Compliance in Marketing – NMP Skip to main content

Compliance in Marketing

Nov 18, 2015
Learn how to use the new TRID regulations and credit data to grow your business

Learn how to use the new TRID regulations and credit data to grow your business. Nowadays, organizations cannot rely on miracles to keep them out of hot water with governing agencies. In this competitive environment, mortgage companies are being compelled to continuously growing their business and attract new clients and also to stay in compliance with federal regulations.

One of the largest regulations to be handed down to the mortgage industry in recent times is known as TRID. TRID says you have to give the borrower a three-day loan estimate and the customer can walk away from the table at any point, and for any reason, during that three-day period.

As mortgage professionals, you have access to extremely sensitive information. Use the tools you have at your disposal as a lender to generate more business. As a lender, whether you are a banker or a broker, you have access to extremely specific information to target consumers for your marketing and to generate new business. Only lenders can access credit information. Utilize credit data to help you personalize your marketing campaigns in many different ways. You can use credit data to defend yourself against things like the new three-day TRID rule. It can be matched perfectly with the many compliance enforcement agencies and all of the new regulations that seem to be popping up.

Extremely specific campaigns that require an understanding of the guidelines, but also an understanding of the data available to you. TRID's three-day loan estimate won't be a problem if you pre-screen your prospects. Create your own personal market by selecting the customers you want to work with. You can pre-screen your prospect list in many different ways. The most common selects to pre-qualify the borrower are; loan amount, revolving debt, loan type, income, LTV, mortgage open date, credit score, and debt ratio. By following the guidelines around the use of credit data and pre-screening your target borrower, you already know they qualify so you are not wasting the borrower’s time or your own. This creates a sense of trust and loyalty with the borrower by showing that you care.

TagQuest was recently awarded the status of being a fully authorized agent with one of the major credit reporting agencies. That is the highest rank you can get as a marketing company. As a marketer, it is our job to keep you informed as to what is available to you.

Customer Spotlight: Jason P., Branch Manager in Georgia
Each month, we talk with our clients to see how their campaigns are going. Here’s some feedback we received from Jason P., a branch manager in Georgia.

Marketing method: Direct mail
►Volume:
5,000 pieces

Response rate: More than one percent
Results: More than a 20 percent conversion rate into working loans that will close

Highlights of the campaign that worked well …
“Easy! It’s really turnkey.”

Highlights of the campaign that might appeal to others in the mortgage industry …
“Even with the Internet and all of the technology today, direct mail still has its place, and it can offer a better ROI than most other forms of marketing/advertising … you just have to do it the right way.”



Based in Medford, Ore., TagQuest Inc. is a full-service marketing firm developed throughout the ever-changing mortgage industry. Utilizing industry knowledge, marketing expertise, and technology we implement any or all aspects of your marketing and/or advertising campaigns. With a proven track record, more than 10 years in business, and decades of experience TagQuest knows what it takes to produce unprecedented results in today’s fast-paced mortgage environment. For more information, call (888) 717-8980 or visit www.tagquest.com.



This article originally appeared in the October 2015 edition of National Mortgage Professional Magazine. 

About the author
Published
Nov 18, 2015
Turn Your Database Into Your Highest-Performing Asset

What if you didn’t have to guess who to call next? MMI One Mobile shows you

Jun 06, 2026
Leading LOs 2026: Delivering In A Demanding Market

The originators who kept deals moving and pipelines producing in a market that tested everyone

Apr 17, 2026
The NEXA Disruption

A bold rebrand tests the broker–retail divide

Apr 16, 2026
What Nexstar’s Tegna Deal Means For Mortgage Leads And Borrower Behavior

With Nexstar now reaching about 80% of U.S. TV households, the deal underscores a bigger shift: control over borrower attention is consolidating

Mar 23, 2026
Selene Finance Unveils First Phase Of Its Borrower Assistance Campaign

Selene has launched the first phase of its Selene Cares+ campaign, introducing enhanced digital tools and educational resources designed to improve borrower communication and engagement during times of financial hardship

Feb 09, 2026
NEXA And Brad Lea Launch Initiative To Redefine Opportunity For LOs

Entrepreneur and educator Brad Lea has partnered with NEXA to educate and empower licensed loan officers by spotlighting the brokerage’s platform advantages, compensation model, and growth opportunities in a competitive mortgage market

Jan 27, 2026