Trigger Leads Won’t Stop Us—We Crush Big Lenders Every Time

You bust your tail to earn a client’s trust. You shell out thousands to credit bureaus each month for reports. Then bam—those bureaus sell your leads to mega-lenders, even the big VA bunch, who spoof your number, pose as you, and slap your name in their Rocket directories, put our name  “First Equity” in their meta descriptions.  We had a customer called and the sales rep stated "We need to finish up your app, posing as us, then charge them a 500.00 fee on their credit card. We closed the loan and turned them in to the authorities.  This isn't competing—they’re stealing, building pages to hijack our business. But here’s the kicker: we go head-to-head with them every time they buy our leads, and we win. Almost. Every. Single. Time. Almost is right-these trigger leads cost us and our friends thousands of dollars daily. Clients don't like this harassment- we warn them in advance!

This isn’t about rates—though ours are razor-sharp and super competitive. It’s about superior service  that shines through in ways they can’t touch. Professionalism. Deep knowledge of our state. Decades of expertise that greenhorns and corporate sharks can’t fake. Our clients see it, feel it, and stick with us. Relocating to Alabama? You’re in our wheelhouse—nobody knows this market like we do.

I’ve (Rod Morris-founder) been calling out this lending rackets since ‘98, when I predicted the mortgage crisis as B-paper loans flooded the market. I’ve lobbied Congress and Senate in D.C. at my own expense for broker licensing and reforms, cleaning up after the mortgage crisis. Now, trigger leads are the latest con—credit bureaus pocketing our fees then selling our hard-won leads to the highest bidder. The CFPB’s is missing it's mission, sucking up to Wall Street’s big boys while ignoring this theft from many American small businesses like ours...and client's like one mentioned above, swindled out of 500 dollars. 

The Truth

We assume these clowns lean on campaign cash to keep this scam alive, but they can’t outrun us. We’ve got the experience—30+ years deep—and the guts to fight. They impersonate us, spoof calls for my business in their wholesale channel. it's just ridiculous, monopolistic when looking at recent merger announcements. Small guys best ban together and make their way to DC again.  We've got to stop these abuses in our industry. Opt-out before you apply. It's a shame we have to warn customers...but it's today's reality.  Privacy is at the forefront. We never share our customer data. It's our long held company policy. The credit agencies shouldn't be selling this information either. They rolled these trigger leads out as predictive sales leads.  It's easy to predict someone needs a mortgage when their credit is pulled by a mortgage firm. Right?  Nothing predictive about that... so them sharing that data is theft in our opinion, has privacy implications... no matter how they dress it up. 

We'll keep documenting as this fight continues. Join us.  We'll get a petition up in next few days so check back in soon.

The Fight

Outsmart Them: We tell clients upfront—trigger leads mean fake calls. Our service locks in loyalty.

Cut Their Fuel: Push optoutprescreen.com to choke the bureaus’ game.

Go National: Moving to Alabama? We’re your edge over the national giants. Contact us.

Get Loud: I’ve hit D.C.—you can too. Call DC, links below... and Demand laws like the Homebuyers Privacy Protection Act to kill this cold. 

Trigger lead theft is personal, but we’re not backing down. Big lenders and bureaus should be ashamed, and we’re done paying for their greed. Join us—let’s end this now. Opt-out link below. Call Congress/Senate. Links are also provided below.