Method launches Portfolio Intelligence to transform post-origination monitoring for lenders. Quick summary. Method's Portfolio Intelligence tool solves the post-origination data gap by providing continuous liability monitoring for lenders. By tracking over 90 financial signals without requiring borrower reauthentication, it enables lenders to reduce credit risk, identify upsell opportunities, and save borrowers thousands in avoidable interest through timely debt consolidation offers. How does Portfolio Intelligence solve post-origination blindspots? Portfolio Intelligence provides a continuous monitoring layer that eliminates the need for manual batch uploads or periodic data pulls. By maintaining direct financial connections to over 20,000 institutions, Method allows lenders to track a borrower's full liability profile in real-time. This automated webhook system ensures that lenders are notified the moment a borrower hits a pre-defined financial threshold, allowing for instant strategic intervention. Key features include: * No reauthentication required after initial borrower consent. * Monitoring of 90+ health signals including utilization and payment ratios. * Native integration with existing lender stacks via webhook. What results has Method delivered for mortgage providers? During a rigorous eight-week pilot program with a national mortgage provider, Method demonstrated the tangible ROI of real-time data intelligence. The tool identified a 40% increase in borrowers who qualified for debt consolidation, moving them from high-interest credit cards to lower-rate mortgage products. This proactive approach resulted in: * A $4,000 interest saving per borrower on average. * A 27% increase in HELOC-eligible borrower identification. * Reduction of median card APR from 24% to approximately 7%. How can lenders improve borrower retention and risk management? Lenders can use Portfolio Intelligence to be strategically proactive throughout the customer lifecycle. Since two-thirds of borrowers typically seek additional financing within a year, this tool alerts lenders to strengthening payment behavior before the customer shops elsewhere. Conversely, it acts as an early warning system for credit risk by flagging borrowers who turn off autopay or show rising utilization trends. This allows for personalized re-engagement even for previously declined applicants who now meet qualification criteria. Credit Cards Ff news take: Method's Portfolio Intelligence definitely moves the needle by tackling the 'originate and forget' culture in lending. By providing continuous liability visibility, Method is turning static loan books into dynamic revenue opportunities. The ability to save borrowers $4,000 while simultaneously de-risking the portfolio is a rare win-win. This level of financial connectivity is no longer a luxury; it is becoming the baseline for competitive modern lending. Featured speakers.

MANTL partners with Method Financial to modernize loan refinancing with real-time liability data integrations. Scroll to section. New capabilities will enhance decisioning accuracy, automate payoff processes, and elevate the borrower experience with MANTL Loan Origination Plano, TX - Dec. 16, 2025 - MANTL, an Alkami solution team and a leading provider of loan and deposit account opening technology, today announced a strategic partnership with Method Financial (Method), a provider of consumer permissioned financial connectivity. Through this partnership, Method's real-time liability data will be integrated directly into the MANTL Loan Origination platform, empowering financial institutions to streamline decisioning, improve prequalification accuracy, and deliver a faster, more transparent refinancing and debt consolidation experience across their physical and digital banking channels. MANTL expanded its deposit account opening platform to include loan origination, enabling financial institutions to manage both sides of the balance sheet and meet the rising demand for an integrated digital, automated lending solution. MANTL Loan Origination modernizes consumer and business lending with a unified platform that provides advanced tooling and automation across Know Your Customer (KYC), underwriting, and booking. MANTL is extending its loan solutions to address legacy refinancing challenges, including outdated, static data, and the need for borrowers to manually enter loan details, which creates friction, incomplete applications, and increased risk. The MANTL - Method integration will consolidate real-time liability and payoff data into a single, seamless application workflow, thereby unlocking efficiencies across origination, underwriting, and funding. This will eliminate the need to request payoff letters and manually confirm their authenticity, and banks and credit unions can guarantee the payoff quote is accurate and up-to-date. The integration will also automatically verify that a loan being refinanced is tied to its existing collateral, such as a vehicle or boat, when relevant. "Introducing real-time liability data into MANTL Loan Origination fundamentally elevates the loan refinancing experience for both borrowers and bankers," said Benjamin Conant, chief product officer, Alkami and co-founder, MANTL. "By expanding our ecosystem of best-in-class integration partners like Method, we're able to simplify complex steps, reduce friction, and support faster, more informed loan decision-making. MANTL has already transformed digital lending through automation, and extending that same level of innovation and efficiency to refinancing further highlights our continued momentum in the loan market." "Refinancing has been stuck on outdated rails for far too long," said Jose Bethancourt, co-founder and chief executive officer of Method Financial. "By integrating Method's real-time liability data network directly into MANTL's Loan Origination platform, we're giving banks and credit unions the ability to make instant, accurate decisions and fund loans without the operational drag. Together, we're replacing manual payoff letters and guesswork with transparency, automation, and a modern borrower experience that drives better financial outcomes." About MANTL. MANTL is an Alkami solution team that offers unified account origination technology, empowering banks and credit unions to open loan and deposit accounts seamlessly on any banking channel in real time. MANTL Deposit Origination is among the fastest and most performant solutions on the market; consumers can open a new deposit account in under five minutes, businesses can open a new deposit account in under 10 minutes, and MANTL customers raise billions in core deposits. MANTL Loan Origination simplifies each step in the loan process, automating up to 100% of loan application decisions to ensure an intuitive, feature-rich experience from personal loans to business financing. Founded in 2016, MANTL was acquired in March 2025 by Alkami Technology, Inc. (Nasdaq: ALKT), a digital sales and service platform provider for financial institutions in the U.S. For more information, visit mantl.com or follow MANTL on LinkedIn. About Method Financial. Method's APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without user credentials. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including SoFi, Aven, Bilt, Happy Money, and Figure. Method is backed by Andreessen Horowitz, Emergence Capital, YC, avra, Ardent, and Truist Ventures amongst others. To learn more, visit https://methodfi.com.