Free Mortgage Lead Info

  1. (required)
  2. (valid email required)

Mortgage Leads that Convert

Mortgage Lead Vault has numerous mortgage loan portals that receive high traffic and a significant amount of quality mortgage leads from consumers that want to refinance, purchase or request a loan modification from a lending professional.
AddThis Feed Button

Mortgage Lead Vault Pages

Current Mortgage Rates

Recent Posts


Buy Mortgage Leads

Loan Modification Directory

Mortgage Lead Vault Pages




Since the subprime mortgage crisis eroded to the worst housing depreciation since the Great Depression, finance analysts and Wall Street executives are taking mortgage fraud a lot more seriously. Activity climbed on mortgage fraud cases being prosecuted in California, leaving the state with more fraud than any other. California lenders extended the lowest rates ever recorded, but the percentage of homeowners with underwater mortgages has still grown dramtically. New York lenders also reported an increase in mortgage fraud. While Florida lenders topped the mortgage fraud index list. But as a whole, the nation’s case activity of mortgage fraud incidents was actually decreasing. Many of the politicians have pointed towards the Dodd-Frank financial reform bill that was passed in 2009, but most of the policies of this bill have not been implemented because of the difficulty of its framework. Still MLV reported a sharp spike in California mortgage leads last quarter.

According to the Sacramento Bee, the 3rd Quarter 2011 Mortgage Fraud Index from came in at 1170. The index represents activity on civil and criminal cases. Victim lenders were deceived by fraudulent documentation or inflated appraisals. Cases were tracked from the mortgage fraud blog According to Mortgage Daily founder Sam Garcia, “The Mortgage Fraud Index reflects current efforts by law enforcement officials to prosecute defendants who typically committed mortgage fraud three to five years ago.”

Period Amount # Cases
Q3 2011 $1,333.189,232


Q2 2011 $1,587,573,586


Q3 2010 $1,850,531,120


The number of cases with activity in Florida climbed, giving it the worst state fraud index. California had the second-highest index, followed by Minnesota.

Top States by Index













Based solely on the dollar amount of cases with 3rd quarter activity, California’s $204 million was highest. MLV reported an increase in New York mortgage leads in 3rd quarter as well.

Top States by Total Amount

ST Amount
CA $204,273,490
NY $199,600,000
FL $144,320,669
SC $108,978,654
MN $76,400,000

What does this mean for lenders? If mortgage fraud decreases then likely banks will losen their home loan guidelines which could help increase loan origination. It also means that lenders and brokers should be investing in mortgage leads from a trusted source.  Read more: Mortgage Reform Article Published by the Sacramento Bee



Last month the Obama administration announced a new refinance solution that intended to help borrowers that had negative home equity and were unable to refinance their home. The federal government announced these new changes that aimed to simplify the refinance process for distressed borrowers who owe more on their home loans than their houses are worth. Millions of homeowner have been unable to meet the standards of a refinance loan set forth by conventional lenders so the revised government initiative will hopefully provide some much-needed payment relief to struggling consumers nationally. According to several sources, defaults on 2nd mortgage products have leveled off this year.

There are several criteria that must be met to qualify for the updated Home Affordable Refinance Program, though. For instance, your current loan-to-value ratio must be greater than 80%. The new HARP program has no loan to value restrictions so more underwater homeowners have a new opportunity to refinance their mortgage.

The Lead Planet announced they were generating HARP leads and this is a good indication that the lenders are seeking underwater mortgage leads. We will be working with several lead generators in addition to the Lead Planet in an effort to improve mortgage marketing leads for lending sources across the country.

The changes to HARP mortgage program are intended to help homeowners who are current on their loans but have been unable to take advantage of historically low interest rates by refinancing because they are “underwater” on their mortgages.



In a recent blog posting, the Home Loan Wholesale revealed their insight for breaking home mortgage trends in 2012. They noted the challenged that consumers and loan professionals will have with higher rates and new mortgage laws that could tighten loan guidelines even more.

At a time when foreclosure rates are sky-rocketing and the process for funding a loan has become ridiculous — Is this what we need to escape the housing crisis? I think not, but nonetheless, the article puts forth the home loan programs they see playing a role in financing and home mortgage refinancing in 2012.  Sure there are less no-prime and stated income home loans being offered but the HARP program should still be considered as aggressive. When buying mortgage leads consider these trends and adjust your marketing accordingly.

  • FHA Loans – These government home loans will continue to help new home buyers because of the small down-payments needed to buy a home. Forget about the rising insurance costs and FHA rates, FHA is the only program the average consumer has available to buy a home.
  • VA Loans – This program remains accessible to vets and active military personnel with flexible guidelines that can’t be beat.
  • Conventional Mortgages – If the rates continue with their current trend, most mortgage lenders will be bored in 2011 for the lack of business.

Loan professionals may have some challenges ahead of them, so buying mortgage leads that perform is more important than ever.  Make sure that you are evaluating marketing and mortgage lead performance more than ever. Read the complete article from the Home Loan Wholesale Blog > 2011 Home Loan Programs