Mortgage Refi Targeting

Find Homeowners Ready to Refinance Today

Alesco Data's homeowner and mortgage dataset, live on BigGeo, gives mortgage lenders and refi brokers loan-level targeting built on verified equity position, current loan attributes, and property value signals. Stop working lists that were built for someone else's market and start reaching the homeowners who have a financial reason to call you back.

Isometric white geographic platform with blue spatial routes, markers, coverage fields, property parcels, and floating data cards representing connected mortgage refinance targeting intelligence.
At a Glance

The Data Behind the Decision

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Core targeting signal types
Loan-level
Attribute granularity per record
Equity + Rate + Value
Refi readiness trifecta covered
Buy by Geography

Stop buying the whole country. Buy just your markets.

Most data vendors sell you a national license to millions of records you will never contact. BigGeo works differently.You tell us where you sell, and we cut you exactly that geographic slice of the dataset. A single city.

A cluster of ZIP codes. A metro area. A county. Whatever matches your territory. The result is a lean, CRM-ready file containing only the companies in the markets you actually work, delivered at a fraction of the cost of a full national license.

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See Your Market Through the Data

The Problem

Bad Lists Are Killing Your Origination Pipeline

Mortgage lenders and refi brokers are losing originator hours, marketing budget, and borrower relationships every day to the same root problem: prospect lists that do not know what a homeowner's loan actually looks like right now. The rate environment has changed, equity positions have shifted, and the homeowners worth calling are buried inside a list full of people who refinanced 18 months ago or have nothing to tap. That is not a volume problem. It is a data problem.

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Stale Loan Data, Burned Calls
When loan origination dates and current balances are missing or months out of date, loan officers cold-call homeowners who already closed a refi or locked into rates that make a new loan a non-starter. Every bad dial is an originator minute that will never come back.
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Equity Blindness at Scale
Without equity position data tied to current property values, you cannot distinguish a homeowner sitting on 40 percent equity from one who is underwater. You end up marketing cash-out refi to people who have nothing to cash out, and your conversion rate tells the story.
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Rate Vintage Targeting Gaps
A homeowner who closed at a 6.8 percent rate is a very different conversation than one who locked at 3.1 percent. Without loan attribute data tied to origination vintage, your campaigns cannot make that distinction and you waste offers on people who will never say yes.
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Geographic Opportunity Left Unread
Markets where property appreciation has created sudden equity windfalls are invisible to teams working flat files and non-spatial lists. The homeowners most ready to refinance today are often concentrated in specific ZIP codes or neighborhoods that your current process cannot identify.
What Is In The Dataset

Loan-Level Homeowner Intelligence That Targets, Not Guesses

Current Loan Attribute Signals

Access loan balance, origination date, and loan type per homeowner record so your team can instantly filter for the rate vintages and balance ranges that match your current product. No more calling people whose loan profile makes a refi economically pointless.

Estimated Equity Position Per Home

Equity estimates tied to current property value data let you target cash-out refi candidates with precision. Build segments around minimum equity thresholds and hand your loan officers a list where every name on it has something to work with.

Property Value Coverage

Current property value data anchors every equity calculation to real market conditions, not purchase-price assumptions from years ago. When a market has appreciated sharply, you see it in the data before your competitors do.

Spatial Activation on BigGeo

Because the dataset lives on BigGeo's DGGS-indexed spatial layer, you can filter and segment by geography instantly. Draw a territory, define a market boundary, or score opportunity density by ZIP and census tract without exporting a single file or waiting on a GIS team.

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The world's spatial data is more accessible than you think. Let's show you how close you already are.
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You already have the questions. We have the data. Let's see what happens when they meet.
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The where in your business is more important than you think. Let's find it together.
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Most spatial data conversations start with a problem nobody thought was solvable. What is yours?
BigGeo AI

Ask Your Refi Pipeline Questions in Plain Language, Get Real Answers

BigGeo AI is live in ChatGPT and shipping in Claude, giving your team direct access to governed homeowner and mortgage data through the tools they already use every day. Instead of waiting on a data pull or a GIS analyst, a loan officer or marketing lead can ask a plain-language question and get a spatially grounded answer in seconds, backed by Alesco data, not a model's best guess. For the first time, your targeting questions get answered at the scale of the opportunity, not the scale of the effort.

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Show me homeowners in Dallas County with loan origination dates before 2022 and estimated equity above 35 percent.
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Which ZIP codes in Phoenix metro have the highest concentration of FHA loans originated above 5.5 percent?
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Map homeowners in our target territory where current property value has increased more than 20 percent since origination.
FAQ

Frequently asked questions

How current is the loan attribute data, and how often is it refreshed?
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Can I use this data for both rate-and-term refi targeting and cash-out refi campaigns simultaneously?
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How accurate are the equity position estimates, and what drives them?
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How do we access and integrate this data into our existing CRM or marketing platform?
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How quickly can we get access and start running segments?
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