Mortgage Leads Only Your Team Gets to Call. Prequalified Before They Hit Your CRM.
Buy an order, we deliver against it, you decide whether there is a second one. No binding contract, and you scale the volume with your team.
Good lending teams don't have a closing problem. They have a pipeline problem.
Busy, not productive
Officers hunt for leads all week instead of closing them.
The fifth call, not the first
Shared portals sell the same borrower to several desks.
Leads that vanish on the dial
Half the numbers are dead. The rest never wanted a loan.
Four lead types. One standard of quality.
Every lead is exclusive, prequalified and TCPA-documented: one lead goes to exactly one client. Each product shows its main tier, and a lead that misses one is never delivered and never billed.
Purchase
Homebuyers actively shopping for a mortgage, ready for a real first conversation.
- 640+ credit score
- $40k+ annual household income
- $150k+ purchase price bracket
Refinance
Homeowners with clear rate and payment-driven intent to refinance now.
- 640+ credit score
- $150k+ estimated home value
- Rate or payment-driven intent
Cash-Out Refinance
Equity-rich homeowners who want to pull cash out of their home.
- 640+ credit score
- $200k+ estimated home value
- $25k+ cash-out amount
- LTV 80% or lower on the main tier, 75% on the lower ones
DSCR
Investor loans qualified on the property, not on personal income.
- No income requirement
- 640+ credit score
- $250k+ property value when buying, $200k+ when refinancing
- On a purchase, 25% down or an already-rented property. Not on the refinance branch
Custom Volume Program
For consumer-direct lenders and lending teams that need serious, predictable volume. We build a delivery, pacing, and routing plan around your operation.
Running a branch or a whole floor? The page for branch managers and owners covers what changes at that size.
See the lead before you ever buy one
Five real records out of the system, with the contact fields withheld. One of them failed qualification.
Every qualification figure above is a real delivered record, read out of production on 10 August 2026.
- The names, emails and phone numbers are not. They are placeholders, on numbers and domains reserved for fiction.
- A borrower's contact details do not belong on a public page, and a realistic-looking one only invites somebody to dial it. A delivered lead carries the real ones.
- Every landing-page lead since 20 July carries a TrustedForm consent certificate.
Stop paying more for worse leads
| What matters | Shared portals | VisionXLab |
|---|---|---|
| Exclusivity | The same borrower sold to several loan officers | One lead goes to exactly one client |
| Phone verification | None | Six-digit SMS code they type back in. No code, no lead |
| Qualification | Minimal | Prequalified against published criteria per product |
| Delivery speed | Delayed or batched | In your CRM 30 to 60 seconds after they finish the form |
| Compliance | No consent trail | TrustedForm certificate on every landing-page lead |
| Commitment | Long-term contract | Order by order, no lock-in |
- We generate every lead on our own ads and landing pages, so nobody is reselling you a record they bought somewhere else. That is one of four ways this market sells a lead, and what aged, shared and live transfer leads each do well is worth knowing before you compare prices.
- One lead goes to exactly one client.
- What it does not mean is that the person has never filled in another form anywhere, because that is not something any vendor can see or promise. The version we do rule out, one form sold several times over, has a cost of its own: what that does to the borrower, and to whoever dialled first.
A painless setup, from call to closing
Discovery Call
We map your states, verticals, team size, and routing.
Onboarding
One working session to connect delivery to your CRM. Once payment is in, your order is built.
First Leads
From your call to launch. Campaigns usually start on a Monday, so your branch gets a clear week in front of it.
- Discovery call to launch: 1 to 5 days.
- First lead: within 24 hours of launch.
- After that, a borrower who finishes the form is in your CRM in 30 to 60 seconds, phone verified and checked against your order. What happens after that is your side of it, and how many attempts it takes to reach a mortgage lead is one of the few things here with a study behind it.
- The push itself is the fast part: median under one second, measured in production rather than modelled.
One closing pays for everything. The rest is margin.
Think in cost per funded loan
- What you spent on leads, divided by the loans that closed out of them.
- A cheap lead stops being cheap the moment you count the ones that never answer.
- Our clients close 5% to 10% of our leads to funded loans. Where in that range you land shifts with your scale and your strategy. Before you plan against anybody else's number, check which mortgage funnel numbers have a primary source.
- At that rate a funded loan costs roughly $700 to $1,800 in lead spend. Put that next to one commission.
A planning range, not a promise. We will run your own numbers with you on the call.
Straight answers
No. We work order by order.
- No three-month lock-ins and no annual commitments.
- You re-order because the leads perform.
No. If you already have a CRM that works for you, keep it.
- We connect through webhooks and our API to virtually any CRM.
- If you do not have one, we provide a simple, ready-built GoHighLevel CRM with a dialer and SMS built in.
Yes. Delivery scales from a single loan officer to a whole floor, with routing, pacing, and volume built around your operation.
- We size the first order on the call against your team size and the states you are licensed in, and the price per lead does not change with the size of the order.
- After that we size up against what your team actually works through rather than against a number on a page.
The borrower gets a six-digit code by SMS and has to type it back into the form.
- No code, no lead: it never reaches our system, so it can never reach yours.
- We run this on Twilio.
- So the number in your CRM is real, live, and belongs to the person who filled in the form.
Leads that arrive through an advertising platform's own in-app form do not pass through that step, because the form is hosted inside the platform and it does not offer one.
We tell you which path a lead came in on, and an order can be restricted to our own landing pages if you want the text step on everything you receive.
We deliver nationwide.
- Coverage is still checked per order, so we compare your licensed states against what we are actually generating before you sign anything, and we tell you if a state is thin.
- Three states or more is what we recommend, up to nationwide, and we do run single-state orders where the volume in that state supports one.
Every question we get asked on a call, grouped by subject, is on the full FAQ.
The numbers this market runs on, and where they come from
Everything above is our side of it. These three take the claims a lead buyer has to weigh, name what each one stands on, and say plainly where the public record runs out.
Mortgage lead types compared: aged, shared, live transfer
Aged, shared, live transfer and one to one, side by side, with what each one is genuinely good at.
No independent price index exists for this market, so it ranks nothing it cannot source.What shared mortgage leads do to a borrower
Why one form reaches several lenders at once, and what that costs whoever dialled first.
Built on an FCC order and a CFPB survey of purchase borrowers, both linked where they are used.Mortgage lead conversion rates: which ones have a source
Which funnel numbers you can plan against, which need their year attached, and which trace back to somebody selling leads.
Government filings at the top of the scale, folklore named as folklore at the bottom.Your team's pipeline won't fill itself.
Book a short discovery call and see how VisionXLab keeps every loan officer on your floor fed with qualified borrowers nobody else is calling.