Identify prospects for:
- Refinances and Cash-Out Loans
- Debt Consolidation
- Home Equity Lines of Credit
- New Home Loans
- No Doc-Low Doc Mortgages
- 100%-125% Financing
- Reverse Mortgages
- Rate and Term Reduction
- Convert Adjustable Rate Mortgages
- Target Specific Lenders
- Permissible Purposed FCRA Compliant Prescreen Data
- List Processing (Data Hygiene, Merge/Purge, etc.)
Following are some examples of data elements that can be used to help you target mortgage leads:
 Refinance prospects – Select from the following for refinance or debt consolidation offers:
-
$100K+ Loan Amount
- Length of residence 2+ years
- LTV Ranges
- Adjustable rate mortgages
- Teenagers in household
- Real Insights ITA Score ranges 660+
- Revolving Bankcard Balance – High and Extremely High
- 2+ kids in the household
- Marital status
- Consumers with second or vacation homes
Debt consolidation or refinance:
- Estimated mortgage payment $2,000+
- $100K + Loan Amount
- Adjustable rate mortgages
- LTV Ranges 1-85%
- Length of residence 2+ years
- Real Insights ITA Scores 500-650
- Revolving Bankcard Balances – any range
Home Equity Prospects – Identify consumers who need lump sun of cash to start a business or pay college tuition or medical expenses, or consolidate credit card debt.
- Estimated Home Equity $20,000+
- Length of residence
- Families with kids ages 16+
- LTV Ranges 1-80%
- In the market for a new/used vehicle
- Real Insights ITA Scores
New Mortgage Prospects: Identify renters with a High Propensity to Purchase Home
- Real Insights ITA Score ranges 660+
- Age 24-45
- Definite renters or MFDU dwellers
- Eliminate mobile homes and condos
- Income $40K+
- Length of Residence 2+ years
No-Doc/Low-doc Mortgages – identify entrepreneurs or self employed, recent immigrants - Real Insights Risk or ITA Score ranges
- Ethnicity
- Small home and office businesses
- Occupation
- Length of residence
100% - 125% Financing Programs – Identify borrowers with good to excellent credit that need cash for home improvements, debt consolidation or major purchases
- Real Insights Risk ITA Score ranges 700+
- New home owners last 12 months
- New credit card activations
Subprime Programs: Debt comes in many forms – credit cards, store cards, car loans, home improvements, college tuition, and medical bills. Identify bad credit and high debt ratios
- Real Insights ITA score ranges <600
- Revolving Bankcard Balance – any range
- LTV Ranges
- Kids in household ages 13+
- Home Equity
- Estimated income ranges $30,000+
Reverse Mortgage Prospects – identify homeowners within specific age ranges that have high home equity:
- Owner Occupied
- Age 62+
- Low LTV
- Assessed home value
Rate and Term Reduction
- Select prospects that have a current mortgage from a high interest rate period
Convert Adjustable Rate Mortgages
- Select prospects with adjustable rate first mortgages from a high interest rate period
PRESCREEN Permissible purpose, FCRA compliant credit-based marketing lists
- Identify prospects who meet your specific financial requirements. Select actual scores, revolving accounts aggregated balance, mortgage amounts, home values. Acxiom Xpress partners with a service bureau that has lender permissible purpose and adheres to all FCRA requirements.
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