BorrowerSignal crunches 842,000+ property records every night — ownership, equity, financing era, tenure and market movement across dozens of sources — and scores every homeowner in your territory for borrowing intent. You get the shortlist. Exclusively.
Claim founding access See the mathInternet leads race you against 4 other LOs. Trigger leads are gone. Aged lists race you against everyone who bought them before you. BorrowerSignal is a different category — borrowers identified structurally, before they raise their hand anywhere.
| Cost / lead | Exclusive? | Competition on the lead | Post-2026 compliant | Local intel included | |
|---|---|---|---|---|---|
| Shared internet leads | $20–50 | No — sold 4–5x | 4+ LOs, minutes apart | Yes | Form data only |
| Exclusive internet leads | $40–150 | Yes | Every lender they shop | Yes | Form data only |
| Credit trigger leads | Discontinued | — | — | Banned for most uses, Mar 2026 | — |
| Aged lead lists | $0.50–5 | No — resold repeatedly | Everyone before you | Yes | Stale form data |
| BorrowerSignal | $2.50–3.30 | Yes — one LO, ever | None — pre-intent | Yes — no credit data at all | Equity, rate era, tenure, score |
This isn't a purchased list — it's a pipeline. Every night our systems rebuild a full model of the metro's housing stock, cross-referencing sources most lead vendors never touch:
Ownership, valuations, property characteristics and transfer history for every parcel in coverage — the ground truth layer.
Deeds and financing instruments reveal when a home was financed, and our verification tier confirms active liens before you ever dial.
Every financing date is mapped to that week's prevailing 30-yr rate — updated weekly against current benchmarks to compute each owner's savings gap.
Purchase price vs. modeled current value vs. amortization = equity position and payoff stage for every owner — the cash-out and PMI signals.
Mailing-vs-situs analysis and portfolio linking separate owner-occupants from investors — so the right pitch reaches the right owner.
Ownership-change events that precede financing needs, sourced from public county systems as they publish.
Volume is worthless without ranking. The scoring model turns raw signals into a tiered, prioritized feed — so the first number your assistant dials is the best opportunity in the ZIP.
Every source is cleaned, entity-matched and joined at the parcel level — one unified record per property, per owner.
Rate gap, monthly-savings estimate, equity position, tenure stage, occupancy class, portfolio size, event flags — computed per owner.
A weighted model scores 0–100 and tiers A (call now) / B (watch). Nominal transfers, non-arms-length deeds and junk records are filtered out.
Your exclusive feed ships as an interactive map + CSV. Dispositions feed back into scoring — your list sharpens monthly.
7%+ era borrowers ranked by monthly savings at today's rate.
Six-figure-equity owners for cash-out, consolidation, HELOC-alternative talks.
2019–22 low-down buyers pushed past 20% equity by appreciation.
Sell-side signals = your next purchase app, before their next lender.
Multi-property and absentee owners with equity to redeploy.
Ownership transitions that precede financing needs — handled with discretion.
You don't need a miracle conversion rate. You need one closing to make the entire year's membership a rounding error. Run your own numbers:
Illustrative math — your comp plan, conversion and market vary. That's exactly what the $49 territory taste is for.
Your pipeline economics stay 100% yours — memberships are flat data-service fees, structured with RESPA §8 in mind. Cancel anytime.
We onboard a small first cohort so every member gets truly exclusive territory. Tell us where you lend; ZIPs are held in the order requests arrive.
Lead programs live or die on compliance. Ours is designed around the rules — not retrofitted to them.
BorrowerSignal is property and market intelligence — never credit-bureau data. Nothing here is a consumer report, and nothing depends on practices restricted by the 2026 trigger-lead reforms.
Members pay flat membership fees for data — never per-closed-loan, never success fees, never referral arrangements.
Leads are marketing data; members own outreach compliance. Every plan includes a federal + NC do-not-call scrub option to make that easy.