What We're SeeingAcross Lenders and Insurers.

78%

Of borrowers only talk to 1 or 2 lenders before choosing.

What it meansThe deal is decided before most lenders reply. Speed decides who gets into the comparison at all, then the better answer decides who wins it.

22 of 100

Home loan applicants walk away on their own.

What it meansIn the conversations we run, 1 in 4 mortgage leads that go quiet answer again after a follow-up. A big part of "lost" files is follow-up that stopped too early.

#1

Rate is the first thing borrowers ask about.

What it meansRate is the only thing a borrower (or their agent) can compare line by line. Lenders who answer with the full picture, payment and cash to close, stop being 1 line in a spreadsheet.

82%

Of borrowers reply during weekday working hours.

What it meansLeads arrive at night, decisions happen in the day. The win is being ready the moment they reply.

56%

Of people who start an auto-loan pre-qualification never finish it.

What it meansThe credit step is where intent meets fear. The lender who explains the step in the moment keeps the applicant. The one who sends a reminder email loses them.

1 in 6

Personal loan borrowers don't compare offers at all. They take the first clear one.

What it meansFor a big group of borrowers, the first clear offer is the only offer. Being first and being clear is the whole game.

93%

Of deals that close were reached by the 6th call.

What it meansMost teams quit at 2 or 3. The deals between attempt 3 and 6 go to whoever is still there.

23%

Of companies never reply to a web lead.

What it meansA quarter of your competitors take themselves out of the race. That share only grows when agents do the asking.

3.5quotes

Quotes per car insurance shopper, and 77% only look at 1 or 2 insurers.

What it meansShoppers think they compare widely. In practice the first 2 insurers to respond take the decision.

56%

Of shoppers who reply bring up price first.

What it meansPrice is the opening move. Teams that lead with a discount train buyers to ask for more. Teams that reshape the cover keep the margin.

17%

Only reply on the 4th follow-up or later.

What it meansA 3-touch rule hands almost 1 in 5 replies to a competitor.

1 in 5

Shoppers who reply ask for a call.

What it meansThey're close. Turning that request into a booked time in the same thread is where many binds are won or lost.

1 in 4

People would give up opening an account if the ID check is slow.

What it meansKYC is a sales moment. Explaining why a document is needed keeps the trader.

2x

More people reply when the first message lands within 5 minutes of signup instead of the next day.

What it meansA new trader is comparing apps right now. The first useful message frames every one after it.

30%

Of CFD traders name spreads as a reason they chose their broker.

What it meansTraders compare one number because it's the only one they can see. Showing the full cost changes the comparison.

93%

Of deals that close were reached by the 6th call.

What it meansUnfunded signups are often still undecided after 2 calls.