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In an industry where fractured technology stacks and rising operational costs are the norm, Remarkable Mortgage — powered by Oconee State Bank, an FDIC-insured institution — is setting a new standard by leveraging CANDID’s industry-leading sales and mortgage marketing operating system. With a 30% increase in business from 2023 to 2024 and ambitious plans for 50% growth in 2024, Remarkable Mortgage’s success story highlights the power of replacing a fragmented tech stack with a single, unified platform built for the modern mortgage industry.
CANDID: Transforming the mortgage experience
Unlike traditional solutions that require LOs to juggle multiple systems and logins throughout their day, CANDID centralizes sales, marketing, recruiting and team functions into one streamlined platform. For organizations, this means reduced complexity, increased automation, and up to 43% savings in vendor management costs — allowing them to reinvest in growth and performance.
CANDID was designed by mortgage professionals for mortgage professionals. Top-producing LOs using CANDID report an average 26% increase in production within the first six months, thanks to the platform’s ability to reduce manual tasks and optimize every part of the borrower journey.
“CANDID was the technology behind my personal production growth from $6 million per year to $250 million per year,” shared one CANDID user.
For LOs, that kind of growth is powered by features that go far beyond CRM basics. CANDID’s conversion optimization tools help turn more leads into closed deals through intelligent automation and timely follow-up. As part of its robust client retention automation ecosystem, CANDID also includes AI-driven Refi Engagements that proactively monitor borrower data, identify more than 16 different types of refinance and savings opportunities, and engage clients at exactly the right moment — without requiring the LO to lift a finger.
CANDID’s advanced SMS and portal direct messaging capabilities are meticulously woven into the operating system, enabling seamless communication, document management, and referral workflows. Users can securely save media, like a driver’s license photo, directly from the SMS window into RIN, CANDID’s native drag-and-drop document manager. LOs can send video messages, engage borrowers and transaction partners via group SMS, and leverage dynamic content to create high-impact, personalized communications. Key links to the mortgage app, reviews site, and portal are built into the SMS interface, streamlining workflows and speeding up responses.
“What you’ve built is no comparison to anything on the market currently,” said Charlie Flemming, a top-producing CANDID user.
Remarkable Mortgage: Reducing costs and accelerating growth
Before implementing CANDID, Remarkable Mortgage relied on a complex, disconnected tech stack that slowed operations, capped production, and increased costs. By consolidating their systems into CANDID, the company:
- Streamlined operations, eliminating vendor sprawl
- Lowered technology spend, redirecting budget into LO growth initiatives
- Enabled greater LO productivity, allowing more focus on relationships and revenue
With CANDID’s automated workflows, refi engagement engine, and communication tools, Remarkable Mortgage built a scalable model that not only supports its current LOs — but positions them to thrive in a competitive, high-volume market.
A model for the future of mortgage lending
As the Spring homebuying season approaches, Remarkable Mortgage is positioned for another record-breaking year. The partnership with CANDID demonstrates how modern mortgage organizations can transform operations, enhance LO productivity, and drive significant growth by adopting a centralized, fully integrated operating system.
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