What are mortgage & refinance leads?

Real-time consumer leads for prospects currently in-market for a new mortgage or refinance. Each lead carries contact PII, home-ownership context, mortgage-interest signals, and a modeled LTV indicator where inferable. Used for top-of-funnel marketing — not a consumer report.

What's the delivery cadence?

Real-time via API for customers who can activate within an hour of signal fire, or daily batch via CSV/SFTP/S3 for customers who run overnight cycles. Volume varies with interest-rate environment and seasonality.

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.

Product Answer Summary

Product category: Land-Based Data & Specialized Files
What it contains: Consumer contact PII, Home-ownership indicators, Mortgage and refi interest signals, Modeled LTV indicators, Geographic concentration
Delivery formats: CSV, TXT, API
Who uses it: enterprise data buyers evaluating activation, measurement, analytics, enrichment, risk, or research workflows.

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

How Mortgage Leads Are Derived

GSDSI's Mortgage & Refinance Leads product is derived from multiple upstream signals in the GSDSI data graph: web-behavior intent events (mortgage-calculator visits, rate-comparison pages, lender-comparison sites), property and home-ownership indicators from the Real Estate Property Data asset, and non-FCRA credit-adjacent signals such as observed refinance-window timing and life-event triggers (new mover, recent home purchase). Signals are fused into consumer-level lead records with contact PII, home-ownership context, and a modeled LTV indicator where inferable. The product is non-FCRA — it is not a consumer report, is not used for underwriting decisions, and must not be used for FCRA-permissible-purpose contexts. Typical use is top-of-funnel marketing and prospect targeting.

Common Applications for Mortgage & Refi Leads

Direct-to-consumer lenders use the daily flow to keep sales teams fed with in-market prospects rather than cold rented lists. Mortgage brokers geofence the lead flow to their licensed markets and focus outreach where refi windows are opening based on rate moves. Home-equity and HELOC providers filter on property-value bands and modeled LTV to find owners in positive-equity positions. Lead-aggregator platforms ingest the feed as a supplementary supply layer alongside their owned inventory. Servicers use the mortgage-interest signal alongside their portfolio data to run retention and refi-capture campaigns on their own book of business.

How buyers diligence mortgage and refinance leads

Mortgage lead procurement focuses on non-FCRA boundaries, in-market freshness, licensing geography, contactability, and marketing-only use.

Product-specific diligence checks

Confirm marketing/prospecting use only, not FCRA-regulated decisions.
Validate signal freshness and lead aging.
Match geography to licensing footprint and suppression rules.
Review contact fields, opt-out handling, and outreach channels.

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