Refi, purchase, and HELOC leads with Jornaya TrustedForm certs on every record — sourced from rate-alert opt-ins, deed signals, and equity-rich filings. Flat CPL. No trigger-lead workarounds. Post-HPPA compliant out of the box.
Open-market trigger leads are effectively dead under HPPA. Our wedge: consented intent, documented at capture, delivered to your CRM in minutes.
Individual + company NMLS pulled from Consumer Access. State licensing map confirmed before activation.
Pick licensed states and products (refi / purchase / HELOC). Capture your TCPA partner-seller language for joint consent.
Lead lands with TrustedForm cert URL, IP, timestamp, partner-seller list, and recorded disclosure version. Stored five years.
Pricing benchmark: NerdWallet partner runs $160–$195 / lead at similar intent. We're priced 60% lower because our signals are public-record + rate-alert opt-in, not third-party rate-table CPL.
Marketplace-shared leads are cheap and low-intent. Premium rate-table CPL is high-intent and expensive. We're the consented middle.
| Provider | Model | Entry | CPL / typical | Exclusivity | Post-HPPA |
|---|---|---|---|---|---|
| DIFT Rates | Consented, flat CPL | — | $65 refi · $85 purchase · $120 HELOC | Documented per lead | Native compliant |
| LendingTree partner | Marketplace | Deposit-funded | $30–$150 | Shared 4-way | OK |
| Bankrate | Rate-table CPL | — | $200–$250 | Premium shared | OK |
| NerdWallet partner | Direct partner | — | $160–$195 | Direct | OK |
| Experian (trigger) | Trigger lead | — | $20–$150 | Open | Effectively dead |
| LowerMyBills | Shared | — | $15–$45 | Volume / low intent | OK |
HPPA: Homebuyers Privacy Protection Act, March 2025 — restricts trigger-lead use to existing relationship, current servicer, or consumer consent.
Cross-sell to your refi customers' HOI shop. Or feed your purchase pipeline from real estate signal.