Mortgage & Refinance Leads — Real-Time Non-FCRA

A real-time flow of in-market mortgage and refinance consumers, derived from GSDSI web-behavior intent, home-ownership indicators, and non-FCRA credit-adjacent signals. Designed for mortgage brokers, direct-to-consumer lenders, refinance servicers, and home-equity providers who need daily lead flow with ownership and mortgage-interest context rather than cold demographic prospects.

Key Features

  • Real-time / daily flow
  • Non-FCRA signal product
  • Home-ownership linkage
  • Nationwide U.S. coverage

Feed Specifications

  • Record scale: Real-time / daily flow
  • Coverage: United States
  • Refresh cadence: Real-time / daily
  • Delivery formats: CSV, API, S3, SFTP

Evaluation and Procurement

GSDSI ships every feed with documented provenance, privacy-envelope representations (CCPA/CPRA + state-privacy-act compliance, CAN-SPAM + TCPA where applicable, FCRA-ineligible labeling for consumer-report-adjacent datasets), and delivery-method flexibility (flat-file, S3, SFTP, Snowflake share, or direct API via Octopus DaaS). Buyers typically run a paid pilot against a matched sample before committing to a production license — pilot scope, match-rate targets, and data-residency terms are defined per contract.

Typical buyer motions

  • Attach an evaluation sample to an existing internal dataset, measure match rate and signal lift versus current production data.
  • Run a deterministic deduplication + privacy-posture audit before any activation — GSDSI provides the provenance chain on request.
  • Stage delivery into a clean-room or data-warehouse share before production wiring — GSDSI supports Snowflake secure data share and AWS Data Exchange delivery patterns.
  • Define refresh SLA, breach-notification window, and deletion SLA explicitly in the commercial contract — GSDSI ships template language on request.