The credit pull alert is a defensive tool. By the time it fires, your past client has already started shopping. The loan officers consistently winning refi business in 2026 are reaching high-equity homeowners before the shopping starts — using property record data, not credit triggers.
What 40% Equity Actually Looks Like in Your Market
In Connecticut, a homeowner who purchased at $350,000 in 2019 and saw their property appreciate to $490,000 by 2024 now has equity near 45% even accounting for their remaining balance. They are a prime HELOC candidate, a move-up candidate, and a cash-out refi candidate — depending on their rate and life situation. The question is whether you reach them with that framing before someone else does.
Equity Leads Across All Active States
Vicario's equity lead intelligence pulls assessed value and historical purchase data across CT, NY, MA, FL, and TX to surface homeowners with estimated 20%+ equity. The individual list, available on your trial, includes the property address, estimated equity percentage, and estimated current value for each lead.
- ✦CT high-equity markets: Fairfield County (Greenwich, Westport), Hartford County (West Hartford, Glastonbury)
- ✦NY high-equity pockets: Westchester County, Nassau County, Long Island suburbs
- ✦FL equity concentration: Miami-Dade coastal, Sarasota, Naples
- ✦TX: Harris County (Memorial, River Oaks), Travis County (Austin suburbs)
Keep Mode monitors equity thresholds across your entire past-client database. When a past borrower crosses a threshold, you get the alert before competitors do.
7-day free trial. No credit card required. Licensed MLOs in CT, NY, MA, FL, and TX.
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