Everyone thinks refis are dead... but the data says otherwise. On today's episode of the Loan Officer Breakfast Club, Frank dropped a stat that stunned the room: the national purchase-to-refinance ratio is currently 60/40. That means 40% of funded loans right now are refis—and most loan officers are missing the opportunity.

We dug into the surprising reasons people are refinancing today (hint: it's not just for rate), why rate-and-term is dominating over cash-out, and how to uncover these hidden deals sitting right in your database. We also shared specific messaging strategies and a CRM approach to get those conversations started.

If you're looking to balance your pipeline and tap into the overlooked refi market, this episode is your playbook.