Vertical 05 / 11
Mortgage
Mortgage leads touch more federal rules than almost any other product. Our role is narrow and clean: we find homeowners and buyers who ask to talk to a lender, then hand them to a licensed loan officer with the paperwork in order.
Quick read
- What we supply
- Purchase inquiries
Refinance inquiries
Home-equity and HELOC inquiries - How it arrives
- Ping-post, direct post, transfer
- Rules that bite
- RESPA Section 8; TILA, Reg Z and MAP rule; NMLS licences; TCPA
A couple stand on the lawn of a house they hope to buy at twilight.
Who buys, and why
Buyers are retail lenders, mortgage brokers and the networks that serve them. Purchase demand follows the seasons; refinance and home-equity demand follows rates.
Speed matters, but so does structure. How a lead is priced can carry RESPA consequences, so we agree it carefully.
Pick a delivery model
| Point of comparison | Ping-post | Direct post | Live transfer / calls |
|---|---|---|---|
| You receive | The full record, once your bid wins | Every record that passes your filters | A consumer live on the phone |
| Price | Bid in real time on a partial record | A fixed amount set in writing | Per transfer or billable call |
| Consent must name | Every buyer who could win | You, or a short list | The team the caller reaches |
| Contact speed | Seconds, then your dialler | Seconds, then your dialler | Instant |
| Suits | Networks and buyer panels | One buyer, steady filters | Licensed teams on shift |
Mortgage programmes run on all three. Which one suits you comes down to how quickly your team picks up and how many buyers one record should reach. It is settled on paper before the first click.
Inside a good record
We capture
- Name, phone, email
- Purchase, refinance or home equity
- Property state and ZIP
- Estimated home value and loan balance
- Property type and use
- Self-assessed credit band
- Timeline
You can filter on
- Licensed states
- Loan type
- Loan-to-value range
- Minimum loan amount
- Credit band
Signs the intent is real
Use these to judge our traffic for yourself:
- Picked a loan purpose and timeline
- Value and balance are consistent
- Property state matches the ZIP
- Asked for a call or a rate review
Your scorecard
The numbers mortgage teams tend to judge a source by. During a test we ask for them per source and per day so we can tune. They are measures for you to fill in, not results we claim.
The rulebook
One consent standard, every vertical. Each funnel collects prior express written consent that names the business, or the short list of businesses, allowed to call or text. The FCC's 2023 one-to-one rule was struck down by the 11th Circuit in January 2025 and never came into force. We name sellers anyway: it reads more honestly to consumers, buyers often require it, and it holds up better under challenge.
RESPA Section 8. Paying or accepting anything of value for referrals of settlement service business is prohibited. Paying for leads as a marketing service is generally viewed differently, but structure matters: fees should reflect the value of the marketing, not the referral.
TILA, Regulation Z and Regulation N. Ads using trigger terms need extra disclosures, and the Mortgage Acts and Practices rule forbids misrepresenting rates, fees, government ties and other terms.
NMLS and state licences. Only licensed lenders or brokers may take applications. Growth Box takes no applications and quotes no rates.
No trigger data. We do not use credit-bureau trigger leads. Every record comes from a consumer who completed our form.
Fair housing and lending. Targeting cannot exclude protected classes, and housing ads on major platforms follow their special ad category rules.
Where it goes wrong
The risk"Today's rate" headlines with nothing behind them
What we doNo specific rates unless the lender supplies compliant copy.
The riskImplied VA or FHA endorsement
What we doNo government seals or "official programme" wording.
The riskLeads in states you are not licensed for
What we doState routing per buyer, in writing.
The riskPaying only when a loan funds
What we doWe price per lead or per call and flag closing-contingent structures for your counsel.
Ask any publisher this
- How is the lead priced, and does that respect RESPA Section 8?
- Does any ad mention rates without the required disclosures?
- Are property states matched to our NMLS licences?
Our answers come in writing, before you commit to a test.
Ways to receive it
- Ping-post or direct post into your LOS or CRM
- Live transfers to licensed loan officers
- Inbound calls during staffed hours
Each record travels with its source, landing page, disclosure version, timestamp, IP and, if you need one, a consent-certificate reference. More on how it works.
Quick questions
Do you quote rates?
No. Rates and applications belong to the licensed lender.
Can we pay per funded loan?
Our default is per lead or per call. Closing-contingent pricing is something to review with your own counsel first.
Put us on a short leash.
Tell us the market, the states and how you take delivery. You get a written test back: caps, filters and return terms.
Start a capped test →