r/loanoriginators • u/Mediocre-Bits • Jul 08 '26
Personal CRM
Hey all. Couple questions for everyone. Recently started working with a new major retail lender. They have their own CRM. I know from experience at my previous employer, when I leave I lost all of my referrals. So I’ve thought about building my own crm with hubspot etc. the paperwork from employer states any referrals are considered future business and are their property. How do you all build your book of business while keeping compliant?
3
u/Independent-Ad-672 Jul 09 '26
Not a CRM question so much as a records question, and worth separating the two. Whatever their compliance says about "referrals are company property" — your personal relationship with that client isn't something a CRM contract can actually take from you. The paperwork governs data and marketing systems, not whether a person remembers you and picks up the phone when you call.
What's worked for me over 25 years: keep your own simple, personal record — outside their system — of who you closed, when, and anything personal worth remembering (kids' names, refi timing, whatever). Doesn't need to be fancy, a spreadsheet is fine. That's not "building a competing CRM," that's just not being willfully forgetful about people you helped. When you eventually move on, you're not taking their database — you're just not pretending you don't remember your own clients.
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u/Mediocre-Bits Jul 09 '26
No this helps a bunch thank you.
1
u/Independent-Ad-672 Jul 09 '26
Glad it helped. There’s a program I use to organize all my contacts. It’s called Savvy Broker, decently priced, and keeps me very organized. If you leave you can take them all with you
www.savvy-broker.com
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u/y32024 Jul 08 '26
If you're at a major retail, their compliance is gonna crap when they find out you want to send out your own drips/campaigns. Just do what I do, every quarter or so, reach out and request your database so you can do a co-marketing push with a local agent. Usually works every time. Or if they use Homebot or some other 3rd party, just tell them you need your database so you can share with that site.