NEW LICENSE · Sarah M. · RE/MAX Fairfield · Score 94·EQUITY SIGNAL · R. Haines · 52% equity · Rate delta 1.1%·INVESTOR ALERT · DK Properties · 4 assets · DSCR eligible·BROKERAGE SWITCH · J. Torres · Coldwell → Compass·NEW LICENSE · A. Li · KW Hartford · Score 71·EQUITY SIGNAL · M. Reyes · 61% equity · Cash-out candidate·HIGH MOMENTUM · T. Park · 12 closings · 90-day velocity ↑·INVESTOR ALERT · Sunrise Ventures · 7 properties · New Haven·NEW LICENSE · D. Chen · Sotheby's Greenwich · Score 88·EQUITY SIGNAL · B. Thompson · 44% equity · HELOC eligible·NEW LICENSE · Sarah M. · RE/MAX Fairfield · Score 94·EQUITY SIGNAL · R. Haines · 52% equity · Rate delta 1.1%·INVESTOR ALERT · DK Properties · 4 assets · DSCR eligible·BROKERAGE SWITCH · J. Torres · Coldwell → Compass·NEW LICENSE · A. Li · KW Hartford · Score 71·EQUITY SIGNAL · M. Reyes · 61% equity · Cash-out candidate·HIGH MOMENTUM · T. Park · 12 closings · 90-day velocity ↑·INVESTOR ALERT · Sunrise Ventures · 7 properties · New Haven·NEW LICENSE · D. Chen · Sotheby's Greenwich · Score 88·EQUITY SIGNAL · B. Thompson · 44% equity · HELOC eligible·
For Licensed MLOs
Available in CT · NY · MA · NJ · MI · FL · TX

Find them. Close them.
Keep them forever.

Vicario is a triple-mode OS built for mortgage loan officers. Find agent referrals and equity leads every morning. Execute deals faster. Protect your past-client database from competitors — automatically.

GrowFind new partners
CloseExecute deals faster
KeepDefend your database
Start Free, No Card RequiredSee It Live →
✦ No long-term contracts✦ TCPA & CAN-SPAM compliant✦ 14-day free trial
🌱 Grow Mode
Find your next agent referral every morning
Aria prepares your briefing before you log in. New licenses, equity signals, investor activity — scored and ranked across your market.
Briefing Room · 6:02 AM
SM
Sarah Mitchell
RE/MAX · New license today
94
RH
R. & W. Haines
52% equity · Rate delta 1.1%
87
JT
James Torres
Brokerage switch · Compass
88
✦ 3 equity leads near your top agents today.
0+
Agents Tracked
Updated nightly
0+
Signals Processed
This month
0%
Outreach Delivery Rate
Authenticated sends
Lead Intelligence

Three Lead Types.
One Intelligent Platform.

Vicario doesn't just find agent referrals. Every morning, Aria, your platform's built-in intelligence layer, scores and ranks agent leads, equity opportunities, and active investors in your market. You log in to a prioritized briefing, not a spreadsheet.

◎
Agent Leads
Build Your Referral Network

Newly licensed agents have no lender relationships yet. Reach them in the first 7 days and those habits last a career. Aria finds them the morning their license appears in the public registry.

  • ✦ New license alerts, daily
  • ✦ Brokerage switch detection
  • ✦ Contact Priority Score
⬡
Equity Leads
Find Refi & HELOC Opportunities

Homeowners sitting on 40%+ equity with above-market rates are your next refi pipeline. Aria scores them by equity percentage, rate delta, and loan age, delivered every morning.

  • ✦ Equity & rate delta scoring
  • ✦ HELOC eligibility signals
  • ✦ Cash-out refi opportunity flags
  • ✦ Neighborhood-level filtering
  • ✦ Export to CSV for targeted outreach
◆
Investor Leads
Reach Active Real Estate Investors

Portfolio owners acquiring in your market are repeat borrowers. Aria surfaces them by acquisition velocity, DSCR eligibility, and portfolio size, before your competitors notice.

