Stikkum Alerts: Capture Life Events and Buying Signals Before Your Competitors Do

Credit Behavior Alerts

Credit Pull Alerts

  • Alert – Credit Pull Alert
  • Trigger – When a customer has a “hard” mortgage credit pull performed on them.  
    • Essential knowledge to enable you to save your customer from being taken by a competitor, save this new opportunity to add business to your customer relationship, and save yourself from a potential EPO. 
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Web Behavior Alerts

Mortgage - General

  • Indicator – Identifies individuals exhibiting early-stage interest in mortgage-related products without a specific loan type in mind. These users typically visit informational resources, mortgage calculators, and lender landing pages. 
    • Visits to general mortgage advice or education sites. 
    • Use of tools like affordability or pre-qualification calculators.
    • Triggers may include search terms like “best mortgage rates” or “how to get a mortgage”

Mortgage - Purchase

  • Indicator – Identifies users actively seeking new mortgage loans for home purchase, often including first-time homebuyers and move-up buyers. 
    • Indicators may include search behavior like “mortgage preapproval for first home”. 
    • Activity on real estate portals linked with lender ads. 
    • Clicks on mortgage rate comparison for new home loans

Mortgage - Refinance

  • Indicator – Represents individuals exploring options to refinance existing mortgages, generally for the purpose of lowering interest rates, changing loan terms, or tapping into equity. 
    • Data indicators may include phrases like “should I refinance my mortgage”. 
    • Calculator use for break-even points and refi costs. Traffic to lender refinance offer pages

Mortgage - HELOC

  • Indicator – Captures individuals researching or comparing HELOC products, typically homeowners seeking to access equity for renovations, debt consolidation, or financial flexibility. 
    • Searches for “home equity loan vs HELOC” or “best HELOC rates”. 
    • Indicators may include engagements with HELOC calculators or bank comparison pages. 
    • Visits to blogs or news articles explaining HELOC features

Mortgage - Reverse

  • Indicator – Targets individuals researching reverse mortgages, often seniors aged 62+, evaluating options to convert home equity into income. Indicators may include Searches for “reverse mortgage pros and cons” or “reverse mortgage eligibility”. 
    • Visits to lender pages offering reverse mortgage products.
    • Engagement with retirement planning and equity access content

Real Estate - Home Buyer

  • Indicator – this indicates people actively searching websites and pages for homes and comparing prices on home buying.  
    • See who is in the home buying market to engage early and support their real estate, mortgage, and impending moving needs.  
    • Visiting various home shopping web sites and home shopping inquiries

Life Event Behavior Alerts

PreMover – Property Listed

  • Indicator – When a property monitored is listed for sale
  • Source:  Real estate records, real estate agents, social media, newspapers, online publications, real estate analytics, sale by owner sites, online listings

New Mover

  • Indicator – When someone has changed addresses and is now listed at a new address
  • Source: Deed registrations, utility connects, real estate sales, county records, courthouse filings, title companies, US Census Bureau, change of Address forms: financial statements, subscriptions, insurance, online

Newly Divorced

  • Indicator – When someone has been detected/reported as divorced or filing for divorce
  • Source: Online surveys, questionnaires, online shopping, online transactions, self-reported

Newly Engaged

  • Indicator – When someone has been detected as now being engaged
  • Source: Online transactions, online announcements, newspaper announcements, sample invitation requests, bridal registries, website registrations

Newly Married

  • Indicator – When someone has been detected as recently being married
  • Source – Online surveys, questionnaires, online shopping, online transactions, courthouse public filing, self-reported

Prenatal (Expecting Baby)

  • Indicator – When someone has been detected as expecting a baby
  • Source – Online shopping, online survey, online transactions, self-reported, baby registries, newspaper announcements

New Baby

  • Indicator – When someone has been detected as recently having a new baby
  • Source – Online shopping, online survey, questionnaires, online transactions, self-reported, newspaper announcements, baby registries
What is stikkum?

Stikkum Is A Customer Behavior Intelligence and Retention Platform

Built Specifically For the Mortgage Provider Community
Customer Behavior Monitoring

Stay informed as soon as your customer’s credit is pulled for a mortgage. This will enable you to assist your borrower, protect your deal, and prevent an EPO.

Marketing Automation

Streamline alert and lead responses by automating emails and SMS and initiating custom campaigns and communications.

Seemless and Easy Integration

Stikkum integrates with popular CRM and LOS systems, enabling businesses to manage leads and customer interactions more efficiently without manual data entry.

Personalized and Caring Support

Our team members are available to work with you one-on-one, seven days a week, to assist with your educational and technical needs, ensuring your success and providing an excellent experience with Stikkum.

Here are some

Frequently Asked Questions

 If you have questions, we have answers! See some of the most popular questions and answers below. 

We are very security-sensitive. Therefore, we will never ask you for sensitive information like your Social Security Number (SSN). To monitor a customer fully, we need only their first name, last name, street address, city, state, and ZIP code. That is it! 

 No, we do not require long-term contracts. You can simply pay month to month. However, those who choose to pay annually will receive a 20% discount on subscription fees 

 We provide a lot of helpful information about the borrower each time you receive an alert. Information included is: FICO, DTI, estimated income total loan amount, current balance, loan date, monthly mortgage payment, total revolving trade balance, conv loan agency (Fred/Fan), and loan type

YES; Stikkum is a highly flexible and open integration system, making it simple to connect and share data with your CRM, LOS, POS, and any other system you choose. Whether you use Zapier, connect through APIs and  Webhooks, or other methods, our team will assist you hands-on in configuring these integrations. 

YES, Stikkum provides enterprise pricing for large organizations with a significant number of contacts to monitor and/or a large quantity of LOs requiring their own accounts. Contact us to learn more 

No, our policy is that you will not be charged for the times that you pull credit yourself (called a Self Pull). You have a variety of ways to communicate when credit is pulled, directly to the customer success team, administered via the platform, or automatically via integration. 

You can submit your initial database in Excel and .CSV format. You can also send updates this way ongoing, and/or request Stikkum to integrate with your other systems for automatic updates and the uploading of new contacts. 

Yes, our customer success team is here to support you directly one-on-one, seven days a week. We are happy to answer your questions via email, phone call, or live web session. Your success is our priority mission

Stikkum offers a comprehensive marketing and communications platform. You can send emails, SMS messages, and complete 

multi-communication campaigns (email/texts) to any or all of your contacts

YES. With Stikkum, you can track all aspects of your contacts' engagement with the emails you send. This includes not only opens and clicks but also the extent of their engagement, such as the total number of times they opened your email and the number of times they clicked on your content links.

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$ 27.96/Month

Billed at $419.40 $335.52 / annually upfront

Behavior monitoring alerts are billed on a pay-per-use basis. Click “Sign Up Now” to view pricing.

$ 34.95/month

Billed Monthly

Behavior monitoring alerts are billed on a pay-per-use basis. Click “Sign Up Now” to view pricing.

Solutions and Services Included with plan
Implementation: $150 - one time fee