We Find Borrowers With a Mortgage Problem. Your Team Solves It.
Homeowners and buyers who came to us looking for an answer, qualified on credit and home value, and handed to one lending team only.
What We Sell
Prequalified
Screened on credit, home value and loan details, and never billed when a lead misses our qualification criteria. On our landing pages the phone number is carrier-checked too.
Exclusive
One lead goes to exactly one client. Never resold, never shared, never sent to a second lender. Written into Section 2.3 of the agreement every client signs.
Real-time
Straight into your CRM the moment the borrower submits. Median under one second, 97 of 100 inside ten seconds.
Purchase
Homebuyers actively shopping for a mortgage.
DSCR Investor
Rental-property borrowers, qualified on the deal.
Rate-and-term refinance on request, as a custom order.
Why Lending Teams Work With Us
- Our own lead distribution system
Leads come from our own ads and forms, are checked against our qualification criteria and are routed in real time into your CRM: median under one second, 97 of 100 inside ten seconds.
- 100% exclusive, in writing
One lead goes to exactly one client, never resold and never shared. It is Section 2.3 of the Lead Generation Service Agreement every client signs.
- Invalid leads replaced at no charge
An exact duplicate in the same order, a missing or non-existent phone number, or a lead outside your licensed states is replaced at no charge when you report it within five business days. Section 5 of the agreement.
- Signed agreement, no lock-in
Stop any re-order at any time before it is charged. We email you at least 5 days before every re-order charge. Section 7 of the agreement.
- Coverage, set per state and product line
Nationwide for purchase and cash-out refinance. Each order is set up per state and per product line, across the states your team is licensed in, and before you sign we tell you if one of your states is thin.
- Consent records
A TrustedForm certificate by ActiveProspect, captured on the landing page form and pulled on request. For our Facebook lead forms, we store the consent wording the form showed and the consumer’s checkbox answer with the lead.
- No trigger leads
Our leads are people who answered our own ads and filled in our own forms. We do not sell lists built from a credit inquiry.
- Meta special ad categories
Our consumer ads on Facebook and Instagram run in a Meta special ad category, housing or financial products and services, with the targeting limits that come with it.
- No borrower finances sent to Meta
Our ad tracking sends Meta hashed contact details and browser identifiers, and no credit score, income or home value.
- Privacy rights, published
A privacy policy, a Do Not Sell or Share page, and the Global Privacy Control signal honored as an opt-out.
- A U.S. company on the public register
M4 Labs LLC, Wyoming filing ID 2025-001808430.
- Our exclusivity clause, quoted in public
Section 2.3 of our agreement is quoted word for word on our FAQ. Of the 15 other providers on our comparison page, none quotes an exclusivity clause from its own agreement on the pages we read on October 15, 2026.
- Delivery time measured, with the method
We publish our measured delivery time and the sample behind it. Of the 15 other providers on our comparison page, 5 say on their own pages that delivery is real time, and none of them publishes a delivery time with the measurement behind it (pages read October 15, 2026).
- A sample lead, published
What a purchase lead looks like when it reaches your CRM: the contact fields and the borrower’s own answers, with fictional details.
- Research that cites the rule itself
31 of our resource pages link straight to the regulation or the regulator: the eCFR, govinfo, the FCC or the CFPB.
- Independent penetration test
An independent U.S. firm penetration tested our lead system in October 2026: the landing pages and lead forms, the API, access controls, CRM delivery and the admin system. No critical, high or medium findings. The signed attestation letter is public.
Terms at a glance
- Signed agreement, no lock-inStop any re-order at any time before it is charged. We email you at least 5 days before every re-order charge. Section 7.
- Invalid leads replaced at no chargeAn exact duplicate in the same order, a missing or non-existent phone number, or a lead outside your licensed states, reported within five business days. Section 5.
- Undelivered leads refundedAn order is delivered within 30 days of launch, with an automatic extension of up to 30 more. Anything still undelivered is refunded automatically, no request needed. Section 4.9.
- First leads usually in 24 to 48 hoursCounted from the day your campaigns launch. The ad auction sets the exact timing. Section 4.6.
- Real-time delivery into your CRMEach lead is pushed into your CRM the moment the borrower submits, by native integration, webhook or API. No batches, no daily files.
From the Lead Generation Service Agreement every client signs.
The Team
Dominik Žuffa
Advertising, landing pages and qualification criteria.
Erik Bartoš
Billing, payments and order terms.
Matthew Bartoš
Onboarding, consent questions and legal requests.
Talk to Us
Book a discovery call
The quickest route. Six questions on the form first, so the call is about your order.
Book a Discovery Call →- Sales and general
- info@visionxlab.com
- Legal and privacy
- legal@visionxlab.com
Key Facts
- Company
- VisionXLab
- Operated by
- M4 Labs LLC, a Wyoming limited liability company
- Registered address
- 30 N Gould St Ste R, Sheridan, WY 82801, United States
- Market
- The United States only, nationwide
- Sells to
- Branch managers, consumer-direct lenders and loan officer teams
- Lead types
- Purchase, cash-out refinance, HELOC, DSCR investor (self-serve packs only)
- Exclusivity
- One lead goes to exactly one client, written into the agreement every client signs
- Pricing model
- Pay per qualified lead, under a signed agreement with no lock-in
- Delivery
- Straight into your CRM. Median under one second, 97 of 100 inside ten seconds.
- Borrower data
- Self-reported. Credit, income and property value are the borrower’s own answers on our form, not a credit bureau pull.
- Consent
- Before submitting, the borrower gives prior express written consent to be called and texted about mortgage products by us and by the lending team the lead goes to, including automated dialing and a recorded or AI voice, even if the number is on a Do Not Call list, and is told that consent is not a condition of any purchase. A TrustedForm certificate by ActiveProspect records it on our landing page form, and we pull it on request.
- What we are not
- A mortgage lender, a broker or a financial advisor
- People
-
- Dominik ŽuffaCo-Founder, Head of Acquisition
- Erik BartošCo-Founder, CFO
- Matthew BartošCo-Founder, Compliance, Customer Success and Legal
- VisionXLab Europe
- visionxlab.cz is a separate company under the same owners, Vision Lab Agency s.r.o. in Prague. It serves Czech and Slovak businesses and does not sell U.S. mortgage leads. The two companies do not share clients, contracts or a legal entity.
Every figure on this site names the study it came from and the year it was measured. Where a widely repeated industry number has no primary source, we say so instead of repeating it. Our own measurements are labelled as ours and published as ratios and medians rather than raw counts: the delivery timing on this page covers the 30 days to 15 September 2026.
VisionXLab is a lead generation company, not a mortgage lender, broker or financial advisor. The sourced material is in Resources and direct answers are in the FAQ.