Mortgage |
“THE LENDER
FILE”
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This is a “TARGETED LIST” to reach homeowners, in particular second
mortgage/home equity prospects or refinancing homeowners. Included
below is detailed information on the service, descriptions of the
databases, costs to produce such a list and sample homeowner records.
This is exact data from courthouse records.
The Sinclair Company (TSC) provides the following residential databases;
First Mortgage File. This file contains homeowner information dating
back as early as the late 1988—over 50 million properties spread across
50 states. From this database, selections can be made on mortgage
amount, origination date, lendable equity; lender name and current
home values. This database is primarily used to identify homeowners
with equity in their property that are candidates for home equity
loans. It is also used to target certain lenders such as finance companies
or homeowners with specific LTV ratios. This file can also be flagged
for Variable or fixed rates.
Data Source. The source of this information is compiled by a company
that does work for large banks, insurance, escrow, title insurance,
mortgage lenders, mortgage brokers and other companies that do business
with homeowners. Most of their information is derived from trust deeds
and property tax information from county clerks’ and tax assessor
offices. The files are updated monthly with new homeowner records.
Historical updates are done based on the new monthly information.
Every list is processed through address standardization software.
Generally, the customer record layout contains the following information: |
- Name of Homeowners
- Address
- Lender Name where available
- Purchase Price
- Mortgage***
- Interest Rate 7% and above
- Origination Date State/County Code
- Current Market Value *
- LTV Ratio *
- Telephone Number **
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TSC’s fee structure incorporates all of your unique parameters into
a single cost per name. No extra charge for additional selects or
items on the record layout. A 10,000 minimum name order is required
on all mailing list requests. All orders are for one-time use unless
prior arrangements have been made for multiple use (additional charges
apply). For merge/purge and pre-approved applications.
***FHA and VA Loans can be selected by coupon rates. 7 % and above.
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| “WE ARE COMMITED
TO DOING WHAT WE SAY WE WILL DO” |
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| Mortgage
Profiling Credit Data |
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| Basic Mortgage Leads |
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| Multiple Lines of Open Credit |
Yes |
| Confirmed Home Owners |
Yes |
| NCOA Mailabel Address Only |
Yes |
| Length of Residence |
2 – 15+ Years |
| Current Telephone Numbers |
100% |
| Removed “Do-not-calls” |
100% |
| Dwelling Type SFDU |
Yes |
| Presence of Mortgage |
Yes |
| Home Value Range |
100,000 + |
| Age Range |
25 - 60 |
| Income Range |
35,000 + |
| Geographic Range |
National |
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| Premium Mortgage Leads |
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| *Credit Card Balances |
$5,000 + |
| *Satisfactory Rating |
80% + |
| Derogatory Payments |
90 Days + |
| Confirmed Home Owners |
Yes |
| Multiple Lines of Open Credit |
Yes |
| NCOA Mailabel Address Only |
Yes |
| Length of Residence |
2 – 15+ Years |
| Current Telephone Numbers |
100% |
| Removed “Do-not-calls” |
100% |
| Dwelling Type SFDU |
Yes |
| Geographic Range |
National |
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* Excellent alternative to the more expensive
FICO & Beacon scored files that lenders find effective.
* Averaged exact data at the zip+4 level. Summarized Credit Statistics
that drive lift response. |
Homeowner Mortgage Leads
Sub-Prime
Sub-Prime auto prospects also make good home loan refinance candidates.
They are aware that their credit is not perfect and are more flexible
when it comes to interest rates, points, and loan fees they are willing
to pay to obtain financing.
Summarized
Credit Statistics for Marketing Lists
Summarized Credit Statistics are derived from a major national consumer
credit file and are calculated by aggregating the available consumer
credit data down to the ZIP + 4 level. Statistics do not communicate
individual credit histories.
They are averages that typify consumer credit activity in a given
neighborhood. By combining summarized credit statistics with other
demographic selections you can identify the best candidates for your
special offer. Although Summarized Credit Statistics do not relate
individual credit information, some usage restrictions apply. Lists
developed with statistics must be used in a positive or inclusive
manner. The information cannot be used to deny or exclude consumers
from any offer. A sample mail piece or telemarketing script and a
Special Use Rider for Summarized Credit Statistics will be required
to complete your order.
The recent introduction of Summarized Credit Statistics has significantly
improved the ability to lift response on a diverse group of financial
offers!
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| More Profit
In The Information Age...Starts With The Best Data Available! |
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