Bravera Bank

Mortgage Trigger Leads

In the ever-changing landscape of the mortgage industry, a new trend is emerging—trigger leads marketing. Along with the anticipation of dropping interest rates, a surge in solicitations from third party mortgage vendors could also be on the horizon. Trigger leads, a powerful marketing tool utilized by mortgage lenders, insurance companies, and credit card providers, is a tactic used to identify potential customers. As a consumer, understanding and navigating trigger leads is crucial to safeguard your financial privacy and prevent unwanted solicitations.

What Are Trigger Leads?
Trigger leads are generated when you apply for a loan, and a mortgage lender pulls your credit, resulting in what is known as a "hard inquiry" with the credit bureaus. Subsequently, the credit bureaus share this information as a marketing product with various lenders, allowing them to provide competitive offers. These offers can come from a multitude of companies, creating a scenario where consumers may receive numerous calls, texts, and emails, sometimes dozens in a day.

Opting Out of Trigger Leads
As a proactive measure, consumers have the power to opt-out of pre-screened offers and mitigate the inundation of marketing communications. By opting out, individuals can prevent their information from being shared. Here are two effective ways to opt-out:

  1. Visit the Opt Out Pre-Screen website at or by calling 1-888-5-OPT-OUT. This joint venture among the three national credit bureaus allows consumers to control pre-screened offers. The process may take up to five business days, so it's essential to act promptly.

  2. Visit or call 1-888-382-1222 to have your number added to the National Do No Call list. Trigger leads are supposed to be scrubbed against this list as well, preventing telemarketing calls. 

In the dynamic landscape of changing interest rates and evolving mortgage trends, let Bravera be your trusted partner. Reach out to your local mortgage lender today for tailored refinancing solutions or to address any questions you may have.