What Are OTP Verified Borrower Leads?
OTP verified borrower leads explained: how one-time SMS code phone verification works, why it matters for lenders, and how LendingFlow verifies every lead.
An OTP verified lead is one where the borrower confirmed their phone number with a one-time passcode (OTP) sent by text before submitting their request. At LendingFlow, every lead from every source goes through this step.
How it works
- The borrower enters their phone number on the request form
- A one-time code is sent to that number by SMS
- The borrower enters the code to confirm the number before the request is submitted
- Requests that never confirm a number are not delivered
Why it matters for lenders
A wrong or fake phone number is the fastest way to waste a lead. Verifying the number up front means the person who filled out the form controls the phone you're about to call, and fewer requests end in disconnected or wrong numbers.
What OTP verification does not do
It confirms the phone number, not the borrower's finances. LendingFlow's FICO and loan amount floors (660+ and $200,000+) are borrower-reported at submission. If a lead misstated them, our replacement policy covers it.
Get OTP verified, exclusive leads
LendingFlow leads are exclusive and OTP verified, starting at $50 per lead and dropping to $35 per lead on orders of 200+. See pricing or get a quote.