In-market mortgage and refi consumer leads from web-intent and home-ownership signals. Non-FCRA.
Since 2018
Privacy-safe enterprise data
VOSB & SDVOSB
U.S. Veteran-Owned, Service-Disabled
SCC Transfers
EU/UK/CH per privacy policy
GDPR · CCPA · CPRA
Consent-first data sourcing
Overview
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.
Need an API key + JSON sample?
For technical evaluation, we can provide a sample payload, schema notes, and delivery options (S3/SFTP/Snowflake) aligned to your workflow.
A representative slice of the Mortgage & Refinance Leads schema. The data dictionary shared during evaluation lists every field with its type, nullability, join keys, and refresh cadence.
Field
What it contains
lead_id
Stable identifier for the mortgage or refinance lead.
first_name
Consumer first name for permitted marketing use.
last_name
Consumer last name for permitted marketing use.
email
Email address associated with the lead when available.
phone
Phone number associated with the lead when available.
property_id
Identifier linking the lead to available home-ownership context.
mortgage_intent
Observed mortgage or refinance interest classification.
modeled_ltv
Modeled loan-to-value indicator for marketing segmentation only.
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.
Mortgage lead procurement should focus on non-FCRA boundaries, in-market signal freshness, licensing geography, contactability, and whether modeled mortgage attributes are appropriate for marketing rather than eligibility decisions.
Confirm the product is used only for marketing/prospecting and not FCRA-regulated decisions.
Validate signal freshness, source categories, and lead aging before sales-team routing.
Match lead geography to licensing footprint and suppression requirements.
Review contact fields, opt-out handling, and permitted outreach channels.
Frequently asked questions about Mortgage & Refinance Leads
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.
Is this a non-FCRA product?▾
Yes. The product is explicitly non-FCRA. It is not a consumer report, is not derived from credit-bureau tradelines, and must not be used for FCRA-permissible-purpose contexts like underwriting, pricing, or adverse-action decisions. Typical use is marketing and prospect targeting.
How are the leads sourced?▾
Signals are fused from three upstreams: GSDSI web-behavior intent (mortgage-calculator visits, rate-comparison pages), property and home-ownership indicators from the Real Estate Property Data asset, and non-FCRA credit-adjacent signals like observed refinance-window timing and life-event triggers.
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.
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