Know the second your past client starts shopping for a mortgage. Call first. Keep the loan.
Credit Check Alerts watches your database for mortgage credit pulls. The moment one of your borrowers gets their credit checked by another lender, you get an instant notification. Most LOs find out after the loan is gone. You’ll know before they pick up the phone.
The deal is gone before you knew it was in play.
A past client called another lender on Tuesday. By Wednesday morning, that lender ran their credit. By Friday, they’d locked a rate. You found out three weeks later when their old contact info bounced. The deal that should have been yours closed without you ever knowing it was open.
What most LOs experience
Day 1: Past client decides to refinance. Calls a competitor.
Day 2: Competitor pulls their credit. Sends a pre-approval letter.
Day 7: Borrower locks rate with the competitor.
Day 30: You email the borrower a market update. No response.
Day 90: You realize they refinanced elsewhere. You’d have done it for the same rate.
The borrower didn’t go to the competitor because the competitor was better. They went because the competitor called first.
Speed wins mortgage. The first LO to reach a credit-shopping borrower wins the loan ~70% of the time. Without an alert system, you’re not in that race. You’re not even at the starting line.
Credit Check Alerts puts you in the race the second the gun goes off.
How Credit Check Alerts works
Powered by TransUnion. Built into your BNTouch dashboard. No extra logins, no third-party tools, no integration work. Flip it on and go.
Pick what to monitor
Whole database, segmented groups, just funded clients, just leads from the last 6 months — your choice. You only pay for what you watch.
BNTouch monitors daily
TransUnion notifies us the moment a mortgage credit pull occurs on anyone in your selected group. Daily check, near real-time.
You get an instant alert
Email + dashboard notification within 1-2 days of the credit pull. Borrower’s name, when it happened, contact details ready to go.
Call. Text. Re-engage.
From your dashboard: tap to call, send a text, fire an automated drip campaign. The follow-up is built in. You just decide which.
The math on a 1,000-contact database
$100/month total cost
$10 per hot lead
One closed loan covers three years of monitoring. Compare that to $80-$300+ for a cold mortgage lead from a paid platform.
What it looks like in practice
A real timeline from the moment a past client starts shopping to the moment you keep the loan.
Real scenario · Past client refinance
Sarah, an LO with 412 funded clients on monitoring, gets an alert.
The other lender pulled his credit Tuesday morning. The other lender called him Tuesday afternoon. By the time he heard from them again Thursday, Sarah had already won. Speed is the entire game.
How BNTouch’s Credit Check Alerts stack up
Most enterprise mortgage platforms force you into all-or-nothing monitoring at enterprise prices. BNTouch built it flexible because real LO databases aren’t all equal.
| Feature | BNTouch | Total Expert | Other Mortgage CRMs |
|---|---|---|---|
| Monitor a segment of database (not all) | ✓ | ✗ | ✗ |
| Minimum seats required | None | 100 seats | Varies |
| Pricing per record | $0.10 – $0.20 | Custom enterprise | $0.30+ |
| Alerts in dashboard + email | ✓ | ✓ | Email only |
| One-click call/text from alert | ✓ | Workflow needed | Manual |
| Automated re-engagement campaigns | ✓ (400+ pre-built) | ✓ (limited) | Build your own |
| Setup time | Same day | 4-6 weeks | 2-4 weeks |
Every alert is wired into your follow-up
Credit Check Alerts isn’t a separate tool. It lives inside the BNTouch CRM your team already uses. The alert lands in the same dashboard as your pipeline, your campaigns, your texts.
Real-time notifications
Instant email + dashboard alerts within 1-2 days of the credit pull. TransUnion-powered, mortgage-specific, daily monitoring across your selected groups.
One-click action
Call, text, or fire an automated drip campaign directly from the alert card. No copy-paste between tools. No pulling up another tab.
Flexible segmentation
Monitor your whole database, just funded clients, just leads in the last 90 days, or any custom group. Pay only for what you watch.
TCPA-safe SMS
Every text sent through BNTouch from an alert respects consent capture and TCPA-safe protocols. Built in since 2003. No additional setup.
AI Sales Assistant
Optional AI follow-up suggests the right outreach for each alert based on borrower profile and last contact history. You stay in control.
Track every alert
Dashboard view of every alert that came in, what action you took, and which ones turned into pipeline. ROI visible from day one.
What can your database actually produce?
Conservative math on the revenue you’d recover from past clients you’d otherwise lose. Defaults sit on the low end of industry numbers — your real numbers are likely higher.
Calculator uses conservative defaults: 10% close rate from alert (industry typical is 15-20% when speed advantage holds), $3,500 average LO commission (industry typical is $5,000-7,500). Adjust for your real numbers.
Common questions
How fast is “real-time”?
TransUnion notifies us within 1-2 days of the credit pull. Most alerts arrive in your dashboard the morning after the pull. Considering the typical mortgage shopping cycle is 2-4 weeks, you’re getting in early enough to be the first lender they hear from after their initial inquiry.
What credit bureau powers it?
TransUnion. They flag mortgage-related credit inquiries (the type that happen during real loan shopping, not soft pulls or unrelated checks). You only get notified on inquiries that signal actual mortgage activity.
What contact info do you need on each record?
For monitoring to work, each contact needs: full name, date of birth, SSN, and complete mailing address. Most BNTouch users already have this from their original loan applications. Records missing any of these can’t be monitored.
Can I monitor just a segment of my database?
Yes — and you should. BNTouch lets you pick any group: funded clients only, leads from the last 90 days, your top-performing referral source, or any custom segment. You pay only for what you monitor. Most LOs start with funded clients ($40-100/month for a typical book) and expand from there.
Is this an add-on cost on top of BNTouch?
Yes. BNTouch is $165/month per seat. Credit Check Alerts is an additional $0.10 per record monitored ($0.20 if you’re segmenting groups). For a 1,000-contact monitoring setup that’s $100-200/month. One closed loan covers three years.
How does this compare to Total Expert’s version?
Total Expert offers similar monitoring but requires a 100-seat minimum, custom enterprise pricing, and 4-6 weeks of implementation. BNTouch has no seat minimum, transparent per-record pricing, and you can flip it on the same day you decide to.
What do I do when I get an alert?
Whatever you’d normally do for a hot lead — but faster. Most LOs call within an hour, send a quick text follow-up, and let BNTouch’s automated drip campaigns handle nurture if there’s no immediate response. The right move depends on the borrower’s history with you. The point is you have the option.
Stop finding out three weeks late.
Your database is full of borrowers who’ll need a mortgage in the next 12 months. The question is whether you’ll be the LO they hear from first.
Get Hot Leads