Your bank is losing funded relationships it already earned.
Regional banks between $1B and $10B in assets are generating traffic to their digital product pages every day. Most of it walks away without applying.
This audit finds exactly where that's happening, quantifies the cost, and tells your team what to fix first.
Regional banks have always competed on rates and relationships. Digital product pages were an afterthought: somewhere to put the information, not a system designed to convert a prospect who's ready to act. That worked when people walked into the branch. It doesn't work when they don't.
The gap isn't brand awareness or marketing spend. It's the gap between a customer who found you and one who applied.
"The acquisition system isn't broken because the bank is bad at banking. It's broken because the digital layer was never designed to easily acquire customers online."
Before developing the Product Signal Audit, I reviewed the public-facing loan and deposit pages of 79 Texas regional banks between $1B and $10B in assets, their product pages, how they prompted customers to take action, what rate context they offered, and whether they had any system for following up with prospects who left without applying.
Six patterns appeared in nearly every institution reviewed. Not as isolated weaknesses. As structural gaps in how regional banks are set up to attract and convert borrowers online.
The research is free. No form required.
Read the full reportBefore reviewing loan pages, I spent two and a half years building the internal systems that regional banks are still trying to fix.
I led the team that built the first digital payments application for Custody and Collateral Management at a regional bank, replacing a workflow that had been enabling $60M in fraud exposure over three years. That project required understanding exactly how the gap between what the bank intends and what customers actually experience forms inside a financial institution.
That's what I'm looking for when I audit your loan pages. Not just what's missing on the surface. What the organization has quietly accepted as the way things work.
"I've been on the inside of how these gaps form. That's different from reading about them."
A 90-minute working session with your leadership team. I walk through every finding, the revenue cost attached to each, and the sequenced roadmap for addressing them. You ask questions. We leave with a shared, specific action plan, not a report to decipher on your own.
This is the session where the audit pays for itself. Every finding lands with context. Every recommendation lands with a priority.
Loan officers spend their time with qualified borrowers, not education calls with prospects who found a rate table, didn't understand the product, and aren't ready to apply. The calls that happen are better. The ones that shouldn't happen don't.
Applications move faster because prospects arrive already knowing their likely eligibility, their likely rate range, and which product fits their situation. The bank isn't educating them from zero. It's confirming what they already understand.
And instead of funding whoever happens to apply this month, the bank has an active pipeline of borrowers at different stages, some ready to apply now, some being pulled forward. That's the difference between a bank that reacts to applications and one that generates them.
I run two bank engagements at a time. The fit call is 30 minutes, enough to confirm whether this is the right engagement for where you are. If it isn't, I'll tell you what is.
Book a 30-Min Fit CallIf the audit delivers fewer than three specific, actionable acquisition gaps your team can begin addressing in the next 90 days, I'll return 20% of the engagement fee. Every bank we've reviewed has had at least six.
