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.
See if your market is open for the Charlotte founding cohort. Enter a ZIP or county.
Internet leads race you against 4 other LOs. 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.
| Lead source | Cost / lead | Exclusive? | Competition on the lead | Credit-bureau data? | Local intel included |
|---|---|---|---|---|---|
| Shared internet leads | $20–50 | No — sold 4–5x | 4+ LOs, minutes apart | Form data | Form data only |
| Exclusive internet leads | $40–150 | Yes | Every lender they shop | Form data | Form data only |
| Credit trigger leads | Restricted 2025–26 | No | High | Yes — trigger-based | Bureau data |
| Aged lead lists | $0.50–5 | No — resold repeatedly | Everyone before you | Form data | Stale form data |
| BorrowerSignal | $2.50–3.30 | Yes — one LO, ever | None — pre-intent | None — property & market data | Equity, rate era, tenure, score |
Every lead ships with the context to open a real conversation: type, score, territory, the signal that flagged it, and a suggested opening angle. Here's a redacted example of one lead and the CSV your feed exports.
| tier | type | zip | signal | est_savings | score |
|---|---|---|---|---|---|
| A | refi | 28226 | rate_gap | $820/mo | 94 |
| A | cash_out | 28078 | high_equity | $310k eq | 88 |
| B | refi | 28277 | rate_gap | $410/mo | 71 |
| A | refi | 28105 | pmi_window | $180/mo | 66 |
Delivered as an interactive map + CSV export. Owner and full contact detail are unlocked to members only; the sample is redacted and uses illustrative values.
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, never a per-closing or referral fee. Cancel anytime.
Tell us the ZIPs or county you originate in.
We confirm your ZIP + lead type isn't already claimed.
Scored leads arrive as an interactive map + CSV.
Leads refresh on your plan's cadence, with an optional DNC scrub.
Public property and market intelligence — assessment and parcel rolls, recorded instruments, sale history and county life-event feeds — cross-referenced and scored. See our methodology.
No. BorrowerSignal uses no credit-bureau data of any kind. Nothing here is a consumer report, and nothing depends on credit-trigger practices.
No. We are not a consumer reporting agency and provide no credit information. Data may not be used for FCRA-governed eligibility decisions. See compliance.
A given lead is delivered to one loan officer only — never resold. Founding members also reserve their ZIP + lead type against other members.
The full model rebuilds nightly and re-scores every property, so rate-driven signals reflect the latest benchmark rates.
A scored, tiered feed as an interactive map and CSV export — with property, signal, estimated savings/equity, and a suggested opening angle per lead.
Yes — the CSV export drops into any CRM or dialer. You run outreach on your own tools.
Leads are marketing data; you own outreach compliance. Every plan includes an optional federal + NC do-not-call scrub to make that easier.
Yes, anytime. Memberships are flat monthly fees with no contract.
We'll tell you before onboarding and offer the nearest open territory or a waitlist spot for that ZIP.
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.
We use this only to check territory availability and follow up about BorrowerSignal. No credit data is involved, and we don't sell your contact details.
Lead programs live or die on compliance. Here's the short version; the full detail is on our compliance page.
BorrowerSignal is built from property and market intelligence. It is not a consumer report and may not be used for FCRA-governed eligibility decisions.
Members pay flat membership fees for data — never per-closed-loan, never success fees, never referral arrangements.
Leads are marketing data; members remain responsible for TCPA, DNC and advertising compliance. An optional federal + NC do-not-call scrub is included.