Methodology
BorrowerSignal is a data pipeline, not a purchased list. Every night we rebuild a model of the Charlotte-metro housing stock and re-score each homeowner for borrowing intent. Here's how, at a level that's useful without giving away the recipe.
Source categories
- Assessment & parcel rolls — ownership, valuations, property characteristics, and transfer history for every parcel in coverage.
- Recorded instruments — deeds and financing instruments that indicate when and roughly how a home was financed.
- Sale history — arms-length sale dates and prices, filtered to exclude nominal and non-arms-length transfers.
- Public life-event feeds — county records of events that often precede a financing need.
- Rate benchmarks — published weekly mortgage-rate benchmarks used to estimate each owner's financing-era rate.
Signals we engineer
- Rate gap — estimated difference between an owner's financing-era rate and today's rate.
- Equity & tenure — modeled current value versus purchase price and amortization stage.
- Occupancy class — owner-occupant versus investor, from mailing-vs-situs and portfolio linking.
- Life-event flags — distress and ownership-change indicators where public data supports them.
Scoring
Signals are weighted into a 0–100 score and bucketed into tiers (A = call now, B = watch). The weighting balances opportunity size against likelihood to act, and low-confidence or junk records are filtered out. Exact weights and thresholds are proprietary.
Freshness
The full model rebuilds nightly and re-scores every property, so rate-driven signals reflect the latest benchmark rates. Territory feeds are delivered as an interactive map and CSV.
Honest limits
Estimates are estimates. Financing-era rates are modeled from public timing, not disclosed loan terms; equity is modeled, not appraised. We publish coverage as Charlotte-metro NC and don't claim data we don't have.