  • ✦ Acquisition velocity scoring
  • ✦ DSCR eligibility detection
  • ✦ Portfolio size & growth signals
  • ✦ No-lender-on-file detection
  • ✦ Cash-out potential scoring
Aria, Your Intelligence Layer
Aria Runs Through Everything

Aria is the intelligence thread connecting every part of your day. It prepares your morning briefing, surfaces the right leads at the right time, and answers borrower scenario questions using current program guidelines. One AI layer, built for MLOs.

✦
Ask Aria, Scenario AI
CT lender guidelines · Live
Active
U
Self-employed borrower, 2 years in business, 680 FICO, 20% down, $485k purchase in Stamford.
A
Good fit for Conventional with a non-QM overlay or bank statement program. At 680 FICO and 20% down you clear most lender minimums, the key question is how income is documented. If you have 24 months of bank statements showing consistent deposits, several CT lenders have bank-statement programs that work well here. Next step: Confirm whether they file taxes showing the full income or need alternative doc.
Your Agent Team
Built-In Intelligence, Always Working

Aria leads the intelligence layer, while specialized agents run in the background — handling outreach, scoring, and retention monitoring so you don't have to.

◈
EchoACTIVE
Manages your outreach cadences — SMS, email, compliance windows, and opt-out suppression. Sends when the contact is most likely to respond.
◉
ScoutACTIVE
Runs nightly to score every agent on momentum, recency, and engagement. Your lead list is ranked every morning without any manual work.
◎
PulseACTIVE
Monitors your entire past-client database nightly for equity triggers, rate-drop windows, and credit activity — so you never miss a retention opportunity.
How It Works

How Loan Officers
Use Vicario Every Day.

Vicario is organized into three modes — Grow, Close, and Keep — that match how MLOs actually work. Aria runs in the background connecting all three.

MORNING, GROW MODE
MARKET SCAN
94
81
78
62
71
1
Morning, Grow Mode
Aria prepares your briefing before you log in. New agents, equity signals, investor opportunities, scored and ranked across all three lead types. Your first 5 minutes are your most productive.
2
Prioritize & Act
Every agent is scored and ranked by contact priority. New licensees surface first — reach them in the first 7 days and those habits last a career. Established agents are ranked by momentum so you always know who to call next.
3
Throughout the Day, Close Mode
When a lead becomes a deal, switch to Close. Track borrowers through your pipeline. Ask Aria any scenario question — self-employed income, DSCR ratios, gift fund guidelines — and get answers grounded in real local lender programs.
4
End of Day
Pipeline updated. Outreach running. Social content queued. Tomorrow's briefing already being prepared. Vicario works while you don't.
5
Keep Mode — Always On
While you sleep, Vicario monitors your past-client database. Equity thresholds, rate drops, credit improvements — when a past borrower is ready to move again, you'll know before they call another lender.
Pricing

How Much Does Agent Intelligence Cost?

No setup fees. No hidden costs. 14-day free trial, no card required.

✦

Vicario Intelligence at $49/mo replaces three separate tools — a lead source, a CRM, and a retention platform — in one system built specifically for mortgage loan officers. Less than most single-purpose tools, with everything in one place.

Intelligence-First
Intelligence
$49/mo
14-day free trial · No card required
  • ✦ All three modes: Grow, Close & Keep
  • ✦ Agent Intel — daily new license feed
  • ✦ Momentum scoring — MLS-verified producers
  • ✦ Briefing Room — morning intelligence
  • ✦ Borrower Pipeline CRM
  • ✦ Document checklist tracker
  • ✦ Aria AI — scenario research
  • ✦ Equity, rate-drop & credit alerts
  • ✦ Client retention database
  • ✦ 1 seat included
Start Free Trial

Cancel anytime · No long-term contract

Enterprise
Custom
Teams & brokerages
  • ✦ Everything in Intelligence
  • ✦ White-glove onboarding
  • ✦ Custom integrations & API access
  • ✦ Dedicated success manager
  • ✦ Unlimited seats
  • ✦ SLA & compliance documentation
Contact Sales

All plans cancel anytime.

Your Next Agent Relationship
Starts This Morning.

Join MLOs building referral networks, finding refi opportunities, and closing more loans, without the grind.

Start Free Today

Common Questions

Everything you need to know before getting started.

Data Transparency
366,000+
CT MLS transactions
8+
States covered
9,500+
active MLOs tracked
Weekly
SmartMLS refresh
TCPA
& CAN-SPAM compliant