PRE-BUILT PREDICTIVE AUDIENCES
Predict Who Is Most Likely to Act
Predicta™ Audiences identify households with a higher predicted likelihood of obtaining a new mortgage, refinancing, or opening a home equity line of credit—without requiring your customer data or the time and expense of developing a custom model.
No customer file. No custom model development. Ready-to-use prospect audiences.
PREDICTIVE POWER WITHOUT CUSTOM DEVELOPMENT
Go Beyond Demographic Targeting
Traditional demographic targeting starts with assumptions about which characteristics should indicate a good prospect. Predicta starts with actual financial outcomes.
Pre-built models identify the characteristics that distinguish households associated with mortgage, refinance, and HELOC activity. Those patterns are then used to identify other households with a higher predicted likelihood of taking the same action.
Predicta is built for banks and credit unions and lending marketers who want predictive targeting today. If you have converter data and want maximum client-specific relevance, see custom predictive models or Conversion-Ready Audiences.
Choose the Right Level of Targeting
Predicta fills the gap between broad demographic selection and a fully customized predictive model.
Demographic Targeting
Question answered
Who meets the filters?
Marketers select characteristics such as age, income, home value, equity, or geography based on assumptions about the target audience.
Client data required: No
Best when: A broad, easily defined prospect universe is sufficient.
THE READY-TO-USE PREDICTIVE OPTION
Predicta™ Audiences
Question answered
Who has a higher predicted likelihood of taking this action?
A pre-built model identifies patterns associated with an actual mortgage, refinance, or HELOC outcome.
Client data required: No
Best when: You want predictive targeting without supplying customer data or waiting for custom model development.
Custom Predictive Model
Question answered
Who looks most like my best customers or converters?
A client-specific model is trained using the organization's own customer, applicant, or converter data.
Client data required: Yes
Best when: Sufficient first-party converter data is available and maximum client-specific relevance is needed.
CURRENTLY AVAILABLE
Three Predicta™ Audiences for Lending Acquisition
Choose the financial action that matches your campaign objective, define your target geography and audience quantity, and receive a focused prospect audience ready for activation.
Predicta™ Mortgage
Find households more likely to obtain a new mortgage
Identify households whose characteristics are associated with new mortgage activity and focus acquisition campaigns on prospects with a higher predicted likelihood of obtaining a mortgage.
Best for: Mortgage acquisition campaigns • New purchase lending • Prospecting within defined lending footprints
Predicta™ Refinance
Find homeowners more likely to refinance
Identify homeowners whose characteristics are associated with mortgage refinancing using a pre-built model designed specifically around refinance outcomes.
Best for: Refinance acquisition campaigns • Rate or term offers • Targeted homeowner outreach
Predicta™ HELOC
Find homeowners more likely to open a HELOC
Identify homeowners whose characteristics are associated with home-equity-line activity and build a focused audience for HELOC acquisition campaigns.
Best for: HELOC acquisition • Home-equity lending • Targeted homeowner campaigns
From Actual Outcomes to Actionable Audiences
Step 1 — Start with actual outcomes
Analyze households associated with completed mortgage, refinance, or HELOC activity.
Step 2 — Find distinguishing patterns
Identify the combination of household characteristics that differentiates those outcomes.
Step 3 — Rank likely prospects
Apply the pre-built model to identify households with a higher predicted likelihood of the same action.
Step 4 — Build the campaign audience
Select the geography and audience quantity that fit your acquisition strategy.
Predictive Targeting Made Easier
No customer file required
Use predictive targeting even when converter data is limited or unavailable.
Ready to deploy
Skip the time and expense of developing a custom model.
Built around actual outcomes
Let the data identify meaningful patterns instead of relying only on assumed demographic filters.
Campaign-sized delivery
Define the geography and audience quantity that fit your acquisition plan.
Built for Lending Acquisition Campaigns
- Banks
- Credit Unions
- Mortgage Lenders
- Lending Marketers
- Direct Mail Programs
- Agency & Data Partners
Deliver audiences for direct mail, email, digital onboarding, or other permitted acquisition channels based on campaign requirements.
Ready for a Smarter Lending Prospect Audience?
Tell us which product you want to grow, where you want to target,
and how many prospects you need. We’ll help you determine whether
Predicta™ Mortgage, Refinance, or HELOC is the right fit.
No customer file required.