You know the scariest part of this market?
It’s not the rates. It’s not the inventory. It’s not even lead quality.
It’s the fact that your past clients are shopping for loans—and you don’t even know it.
That’s the kind of thing that keeps you up at night. But what if you didn’t have to wonder? What if you could get notified when your clients were showing signs they were back in the market?
That’s exactly what Jeff Londres of Stikkum built—and it’s why we brought it into our own brokerage.
This isn’t some fancy enterprise platform. It’s built for the little guy. If you’re a one-person broker shop or a small team trying to protect your deals and get ahead of client behavior, this post is for you.
The Trigger Bill Is Here—But the Game Is Still On
By now, you’ve heard about the Trigger Leads Bill.
In short: lenders used to be able to buy data when a consumer’s credit was pulled for a mortgage, then bombard them with calls, emails, and texts.
It got ugly—60 to 70 messages, easy.
The new law changed that. Trigger leads are now restricted. Only certain players—loan originators, servicers, banks, credit unions, and opted-in companies—can still access that data.
Sounds like good news, right?
Yes and no.
The abuse is being cleaned up, but the big players still have access. Rocket. Mr. Cooper. Chase. They’re inside the castle walls.
And if you’re not leveraging your own data, your clients will slip through the cracks—and into someone else’s funnel.
Stikkum Levels the Playing Field
Stikkum is a behavioral monitoring platform built specifically for mortgage and real estate pros.
Here’s what it does:
- Monitors your closed client database for credit pulls, online mortgage searches, property listings, and more
- Alerts you when your client is showing signs of being in the market again
- Helps you automate follow-up through built-in email and text campaigns
- Protects you from EPOs and keeps you top of mind when clients start browsing
Think of it like putting a silent alarm on every client in your past database. If they make a move, you’re the first to know.
We’ve personally used it in our brokerage and already have loans in process that we would have missed completely without Stikkum’s alerts.
But Isn’t That Creepy?
Honestly? A little.
But you know what’s worse?
- Spending thousands on lead gen while your past client refis with someone else.
- Losing deals to servicers or banks just because they got there first.
- Having all the tools—but none of the timing.
This isn’t Big Brother. It’s called protecting your book of business.
The big institutions do it. Now you can too.
CRM Not Cutting It? Stikkum Fills the Gaps
You might be thinking, “Well, I already have a CRM.”
So do we. But most CRMs are built for outbound—they’re not built to react in real-time to client behavior.
Stikkum actually:
- Tracks life events like marriages, divorces, home searches, etc.
- Runs multi-touch campaigns via email and text based on behavior
- Allows segmentation by state or region, so you can customize by market
- Integrates with most platforms via API, webhook, or Zapier
And best of all? It’s light, simple, and doesn’t require a team of techs to run it.
We uploaded our closed client file, set preferences by state, and started getting real alerts the very next day.
Trigger Leads: Still Worth Opting Out?
Good question.
Jeff laid it out like this: yes, the law protects consumers from cold spam—but if you pre-screen opt out your clients, you’re also blocking yourself from getting alerts as their original loan officer.
If you’re in regular contact with them, maybe that’s fine.
But if you’re like most LOs, you do the loan, send a few emails, and hope they come back later. And that’s dangerous.
So if you still want visibility into what your clients are doing—and want to protect yourself from EPOs—you’ll want access to that data. That means don’t opt them out unless you really understand the trade-off.
You Can’t Outspend Rocket—But You Can Out-Execute
Rocket, Chase, UWM—these guys are spending millions to lock in customers.
You can’t outspend them. But you can out-execute them.
What’s your edge?
- Your relationships.
- Your timing.
- Your ability to show up consistently and relevantly.
Stikkum gives you that edge. It gives you the visibility and tools to:
- Stay in front of past clients
- Engage them at exactly the right time
Beat the big players to the punch
Why We Use It—and You Should Too
We’re a small brokerage. We don’t have a giant tech team. We needed something that:
- Was simple to use
- Worked in the background
- Let us pay as we go
- Actually got results
Stikkum checked every box.
Even better? There’s a built-in marketing engine most people overlook. It’s like a lightweight CRM that triggers messaging based on behavior—not just dates on a calendar.
This tool doesn’t just sit there. It helps you start conversations. It helps you win back clients. And it does it without adding another dozen to-dos to your day.
The Bottom Line
You’ve already done the hard work of building relationships, closing loans, and earning trust.
But in today’s market, trust isn’t enough.
You need timing. You need visibility. You need to be in front of your clients before they fill out another 1003.
Stikkum helps you do exactly that.
You don’t need a Super Bowl ad to stay in the game. You just need to show up, be relevant, and protect what you’ve built.
