Straight answers about buying mortgage leads

We generate mortgage leads on our own ads and sell them to the team that is going to call them.

• Exclusive, prequalified, and inbound within the minute.
• Companies, branches, teams and solo loan officers all buy the same product.
• Seven years in lead generation, and this is our first year in mortgage.

Four types, and a first order is one of them rather than a mix.

• Purchase.
• Refinance.
• Cash-out refinance.
• DSCR.

One type is the only way either of us learns anything clean from the first order, and you add a second once you know what the first one did.

If you can take 500 leads or more we will build you a custom vertical, and it does not have to be your first order.

A US borrower who came through our own ad, filled in our form, met the criteria for the loan type you ordered, and landed in your CRM 30 to 60 seconds later.

• Purchase, refinance, cash-out or DSCR, whichever you bought.
• Their phone number is confirmed by text before anything is delivered.
• The consent they gave travels with the record.

Because we buy the traffic ourselves.

• When a lead turns out to be worth nothing, it is our advertising money that got burned, not just your team's afternoon.
• A vendor who buys records from a data supplier gets paid whether the record was any good or not.
• We do not have that option, and everything else here is a consequence of it.

The rest is transparency, and we know how much of that is missing in this market.

We would rather give you expectations you can hold us to, including the part that is on your side, the calling and the setup, than sell you a number.

Anything you want to see, we open it on the call.

One lead goes to exactly one client.

• It is never sent to five lenders at once, which is what shared means everywhere else in this market.
• We do not buy data, we do not broker other people's records, and we do not sell to other lead companies, so there is no second copy sitting at a supplier upstream.
• Inside your account we also match on phone number for 30 days, so the same borrower does not land on your desk twice in a month.

If that person comes back weeks later and fills the form in again, that is a new lead and it can go elsewhere.

The person picks their own credit range, income and property on our form.

• Anything that misses the criteria for your lead type is never delivered and never billed.
• The criteria are ours, they are fixed, and they differ by lead type, because what qualifies a cash-out file is not what qualifies a purchase.
• The cash-out and investment property forms do not ask for income at all: there the qualifying facts are the property and the equity, not a paycheck.
• Your order sets out the exact bar for the type you are buying, so you can read what does and does not reach you before you pay for anything.

Below that bar there are looser rungs, and each step down in credit has to be bought back with a step up in value: a pricier property, more equity, or a stronger income.

A weaker file only reaches you when the loan behind it is big enough to be worth the work.

As soon as somebody submits the form on our landing page, they are in your CRM in 30 to 60 seconds, ready to call.

• Not a record resurfaced from months ago.
• The person is still at their screen when your first call comes in.
• The clock covers the whole path: form finished, number verified by text, lead delivered.

Shared leads, aged leads, purchased databases, brokered records and trigger leads.

• Shared leads: the same person sent to five lenders at once.
• Aged leads: nothing resurfaced from months ago.
• Purchased databases: we do not buy lists.
• Brokered records: no middle layer between the ad and you.
• Trigger leads: illegal since 4 March 2026, and the opposite of how we work.

A shared lead has already spoken to three other officers by the time you call. Ours has spoken to nobody.

The other difference is capacity.

• We generate our own, so we are capped by ad budget rather than by somebody else's inventory.
• That is what matters if your problem is volume rather than quality.

Because lying to our form costs them, not you.

• They are on it because they want a quote, so if they overstate their credit, you pull the real number and the deal dies on their own time.
• That self-selection is what we rely on, and we would rather name it than dress it up.

Credit, income and property value are what the consumer told our form.

There is no credit pull anywhere in this, and nobody can pull a file on a person who has not given permission for one.

Paid ads we run and pay for ourselves, mostly on Facebook and Instagram, and every one of them clicks through to our own landing page.

The landing page is the product. The person has to arrive, read, and answer for themselves.

• Which loan they want.
• Their credit range.
• Their income.
• Their property.

Nothing is filled in for them and nothing is bought from a data supplier.

• Then they get a text with a six-digit code they have to type back before anything is delivered.
• No confirmed number, no lead.
• The people who cannot be bothered to do that never finish, which is the point.

