Exclusive cash-out refinance leads for lenders
Last updated 23 October 2026
A cash-out refinance lead is a homeowner asking to replace an existing mortgage with a larger one and take the difference in cash, usually for debt consolidation, a renovation or a business need. VisionXLab is a refinance lead vendor that generates cash-out refinance leads on its own advertising and landing pages and sells each one once, in real time, into the client's CRM: one lead goes to exactly one client. Teams that buy cash-out leads from us get them in real time and 100% exclusive.
Best for multi-state branches, brokerages and lenders with 10 to 500+ loan officers that want 100% exclusive, real-time, pre-qualified purchase, cash-out refinance and HELOC leads, with orders set up per state and per product line across the states they are licensed in. Your team brings a dialer and a CRM. Cash-out refinance leads run nationwide.
Step 1 of 4
Are you currently buying any type of leads?
What best describes your role?
How many loan officers are on your team?
Once you trust our leads, what's your ideal monthly budget to keep deals coming in?
Where should we send your details?
Next you pick a time for the call.
Thanks for your interest!
Our managed program is built for teams. Solo loan officers can buy the same exclusive leads as self-serve packs, no call needed.
See self-serve packsPREVIEW / DRY RUN
Nothing was saved or sent to any CRM, and there is no redirect. This panel only exists on preview hosts or while the intake API runs in dry mode.
Request body sent
would_send (from API)
- 100% exclusive, in writing: one lead goes to exactly one client.
- Routed in real time into your CRM: median under one second, 97 of 100 inside ten seconds.
- Signed agreement, no lock-in.
| Criterion | Main tier |
|---|---|
| Credit range | 500+ |
| Home value | $200k+ |
| Cash requested | $25k+ |
| Loan-to-value after the cash | Up to 80% |
Need different criteria? We set up a custom order.
Credit in the 500s is welcome on our cash-out criteria, and because the form asks about military service, a cash-out order can carry a VA tier.
What a cash-out lead carries
On our form the homeowner gives their own estimate of the home's value, their credit range and the cash they want to take out. Those are self-reported answers, and nobody pulls a credit file at this stage.
Contact
The homeowner's answers
One lead goes to exactly one client.
An illustrative lead. The fields and the answer options are the ones our cash-out forms ask; the person, the contact details and the answers are fictional. Which fields a lead carries depends on the form the homeowner filled in.
How our cash-out leads are generated
We run the advertising ourselves, and the homeowner answers our own form. Every lead is checked against our qualification criteria before delivery, and a lead that misses them is never delivered and never billed.
- Our own advertising. Every lead comes from advertising we run ourselves, on our own landing pages and lead forms. We do not buy lists, broker other companies' leads or sell aged data.
- Consent on our form. The homeowner gives consent on our form before submitting, with a TrustedForm certificate by ActiveProspect captured on the landing page form and pulled on request. It covers calls and texts, including automated dialing, and not email.
- Phone verified on our landing page leads. How a mortgage lead's phone is verified covers what that check does and does not prove.
- Our qualification criteria, before delivery. We set them, they differ by lead type, and the cash-out main tier is in the table at the top of this page. A lead that misses them never reaches your CRM.
A lead from our form starts with the homeowner asking to be called, and no credit inquiry is involved, so it is not a trigger lead: the trigger lead ban, 2026.
Delivery into your CRM
A lead reaches your CRM in real time, while the homeowner is still at the screen. Across our lead types the median is under one second, 97 of 100 inside ten seconds.
Our measurement: first-attempt deliveries into client CRMs over the 30 days to 15 September 2026, all lead types live then. It times delivery into the CRM, not how fast an officer dials. Thirty days of leads from our own landing pages, as our system recorded them: live data.
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.
Cash-out refinance against HELOC
A cash-out refinance pays off the first mortgage with a larger one and hands the homeowner the difference. A HELOC leaves that mortgage alone and adds a line the homeowner draws on as needed.
The two borrowers are asking different questions, so we sell HELOC leads under their own name: HELOC leads. The questions that tell the two apart before you buy: where to buy cash-out refinance and home equity leads.
Why lending teams work with us
These are facts a lending team can check before the first call, each on the page linked to it.
- 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. Section 2.3, quoted.
- 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. Which states do you cover?.
- A U.S. company on the public register. M4 Labs LLC, Wyoming filing ID 2025-001808430. Wyoming filing on OpenCorporates.
Questions about cash-out refinance leads
We quote a price per lead on a call, sized to the order, and we do not publish one.
Compare vendors on cost per funded loan instead: everything you spend on a source divided by the loans that fund from it.
Exclusive: one lead goes to exactly one client, never resold and never shared. It is written into Section 2.3 of the agreement every client signs.
Yes. Our form asks about military service, and a cash-out order can carry a VA tier.
It does not ask FHA against conventional, so we hold no field to split those on.
Treat it as the homeowner's estimate, not a measurement. The property value and the remaining loan balance are both self-reported, so the equity read off the form is an estimate built on two other estimates.
An automated valuation, a credit pull and a title search are what settle it, and all three happen after the lead is bought.
From four kinds of vendors: marketplaces that sell a comparison-site inquiry, often to more than one lender; list and data sellers; pay-per-call and live transfer vendors; and generators that run their own ads and forms.
Ask a vendor for the category by name, then check the form the lead came from before you buy leads in volume.
Talk to us about a cash-out order
Four short steps on the form at the top of this page, so the call is about your team, your states and your order.
Get exclusive leads →Every lead type we sell: mortgage leads for lending teams. Our purchase line: purchase mortgage leads. Fifteen providers and us in one table: where to buy mortgage leads, compared.