Understanding SmartScore Alerts, Actions, and Custom Configurations

Your Usherpa Dashboard is powered by Usherpa's SmartScore algorithm— a proprietary AI-driven feature designed to help you identify which past clients may be more likely to be back in the market for a new purchase or refinance.

EXCLUSIVE TO USHERPA MEMBERS:

• AI SmartScore Alerts are displayed on your Dashboard and in the UsherpAlert mobile app
• Six alerts are displayed at a time on your dashboard for easy reference. Click on "More Details" to see the complete list of alerts.
• Mark alerts you don't want to take action on with 'Dismiss' OR take an action — call, email, text, etc. — and mark the record as 'Complete' when you're ready
• You'll be given new AI SmartScore Alerts on your dashboard each time you mark one as dismissed or completed

Here’s how it works:

We run your past closed loans through our SmartScore algorithm, which evaluates a variety of data points such as:

• Length of time in the home
• Estimated loan-to-value (LTV)
• Geographic location (ZIP code)
• Other key consumer behavior indicators

Rate Change from Origination is based on the Optimal Blue Mortgage Market Indices™ (OBMMI™) which is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes. Each index is calculated as the average of all appropriate rate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. More details about methodology and definitions are available here.

These alerts are designed to give you an edge, not an obligation. You decide whether or not to reach out — and if an alert doesn’t feel relevant, you can easily dismiss it.

Want even more control? You can adjust the SmartScore algorithm settings at the loan officer level within your own Usherpa account. Fine-tune the thresholds and criteria to better align with your market, strategy, or personal preferences — so the alerts you see are even more tailored to your business. 

• Login to your Usherpa account.
• Find your SmartScore alerts on your Dashboard. Select "More Details" at the bottom of the SmartScore box.
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• Select “Edit Smart Score Config” on the right-hand side of the page.

• You can edit your configuration here:

In the below example, the two 'Adjustments' are adjusting the current rate pulled from OBBMI, either up or down. For example, if you set it to 0.25% and today's published rate is 6.0%, then your current rate trigger would be 6.25%.

In the 'Rate Change' fields, the default is set to a 0.5% Rate Change setting, but you can opt to override our 0.5% with a custom setting if you choose.

The ‘Rate Change’ fields in the screenshot below are the difference between a borrower’s existing loan note rate and the current rate.

EXAMPLE 1:

Note Rate: 7.5% 
Adjustment: 0.25% 
Daily Published Rate: 6.0% 
Adjusted Rate Trigger: 6.25% (6.0% + 0.25%) 
Rate Change: +0.75% 
Resulting Rate: 7.0% (6.25% + 0.75%)

Since 7.0% is less than the 7.5% note rate, an alert would be generated for this loan.

EXAMPLE 2:

Note Rate: 6.5% 
Rate Change: +0.75% 
Resulting Rate: 7.0% (6.5% + 0.75%)

Since 7.0% is greater than the 6.5% note rate, NO alert would be generated for this loan.

 FAQs

1. What is SmartScore? 
SmartScore is Usherpa’s proprietary AI-powered algorithm that identifies past clients who are most likely to be back in the market for a new home purchase or refinance. It analyzes key indicators to surface actionable alerts right on your dashboard.

2. Where can I find SmartScore Alerts? 
You’ll see up to six SmartScore alerts at a time on your Usherpa Dashboard and in the UsherpAlert mobile app. To view the full list, click "More Details" in the SmartScore section of your dashboard.

3. What should I do when I see an alert? 
You can:

• Take action (call, email, text, etc.) and mark the alert as Complete
• Choose Dismiss if the alert isn’t relevant 
  Once dismissed or completed, a new alert will automatically appear to replace it.

4. How is the Rate Change calculated? 
Rate Change is based on Optimal Blue Mortgage Market Indices™ (OBMMI™). It compares the borrower’s original note rate to today’s adjusted rate (current OBMMI rate + your configured adjustment).

5. Can I override the default Rate Change setting? 
Absolutely. The default is 0.5%, but you can change it to suit your own criteria from the Edit Smart Score Config section.

6. What happens if I do nothing with an alert? 
Nothing at all—alerts are designed to give you an edge, not an obligation. You're free to act, dismiss, or ignore based on what’s best for your workflow.

7. Who has access to SmartScore Alerts? 
This feature is exclusive to Usherpa members, both on desktop and in the UsherpAlert mobile app.