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.
• 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, as a self-serve pack only at visionxlab.com/mortgage-s1.

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.

Prequalified, 100% exclusive, fresh mortgage leads: 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 seconds later.

• Purchase, refinance, cash-out or DSCR, whichever you bought.
• On our landing pages, their phone number is confirmed by text before anything is delivered.
• On our landing pages, their consent is captured with a TrustedForm certificate, pulled on request.

The longer answer

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 and email with no time limit, so the same borrower never lands on your desk twice.

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

The longer answer

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 form does 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.

The longer answer

As soon as somebody submits our form, they are in your CRM, ready to call. The median is under one second, and 97 of 100 arrive inside ten seconds.

• 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.

The longer answer

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.

The longer answer

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.

The longer answer

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 longer answer

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 and live, and whoever filled in the form had that phone in hand.

Leads that arrive through an advertising platform's own in-app form go through that platform's own one-time code step instead. The form cannot be submitted without the code, so a lead that fails it is never created.

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.

The longer answer

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%.

Both are what officers report back to us. We deliver into a CRM we do not own, so the platform records no closings of its own and most delivered leads never get a status pushed back.

Nobody publishes an independent figure for this stretch of the funnel either, which is worth reading about before planning against any lead-to-funded number, ours included.

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.

The longer answer

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.

The longer answer

Straight into your CRM.

• We connect natively to several mortgage CRMs.
• 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, and we want you to keep the CRM and the calling process your team already knows.

• We connect through a secure one-way webhook or 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.

How consent is recorded:

• The exact sentence they agreed to, timestamped and versioned.
• A TrustedForm certificate by ActiveProspect, captured on the landing page form and pulled on request.

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.
• Your compliance team can ask us to pull a certificate on request.

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

The longer answer

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 longer answer

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.

The longer answer

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.

• The setup itself is one call of 30 to 45 minutes with whoever owns your CRM.
• Getting to it 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.

The longer answer

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.

Inside five minutes of the lead landing, during your office hours. That is the rule we hold clients to, not a suggestion, and it is the same five minutes everywhere we state it.

• That is not a preference: it is what our own numbers and our highest performing clients say.
• The study behind the idea supports calling inside the hour. The five minute figure is ours, from our own clients, not something the research measured.
• 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.
• A lead that lands outside your office hours is called at the start of the next one, not overnight.

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.

The longer answer

Branches and broker shops with five or more producing officers that already pay for leads, transfers, mail or ads. Ten or more producing officers is where it fits best.

Built for:

• Five or more producing officers, ideally a branch of ten or more, or a calling floor with a dialer.
• Your team already pays for leads, transfers, mail or ads, and you know what a funded loan costs on each source, or want to.
• You have a CRM, and someone calls each lead within minutes of it landing, then does the follow-up.
• You sign off on a first order yourself, or you bring the person who does.
• You want cash-out or purchase leads on a primary home, statewide in the states you are licensed in.

Not a fit, and where to go instead:

• A solo loan officer: the packs at visionxlab.com/mortgage-s1 are the same exclusive leads, bought without a call.
• DSCR or investor loans: sold only as self-serve packs at visionxlab.com/mortgage-s1, without a call.
• A zip code or county territory: we deliver by state, on calls and packs alike.
• You want live transfers, appointments or white-label leads under your own brand: we sell exclusive leads only.
• The cheapest lead possible at aggregator volume: we compete on funded loans, with exclusive, fresh, pre-qualified, prepaid leads.

A desk of one is the hardest case, and not because of effort. The lead lands while that person is in an underwriting call, and by the time the phone is free the consumer has moved on. It is worth reading what has to be true first.

The longer answer

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 five 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.

The longer answer

No. We work order by order, and every order is prepaid.

• 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.

Pricing runs per lead type, so there is no single number. For a solo loan officer, the packs are published and you can buy one without talking to anybody: visionxlab.com/mortgage-s1.

With a team of five or more producing officers, we go through the number on the call, because it depends on the products you want, the states you are licensed in and the daily cap you set.

A published pack price is a fixed price for a fixed thing. A rate card and an average taken from one seller's book are different objects, and they are the reason a number quoted elsewhere in this market is rarely the one you would be charged.

• 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.

The longer answer

Forty-five 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.

No problem at all, we are used to it.

We fill in the vendor paperwork, and no lead is delivered to you before your approval clears. Bring the person who owns approval to the call.

What we fill in:

• Our W-9 and company details.
• Your security and compliance questionnaire.
• Your MSA, which we read and redline.
• An invoice to the branch, so the order runs through the branch P&L.

What compliance usually asks first:

• Consent: a box the homeowner ticks on our landing page form, naming us and the lenders on our published partner list, with a TrustedForm certificate by ActiveProspect pulled on request.
• Where leads come from: our own ads, sending people to our own landing pages or to the in-app lead form on those ads. An order can be limited to our landing pages.
• How they arrive: a one-way webhook or our API, into your company's CRM once approval clears.

Start the paperwork in parallel with sizing the first order. In parallel means the paperwork only: no lead is delivered and nothing has to be paid until approval clears.

• Approval is your side's process, and at larger lenders it has run into months.
• Want the first order ready the day approval lands? Optional, and only if your company allows it: hold it with a deposit we return if approval does not come through.

Yes. For the first order, test the leads with your best LOs so you have a reliable sample of sales data.

After that, scale the volume across the branch.

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.

Partly. 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.

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.