If you’ve recently applied for a mortgage or a loan, you might be experiencing an avalanche of spam calls from mortgage lenders. A blogger described this frustrating situation perfectly: “Just sitting here writing this short message, I’ve had to decline 3 calls. This should be illegal.” If this sounds familiar, don’t worry—you’re not alone, and there are actionable steps you can take to stop these calls.
In this post, I’ll explain why these calls happen and provide practical, friendly advice to help you regain control of your phone.
Why Am I Getting So Many Spam Calls After a Mortgage Pre-Approval?
When you apply for a mortgage or get pre-approved, your credit report is accessed by lenders. This process, known as a “hard inquiry,” is visible to other lenders, including predatory lenders. Credit bureaus like TransUnion, Equifax, and Experian often sell your information to third parties, including mortgage lenders, who then flood you with calls to offer their services.

While this practice is legal, it can feel invasive and overwhelming. The good news? You can take steps to stop these calls and protect your privacy.
Step-by-Step Guide to Stopping Mortgage Lender Spam Calls
1. Opt Out of Credit Offers
The most effective way to stop these calls is to opt out of having your information shared by credit bureaus. Here’s how:
- Visit OptOutPrescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688).
- You can choose to opt out for five years or permanently. If you select the permanent option, you’ll need to complete and mail a form to finalize the process.
This step prevents credit bureaus from selling or sharing your information to lenders, significantly reducing spam calls.
2. Register with the National Do Not Call Registry
The National Do Not Call Registry is another tool to reduce unwanted calls. While it won’t stop all spam calls (especially from companies you’ve interacted with), it can help.
- Visit DoNotCall.gov to register your phone number.
- Once registered, telemarketers are legally prohibited from calling you.
3. Block Calls on Your Smartphone
Most modern smartphones have built-in features to block spam calls.
- For iPhone Users:
- Go to Settings > Phone > Silence Unknown Callers.
- This feature sends calls from unknown numbers directly to voicemail.
- For Android Users:
- Use the Call Blocking or Spam Protection feature in your phone’s settings.
- Alternatively, download a call-blocking app like Hiya, Truecaller, or RoboKiller.
4. Answer and Request to Be Added to the Do Not Call List

If you’re feeling up to it, you can answer the calls and politely request to be added to the company’s internal Do Not Call list. Here’s how:
- Ask the caller to confirm the company they’re representing.
- Politely say, “Please add me to your Do Not Call list.”
- Keep a record of the call in case they continue to contact you.
If the calls persist, you may have grounds to file a complaint with the Federal Trade Commission (FTC).
5. Use a Secondary or Google Voice Number
If you’re applying for loans or signing up for services that require sharing your phone number, consider using a secondary number. Google Voice is a free service that provides you with a separate phone number you can use for these purposes.
This way, your primary number stays private, and you can easily ignore or block spam calls on your secondary line.
6. Report Persistent Spam Calls
If you receive persistent spam calls, report them to the FTC or the Federal Communications Commission (FCC).
- FTC Complaint Form: ReportFraud.ftc.gov
- FCC Complaint Form: FCC.gov/complaints
These agencies track and take action against companies that violate telemarketing laws.
7. Consider Call-Blocking Apps
If spam calls are still slipping through, call-blocking apps can be a game-changer. Some popular options include:
- RoboKiller: Automatically blocks spam calls and even answers them with humorous pre-recorded messages.
- Hiya: Identifies and blocks spam calls while providing caller ID information.
- Truecaller: Offers spam call blocking and SMS filtering.
These apps are especially helpful if you’re dealing with a high volume of spam calls.
8. Be Proactive with Your Loan Officer
Some Reddit users have shared that their loan officers warned them about potential spam calls and advised them to opt out of credit offers before applying for a mortgage. If you’re working with a loan officer, ask them about this and ensure they’re not sharing your information unnecessarily.
What to Do If the Calls Persist
If you’ve taken all these steps and are still receiving spam calls, don’t lose hope. Here are a few additional tips:
- Block Numbers as They Come In: While tedious, blocking each spam number can help reduce the frequency of calls over time.
- Silence Your Phone: If the calls are overwhelming, consider silencing unknown callers temporarily.
- Stay Patient: Many users report that the calls taper off after a week or two, especially if you’ve blocked numbers and opted out of credit offers.
Final Thoughts
Dealing with mortgage lender spam calls can be extremely frustrating, but you don’t have to suffer in silence. By opting out of credit offers, registering with the Do Not Call Registry, and using call-blocking tools, you can significantly reduce the number of unwanted calls you receive.
Remember, you’re not alone in this struggle—many people face the same issue after applying for a mortgage. With a little patience and persistence, you can regain control of your phone and focus on what matters to you!
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