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. Nothing tangible holding you, and you scale the volume up or down with your team.
Good lending teams don't have a closing problem. They have a pipeline problem.
Your team is busy, not productive
Loan officers spend most of the week hunting for leads instead of closing them. The best producers get worn down, and eventually they leave.
You are the fifth call, not the first
Shared portals sell the same borrower to several loan officers at once. By the time your team dials, they have already heard from four competitors.
Leads that vanish when you call
A big batch looks like a win on the spreadsheet. Then the dialing starts and half the numbers are dead, or the person never really wanted a loan.
Four lead types. One standard of quality.
Every lead is exclusive, prequalified and TCPA-documented: one submission goes to exactly one client. Below is each product's main tier. Lower tiers exist, and a lead that misses them 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+ property value when refinancing or pulling cash out
- On a purchase the investor also needs 25% down, or an already-rented property. That rule does not apply to the refinance branch
- Location captured: ZIP, city, state
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.
See the lead before you ever buy one
Five real records out of the system, with the contact fields withheld. Switch between products, including one that 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, because 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 submission goes to exactly one client |
| Phone verification | None | Six-digit SMS code they type back in. Google Voice, toll-free and spam numbers are blocked |
| 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 |
From first call to first closing
Discovery Call
We map your states, verticals, team size, and routing.
CRM Connected, Order Live
We connect delivery to your CRM. Once payment is in, your order is running.
Leads Flow, Your Team Closes
Prequalified, phone-confirmed leads land as they come in. We fill the pipeline, your loan officers close.
One closing pays for everything. The rest is margin.
Think in cost per funded loan
Cost per funded loan is what you spent on leads divided by the loans that actually closed out of them. It is the only number that survives contact with reality, because a cheap lead stops being cheap the moment you count the ones that never answer.
Our clients close on average 5% to 10%, depending on the scale and strategy of the client. At that rate a funded loan costs roughly $700 to $1,800 in lead spend, moving with the product you run and the rate your team holds. Put that next to one average commission. That is the whole argument.
That range is a planning number, not a promise. It moves with the product, the states you are licensed in and how fast your team calls. We will run your own numbers with you on the call. We are not going to guarantee closings, that part is your team's job.
The formula is boring, and it works: leads nobody else is calling, fast follow-up, and consistent volume across the whole team.
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, which also blocks the numbers people reach for when they do not want to be called, Google Voice, toll-free and the throwaway spam and one-time numbers. So the number in your CRM is real, live, and belongs to the person who filled in the form. Over the last 30 days that covered 94.8% of landing-page leads delivered. The rest came through an older intake path that has no text step at all, which is one of the reasons we are retiring it.
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.
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.
Steady lead flow also makes it easier to recruit and keep top producers.