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RETR Agent Loyalty and Opportunity Alerts: How Loan Officers Track Real Estate Agent Relationships

 RETR’s Loyalty Alerts and Opportunity Alerts show loan officers (LOs) which real estate agent relationships are strong, which are at risk, and which have room to grow. Both tools are on your RETR Dashboard, and their scores are calculated from verified closed transaction data. 

 

 

What Are Loyalty Alerts in RETR?

Loyalty Alerts flag the real estate agents who may be moving their business from you to another loan officer.

 

What does each Loyalty Alert show?

Each Loyalty Alert includes:

  • Loyalty score: how strong your relationship with the agent is today.
  • Risk score: how likely the agent is to move business to another loan officer.
  • Recommendation: either Act now or Watch.
  • Competing loan officer: the loan officer the agent may be shifting toward.
  • Loan and buyer volume: how much business the agent is doing.

What’s the difference between “Act now” and “Watch”?

Act now means the relationship needs attention soon, so contact that agent first. Watch means there are early signs of risk worth keeping an eye on.

How to use Loyalty Alerts to protect agent relationships

  1. Start with agents marked Act now.
  2. Use loan and buyer volume to decide which agents matter most to your business.
  3. Check the competing loan officer so you know who you’re up against before you reach out.

What Are Opportunity Alerts in RETR?

 Opportunity Alerts are the flip side of Loyalty Alerts. They show agents where you are currently the #2 loan officer and have a real shot at becoming #1. 

What does each Opportunity Alert show?

  • The incumbent: the loan officer who is currently the agent’s #1.
  • Your momentum: how your business with that agent is trending.

How to use Opportunity Alerts to win new agents

  1. Sort or scan for agents where your momentum is strongest.
  2. Note the incumbent loan officer for each agent.
  3. Plan your outreach so you’re positioned to win more of that agent’s business.

Where to Find Loyalty and Opportunity Alerts in RETR

Both alerts appear at the top of your RETR Dashboard. Each one also has its own page: the Agent Loyalty Monitor and the Agent Opportunity Monitor.

  • ✅ You can click any agent to open their loan history.

What Do Agent Loyalty and Agent Opportunity Scores Mean?

Agent Loyalty and Agent Opportunity scores range from 0.0 to 10.0.

  • Agent Loyalty Monitor: a higher score means the agent is more loyal to you. A low score means the agent isn’t strongly tied to you, which may make them an opportunity for another LO.
  • Agent Opportunity Monitor: a higher score means you’re closer to becoming the agent’s #1 loan officer.

Agent Loyalty score ranges

Score Label
9.0–10.0 Exclusive Loyalty
8.0–8.9 Very Strong Loyalty
7.0–7.9 Strong Loyalty
6.0–6.9 Solid Preference
4.5–5.9 Moderate Loyalty
3.0–4.4 Loose Affiliation
1.5–2.9 Minimal Loyalty
0.0–1.4 No Loyalty

Why Does Real Estate Agent Loyalty Matter for Loan Officers?

Loan officers with strong real estate agent relationships get more consistent, predictable deal flow.

  • Agent Loyalty score of 8 or higher: a reliable referral source.
  • Agent Loyalty score below 4: either untapped potential or an agent who isn’t relationship-oriented.

When you can see agent loyalty across a whole market or territory, you can prioritize outreach, protect existing relationships, and find the highest-value agents to pursue.

How Does RETR Calculate Agent Loyalty and Agent Opportunity?

RETR calculates both scores from verified closed transaction data only. There are no surveys and no self-reported information, only real deals that have closed.

How it’s calculated
Data used The agent’s closed transactions from the past 24 months, on a rolling window
Agent Loyalty How concentrated that history is around a single loan officer
Agent Opportunity Whether a second loan officer’s share is growing in the most recent transactions compared with earlier ones
Update frequency Monthly, using all closed transaction data available as of the end of the prior month

Agent Loyalty and Agent Opportunity FAQs

What does a high Agent Loyalty score mean?

A high Agent Loyalty score means the agent consistently sends their business to one loan officer. It signals a strong, active referral relationship built on trust and performance.

What does a low Agent Loyalty score mean?

A low Agent Loyalty score means the agent’s recent deals are spread across several loan officers. It doesn’t mean the agent is disloyal by nature. They may never have found an LO they strongly prefer, which makes them an open opportunity.

How many transactions does an agent need to get an Agent Loyalty or Agent Opportunity score?

An agent needs a minimum number of closed transactions in the past 24 months to get a score. Agents with very little recent transaction history won’t have one.

How often do Agent Loyalty and Agent Opportunity scores update?

Both scores update monthly, using all closed transaction data available as of the end of the prior month.

Can an agent with a 10.0 Agent Loyalty score be won away from their loan officer?

Yes. A 10.0 score reflects the current relationship, not a permanent commitment. Relationships change when loan officers switch companies, become less responsive, or stop delivering value.

Tip: Keep an eye on Agent Opportunity for your own high-scoring agents. If it starts to rise, another loan officer is gaining ground and the relationship may be loosening.

Does the Agent Loyalty score measure loyalty to a mortgage company or a loan officer?

The Agent Loyalty score measures loyalty to an individual loan officer, not a mortgage company. That matches how agent referral relationships work: agents build bonds with people, not institutions. When a loan officer changes companies, the relationship usually follows the loan officer, not the brand.