Some of you have, and some have made it work.

What you are buying from us is time, cost stability, and a data position you cannot build on your own budget.

• Time: no media buyer to hire, no landing page to build, no compliance review to run, nobody watching cost per lead every morning.
• Cost: you pay a fixed price per lead, so a bad ad week is our problem and not a line in your P&L.
• Data: every client's campaigns run inside one large ad account, so the pixels behind your leads have been trained on far more data than any single firm generates on its own.

That is not something you catch up to by spending more this month.

The honest cost of that: the ads carry our branding, not yours, so the brand you would have built inside those campaigns is ours.

Everything downstream of the lead is yours, the referrals and the repeat business included, and we have no claim on any of it.

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.

Our clients close 5% to 10% of our leads to funded loans. Where in that range you land is decided by the scale and the strategy of the client.

Our best is up to 14.6%.

Where you land is decided by:

• How fast you call.
• What your follow-up looks like.
• How many of your officers are genuinely working the leads.

How many pick up depends on your sales strategy, your dialer, your CRM and your follow-up.

• No lead source on earth connects with everybody on the first attempt.
• Plenty of people answer later, or reply to a text or an email instead.
• That is what the follow-up is for, and it is the single biggest difference between the teams that make this work and the teams that do not.

What we control is the front end: a lead that misses our qualification criteria is never delivered and never billed.

After it lands, the outcome sits with your team, and nothing in your order is contingent on how a particular call goes.

Straight into your CRM.

• GoHighLevel, FollowUp Boss, OnePageCRM, Bonzo, Salesforce and LoanOfficer AI are ones we connect to regularly.
• Anything with a webhook or an API we can connect to as well.

Not sure about yours? Ask us on the call, or ask an AI search “can [your CRM] receive leads via webhook or API?”.

The answer is almost always yes.

• The connection only runs one way.
• We push leads to you and we see nothing inside your system.
• VisionXLab shows up as the lead source, and on a plain webhook you map that field once during setup.

If you do not have a CRM, we offer one as an add-on, set up with the automations and follow-up campaigns already in it.

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.

Consent is captured on our own landing page, on a box the person has to tick themselves.

It travels with the lead:

• The exact sentence they agreed to, timestamped and versioned.
• A third-party TrustedForm certificate alongside it.

What they agree to is written consent for us and the lenders on our published partner list to call and text them at the number they gave, including by automated dialing and a recorded or AI voice, even if that number is on a Do Not Call list.

• Consent is not required to buy anything, and they can reply STOP at any time.
• That is TCPA-grade consent, and we have already met the compliance requirements of some of the biggest players in this industry.

Whatever your compliance team needs to see, ask for it on the call.

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.

The consent is ours to produce and it names who will be calling.

• The clause that does the work is the Do Not Call waiver, which is why we publish a live list of the clients who can receive a lead.
• What your own exposure looks like is your compliance team's call against your own policy, not ours to answer for you.

We give them the sentence, the timestamp, the version and the certificate to judge it on.

We work out a reasonable volume for your first order together on the call, against your size and your states.

The price per lead does not change with the size of the order.

• Selling you five leads would be pointless for both of us.
• That is too small a sample to tell you anything about quality, and you would be judging us on noise.

Payment is up front and delivery runs over the 30 days from your start day.

• Onboarding takes one to five days depending on your CRM and how fast your side can move.
• Most new orders start on a Monday so your team gets a full week in front of it.

No. We deliver a lead record into your CRM and your officer makes the first call.

• If what you actually want is somebody dialling for you, we work with a partner firm doing AI calling specialised in mortgage.
• We can make an introduction.

Yes, for a real gap.

• Five or more days where nobody can call, tell us on your Slack channel and we pause the order.
• What we do not do is stop for a day because somebody is sick or running late.

It is only worth pausing when leads would genuinely sit unworked, and a lead that has been sitting for two days is worth a fraction of what it was worth on the first morning.

Under five minutes, and fifteen at the outside.

