Choose Track My Trail over MyLoanBook when you want to explain paid commissions and turn missing trail into a client-review queue. Choose MyLoanBook when you already use its founder-led LMG workflow and want to retain its manual review and repricing board.
Track My Trail combines commission analysis with scheduled reviews and, with each client’s consent, current loan data through open banking. MyLoanBook’s feature page describes statement analysis alongside manual tasks and lender-offer tracking. A rate review and a missing-payment investigation have different outcomes, even when they concern the same loan.
The Back-Book Decision
Track My Trail is the stronger fit for brokers who want one account of their income and the clients behind it. Upload two monthly aggregator reports to Quick Analysis and see which loans changed, which clients dropped off and how those movements affect trail. It adjusts comparisons for month length, so a shorter payment period does not automatically look like worsening performance.
With opt-in Trail History, Missing Trail Analysis separates trail that stopped and later returned from discharged loans. Commission Verification matches upfront payments with the trail expected within two months. These checks give you a payment history to investigate before deciding whether a client needs a retention call.
Client reviews are part of that workflow. Refinance Finder queues active loans settled more than two years ago, ordered by settlement age and balance. A settlement-month filter supports recurring reviews, and a reviewed loan returns after 90 days. With client consent, open banking adds the current rate, balance and offset beside the commission figures. Lender Rates compares published products from 121 lenders.
MyLoanBook is also a statement-based back-book tool. Its feature page describes lost-trail comparisons, runoff tracking and a client view rebuilt from each statement. Pro adds review scheduling around settlement, fixed-rate expiry and interest-only conversion. Its manual repricing board records progress from client contact to the lender’s offer and confirmed outcome.
The deciding task is what you need to complete. Track My Trail connects paid-commission checks with review priorities and current client loan data. Retaining MyLoanBook makes sense when an existing LMG team already manages its manual review tasks there and wants continuity in that process.
Trail Leakage and Client Reviews
Track My Trail identifies income changes from the commission reports you upload. Quick Analysis shows clients added or lost and large balance movements. Missing Trail Analysis uses stored history to distinguish payment gaps from loans that left the book. That difference helps you decide whether to contact the aggregator or the client.
MyLoanBook’s feature page describes month-to-month trail, upfront and discharge tracking, alongside lost-trail and missing-run reviews. Its client view includes the statement balance and an estimated balance net of offset. Its security page describes the LMG statement parser as the current adapter. These are statement-derived observations, so a stopped payment still needs investigation.
Consider an illustrative lost-client event. A client’s loan appears in one LMG commission report and disappears from the next. In Track My Trail, compare those reports and inspect the missing loan’s history. The next action depends on the reason for the disappearance.
- If the loan remains active, raise the payment gap with the aggregator using the affected loan reference and periods.
- If the client discharged or refinanced elsewhere, record that outcome and review why the relationship ended.
- If later trail reappears, inspect the intervening gap separately from the resumed payments.
MyLoanBook’s documented statement comparison can surface the same kind of stopped-trail event. Its manual review workflow can then hold the broker’s task and outcome. A repricing board tracks the client conversation and lender offer. Payment evidence establishes whether a commission gap has been resolved.
An alert is an investigation opportunity. Recovery occurs when the missing commission is paid. A completed client review records the retention work, and its result depends on the client’s decision and the lender’s response.
Statements, Setup and Ongoing Work
Both products start with uploaded commission statements, so your reporting routine determines how recently each book has been analysed. Track My Trail adds client-consented open banking data for loan reviews. MyLoanBook describes manual statement imports and assisted historical preload during founder-led access.
| Setup or ongoing task | Track My Trail | MyLoanBook |
|---|---|---|
| Statement sources | Native formats include AFG, LMG, SFG, Finsure and Connective, plus other supported aggregators. Generic CSV and PDF to CSV cover other statements. | Aggregator page marks LMG as supported now. Other named formats have a 24-hour setup offer. |
| Upload effort | Quick Analysis needs two monthly CSV, XLS or XLSX reports. Trail History accepts up to 24 monthly reports at once. | Manual spreadsheet upload. Assisted historical preload is available in founder-led access. |
| Refresh routine | Upload new commission reports. Historical Analysis reuses stored periods. Client-consented loan data shows its last update. | Upload each commission run. The feature page labels prospective commission-email ingestion as planned. |
| Storage and access | Quick Analysis stores nothing. Trail History is opt-in and encrypted, with client names and loan references encrypted again. Sign in through Google, Microsoft or Facebook. | Security page describes private statement storage, database isolation by broker and mandatory authenticator-app sign-in. |
| Brokerage access | Trail by Broker is on every plan. Elite Suite includes the owner and four teammates with separate logins and up to five books. | Complete lists three writing brokers and three support users. Team onboarding is assisted while multi-user controls undergo validation. |
| Follow-up work | Investigate payment gaps, contact clients and record review outcomes. Refinance Finder supports a reviewed mark and CSV export. | Investigate flagged income changes and progress manual reviews or repricing tasks. Provider email and SMS delivery remain planned. |
With Track My Trail, the monthly upload keeps commission analysis grounded in what the aggregator reports. Open banking adds loan information only with the client’s consent. A current-rate comparison does not submit a lender repricing request. The broker still handles that request and records the outcome.
MyLoanBook’s security page says uploaded statements containing more than one broker’s data are refused. Its pricing page describes Complete as the multi-broker package with assisted onboarding. For a firm-wide statement, those import and access arrangements affect the work needed to establish each broker’s book.
Pricing and the Brokerage Fit
Track My Trail has monthly or yearly billing, with GST included. Excel Escape includes Quick Analysis. Pro Performance adds two years of Trail History and Historical Analysis for one trail book. Elite Suite adds full history, up to five books and team access. See the Track My Trail plans and current prices for the subscription that matches your brokerage.
MyLoanBook publishes founding packages for Trail Analysis, Pro and Complete. Its listed amounts exclude GST, with GST-inclusive totals also shown. Trail Analysis covers one writing broker. Pro adds one support user, while Complete includes three writing brokers and three support users. The pricing page describes larger Complete packages by agreement.
MyLoanBook’s terms say access is founder-led and production billing is not enabled. Future paid subscriptions are described as monthly with no annual plan or fixed-term lock-in. Planned client portals and white-labelled outputs remain separate from the available manual workflow.
Track My Trail monthly plans can be cancelled at any time. Yearly billing pays for 12 months upfront, and cancelling stops the next renewal. You can change plans or billing from the account page. Track My Trail has a 7-day free trial with no credit card.
Choose Track My Trail if your priority is to trace missing income, organise recurring reviews and analyse several books without rebuilding spreadsheets. Its commission and trail-book analysis joins those jobs in one workflow. You retain responsibility for resolving payment queries and following through with clients.
Keep MyLoanBook if your team already uses its manual LMG review and repricing process and wants to preserve that work. Its task and offer history can remain useful while Track My Trail handles the wider commission analysis. Running both means maintaining two statement-upload routines and deciding where staff record the final outcome. If you are choosing a new system, Track My Trail covers the commission investigation and recurring-review work together.
