Question 1

How exclusive is exclusive?

Accepted Answer

One independent mortgage brokerage per market. Every borrower is generated under your brand, opted in to you, and transferred only to your loan officers. Never shared, never resold, never recycled into an aged list six weeks later - and we don't sign a competing brokerage in your territory while you're a client.

Question 2

How does a live transfer work?

Accepted Answer

A ready-to-borrow client answers your branded ad, gets screened on credit profile, loan size, timeline and down payment, then they are dialed and transferred live to your loan officer while intent is at its peak.

Question 3

Which loan types do you run campaigns for?

Accepted Answer

All the major products independent brokers write: purchase, rate-and-term refinance, cash-out refinance, HELOC, DSCR and investor loans, non-QM and bank-statement loans, and FHA/VA. Each product gets its own ads, qualification form and screening questions, and we build your campaigns around the products your brokerage writes most.

Question 4

Which markets are open?

Accepted Answer

We take a small number of US metros at a time specifically so exclusivity means something. Some markets are already spoken for. Tell us your territory on the Strategy Call and we'll tell you straight whether it's open or closed.

Question 5

What's required from my team?

Accepted Answer

A human who answers. Two or more producing loan officers who can take a transferred call inside the hour, plus your sign-off on ad creative and your NMLS ID. Everything else is done for you.

Question 6

Why a flat retainer instead of paying per lead?

Accepted Answer

Because RESPA. We charge a flat monthly fee for a marketing service - not per borrower, not per transfer, not a share of a funded loan. That flat-fee structure is precisely what keeps a mortgage broker clean; pay-per-lead and revenue-share models are the ones that brush up against Section 8. It also aligns us: the only way we grow is by making your pipeline good enough that you stay.

Question 7

What am I locked into?

Accepted Answer

A 90-day initial term - that's honestly how long it takes to build, launch and optimize a borrower funnel properly. After that it's month-to-month on 30 days' notice.

Question 8

How is this different from LendingTree, Bankrate or aged leads?

Accepted Answer

Those marketplaces sell the same borrower to several brokerages at once, so you buy the right to race competitors to the phone on price. We build a first-party, opt-in pipeline under your brand, transferred live to your LOs, in a CRM your firm owns outright.

Question 9

Do Meta ads really reach borrowers who close?

Accepted Answer

You're reading this because of one. Ready-to-borrow clients are on these platforms every day - the difference is reaching them under your brand first and qualifying them before your loan officer ever picks up.

Question 10

What is a live transfer in mortgage marketing?

Accepted Answer

A live transfer is when a qualified borrower is dialed and connected directly to your loan officer in real time. In our system a borrower responds to your branded ad, answers qualification questions, and - once they clear the screen - is called and handed live to your team. Your loan officers never call a cold record; they pick up to a screened, ready-to-borrow conversation.

Question 11

How do independent mortgage brokers get exclusive, ready-to-borrow clients without buying shared lists?

Accepted Answer

By owning the acquisition instead of renting it: branded ads run under the brokerage's own name and NMLS ID, borrowers opt in to that brand directly, qualification happens in real time, and the borrower is transferred live to the brokerage's loan officers. The data lands in a CRM the firm owns, so the pipeline compounds instead of resetting every month.

Question 12

Is paying a marketing company for borrowers RESPA-compliant?

Accepted Answer

It depends entirely on how the fee is structured. A flat monthly fee for a genuine marketing service is the clean structure, and it is the only one we use. Per-borrower, per-transfer, and revenue-share arrangements are the models that brush up against RESPA Section 8, because payment moves with settlement business. We are not a settlement service provider and we take no share of any funded loan. This is general information, not legal advice - run any arrangement past your compliance counsel.

Question 13

How fast does the system go live and when do borrowers start reaching my LOs?

Accepted Answer

Build and launch typically run about seven days: creative and compliance approval, qualification logic, call routing and transfer setup, and CRM setup. Live transfers start reaching your loan officers in the first weeks after launch, with the first 90 days spent optimizing the funnel around the conversations your team is actually closing.

Question 14

Who is Lead Prediction?

Accepted Answer

Lead Prediction is a specialist paid-acquisition firm working exclusively with US independent mortgage brokerages. The team - Joe Boyle (Founder), Eamonn Glancy (COO) and Sofian Jomaa (Head of Systems) - has spent five years running paid acquisition inside regulated financial services, with $5M in managed ad spend and contact rates up to 80% on qualified borrowers. We take one brokerage per market on a flat monthly retainer.

Straight answers.

Bring the question to the call.