• That is not a preference: it is what the research, our own numbers and our highest performing clients all say.
• After an hour the pick-up rate drops sharply.
• The person filled in a mortgage form minutes ago, and by the afternoon they are not thinking about it and have spoken to somebody else.

The teams this works for call quickly and call again.

If nobody on your side can get to a lead the day it lands, we would rather say so on the call than take the order and watch it fail.

It works for teams that call fast and do the follow-up, and not for teams that want appointments handed to them.

Works for:

• Somebody is in a seat calling today, whether that is a floor of officers, a branch, a small team or you on your own.
• You want to write more, and you are used to calling leads fast and doing the work.
• You have a CRM, a dialer, and at least basic text and email follow-up.
• You are not expecting these to close as easily as a referral.

Does not work for:

• You are expecting easy closes.
• Nobody calls inside fifteen minutes of a lead landing.
• Nobody is willing to do the follow-up work.
• You want appointments handed to you, or us to fix a process problem.

Then you are out one order, and you knew inside a couple of weeks instead of a couple of quarters.

• We guarantee the quality of the lead, never the closing, because we cannot guarantee your team's selling.
• What we can do is size it so the maths is not against you.
• A first order is sized so that one closed loan comfortably covers what you paid for it, two on the bigger orders.

Call inside fifteen minutes, dial from local numbers that are not burned, bring average closing skill, and finishing an order with nothing at all is a hard result to produce.

Our clients close 5% to 10% of our leads to funded loans.

No. We work order by order.

• No three-month lock-ins and no annual commitments.
• You re-order because the leads perform.

No.

• No contract.
• No retainer.
• No minimum term.

You buy one order and decide afterwards whether there is a second.

That cuts both ways: the only reason you would ever place a second order is that the first one did something, and we have no mechanism that keeps you buying.

Per lead, and nothing else.

• $0 setup fee.
• $0 hidden fees.
• $0 extra fees.

The number itself we go through on the call, because pricing runs per lead type and any figure on a public page would be wrong for most of the people reading it.

• You will have yours inside the first ten minutes.
• One payment against one order, and a lead that misses our qualification criteria never enters billing at all.

Thirty minutes, mostly questions, and mostly ours.

• What is bothering you about the leads you buy today, or why you have none.
• What kind of leads you are actually after, and any specifics.
• Your CRM, your sales process, your technical setup.
• Your company's policy on lead vendors.
• Whether our leads make sense for you at all, and yes, we will tell you if they do not.
• A reasonable volume for a first sample order.
• The next steps.

Then we share a screen and show you the product rather than a deck.

• The ad running right now.
• The form the consumer fills in.
• A delivered lead record.
• A live TrustedForm certificate.
• A lead the system threw away.

No problem at all, we are used to it.

• At the end of the call, if you like what you have seen, you send us the application or we send your team whatever they need.
• We have been through this with some of the biggest players in the space.

Whatever your operator attaches to it:

• The W-9.
• The company details.
• The security and compliance questionnaire.

We can comply with it or work out how to make it fit.

• Start it in parallel with the first order rather than after it.
• Approval is your side's process and at larger lenders it has run into months.

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.

No problem at all.

• It comes down mostly to how many states you want delivery in, and the more the easier.
• We generate our own leads, so the ceiling is our ad budget rather than somebody else's inventory.
• On an order that size we may scale the ads up week by week to keep our own costs in line, and we tell you that upfront on the call from current data rather than after you have paid.

An order carries a delivery window as well as a size.

Thirty days is the default and shorter windows exist.

No. The ads run continuously and the audiences behind them are shared across every order.

• Holding one buyer's leads back would reset the learning the rest depend on.
• We solved it on the consumer's side instead.

The page they land on after the form tells them when to expect your call, and it says something different at nine on a Tuesday, in the evening, and at the weekend.

They are waiting for an unknown number rather than surprised by one.

Not today. Our form does not ask whether somebody wants FHA, VA or conventional.

We hold no field to split on and we are not going to guess one.

An order segments on:

• Lead type.
• States.
• How many you take a day.
• The credit, income and value thresholds set on it.

If that split is what decides this for you, it is a new form question and a custom order, so raise it on the call.