
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