What to send your compliance team or partner before you buy mortgage leads

The compliance checklist to forward

Each item in this checklist is what a compliance reviewer or a partner usually wants to see, followed by where it is on our site. Every link goes to a public page, so the list can be forwarded as it stands. The agreement itself is not public: we send it before you pay, so their compliance team can read it first.

1. The consent wording. The borrower ticks a box on our landing page form themselves. 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. The exact sentence is timestamped and versioned. What a usable consent record contains: what TCPA consent on a mortgage lead is.
2. How consent is recorded. A TrustedForm certificate by ActiveProspect, captured on the landing page form and pulled on request. For our Facebook lead forms, where the form shows a consent box, we store the consent wording the form showed and the consumer’s checkbox answer with the lead. What a certificate proves, and what it does not: what a TrustedForm certificate is.
3. Where the FCC one-to-one rule stands. Reviewers still ask about it. The Eleventh Circuit vacated it in January 2025, before it took effect, and the FCC restored the earlier rule text in August 2025: is the FCC one-to-one consent rule in effect for mortgage leads.
4. The phone check. Phone verified on our landing page leads. Leads from Facebook lead forms pass Meta’s own one-time code step before the form can be submitted. Which check proves what: how a mortgage lead phone is verified.
5. Security testing. An independent U.S. firm penetration tested our lead system in October 2026, from the landing pages and lead forms to the API, access controls, CRM delivery and the admin system, and found no critical, high or medium severity issues. The scope, the results and the signed attestation letter to forward are on our security page.
6. Exclusivity, in writing. One lead goes to exactly one client. It is in Section 2.3 (Lifetime exclusivity) of the Lead Generation Service Agreement every client signs, quoted word for word on our FAQ under what exclusive means, exactly.
7. Invalid leads. 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, summarised with the other terms in our terms at a glance.
8. 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, and am I locked in on our FAQ.
9. The prices. The list price for every lead type, and the cost per funded loan each works out to, are on our pricing page.
10. How we compare. Mortgage lead providers side by side, from what each one publishes on its own pages: mortgage lead providers compared.
11. Who regulates lead generation. No single agency does. What the FTC, the FCC and the CFPB each hold, and where the states come in: who regulates mortgage lead generation.

“The Contractor will not sell, resell, rent, license, share, or otherwise disclose any Qualified Lead or its data to any other client … at any time, including leads that are old, unresponsive, or have not converted. This Section survives termination.”

Source: VisionXLab Lead Generation Service Agreement, Section 2.3 (Lifetime exclusivity), as quoted on our FAQ; the ellipsis marks words left out, and in the agreement “the Contractor” is us. Sections 5 and 7 in the wording published on our About page. The consent and phone wording is the wording on our FAQ and on the pages linked above.

What your partner or branch manager will ask about

A partner or branch manager usually asks about money and results more than about consent. The figures below are the ones we publish, each with its label. The close rate and the reported contact rates are what our clients report to us, not a promise, and your own team’s numbers decide yours.

• Contact rate: expect 30% to 40%. Clients report 40% to 50% in the first weeks and 60% to 70% over 90 days.
• Close rate: clients report an average close rate of 8% to 9%. Our pricing page works out the cost per funded loan at 8.5%, the average close rate our clients report, not a figure we measure.
• Price: $70 to $130 each at list price, set by lead type, on our pricing page. For a team, the number is set on a call.
• Commitment: signed agreement, no lock-in. Every order is prepaid, and there is no retainer.

Source: the contact rate as published on our homepage, expected and client-reported figures labelled as such; the close rate as published on our FAQ and on our pricing page, labelled client-reported; the list prices as published on our pricing page, read 23 October 2026.

If your compliance team wants to ask us directly

Invite them to a second call, built around a first order for your states and a live test lead into your CRM. Whatever your compliance team needs to see, ask for it on that call. If your company has to set us up as a vendor first, we fill in the vendor paperwork, and no lead is delivered to you before your approval clears. What that involves is in our FAQ under setting us up as a vendor.