For prospective buyers
Buyer due diligence everything you'd ask before your first order.
Last updated: October 5, 2026
What every lead you buy meets
- 100% exclusive to you — never resold or shared
- Fresh, inbound request — delivered within seconds of the borrower submitting
- Never aged, purchased, or recycled data
- Borrower-reported 660+ FICO
- Borrower-requested loan amount of $200,000+
- Only the loan types you choose (e.g. DSCR purchase and/or refinance)
- Only the states you choose
- Covered by the 7-day replacement policy
Where every lead comes from
LendingFlow operates its own consumer-facing lender-matching website. Borrowers reach it through our own Google Ads, Meta (Facebook/Instagram) ads, and organic search, and complete a multi-step funding request.
No aged lists, no purchased or co-registration data, no incentivized traffic, and no third-party lead swaps. We don't publish the consumer site's address so it isn't used to "test" lenders.
Consent on every lead
Every borrower submits their own funding request and agrees, before submitting, to be contacted about it by the one lender they're matched with — never a list of partners or a shared marketplace. The consent record for any lead you purchase is available on request.
How lead criteria are captured
Credit band and requested loan amount are reported by the borrower on the form at submission; LendingFlow does not run a credit pull. The form offers the full credit range starting at 300, so borrowers have no reason to overstate, and any submission under 660 FICO or under $200,000 is never delivered to you.
If a lead turns out to have misstated their FICO, loan amount, state, or loan type, it's covered by the replacement policy.
How exclusivity is enforced
Each lead is assigned to exactly one buyer by our distribution system, which logs a timestamped routing record per lead: which buyers were considered, which filters matched, and the single buyer it was delivered to.
Every delivered borrower is added to a master suppression list going back to when LendingFlow started generating leads, so the same borrower is never delivered to a second lender — even if they submit again later. Leads are never resold.
Sample routing record (redacted)
- Lead
- LF-••••••
- Loan type
- DSCR Refinance
- State
- Ohio
- Lenders evaluated
- 23
| Time (UTC) | Event |
|---|---|
| 00:43:57.508 | Borrower request received |
| 00:43:58.830 | Routing started |
| 00:43:59.917 – 00:43:59.939 | 23 lenders checked against their filters: 19 filtered out (11 state not in coverage, 3 loan type not offered, 4 paused, 1 daily cap reached); 4 matched |
| 00:44:00.140 | Rotation: Lender B and Lender C not selected |
| 00:44:00.501 | Delivered to Lender A (3 seconds after the request was received) |
| 00:44:01.250 | Accepted by Lender A |
| 00:44:02.078 | Lender D (eligible) closed out, not attempted — lead complete, delivered to one lender only |
Real record from an October 2026 DSCR lead. Lender names redacted. The routing record for any lead you purchase is available on request.
Replacement terms
One policy applies to every lead type and every order size. Submit requests through the Client Portal within 7 days of delivery. Approved requests receive one free replacement lead, not a refund or credit.
Updated September 24, 2026: the replacement window changed from 72 hours to 7 days. The 7-day window applies to every order and lead type.
4.2%
of all delivered leads replaced under our policy
All-time figure, measured September 8, 2026 (23 of 552 delivered leads).
Eligible
- • Invalid contact info: disconnected or non-working phone, wrong number, or bounced email
- • No response after 5+ call/email attempts over at least 5 days
- • Lead misstated their information: FICO below 660, loan amount below $200,000, or a different state or loan type than they submitted
- • Person denies submitting the request or is not a borrower, such as a broker or vendor
Not eligible
- • Reached but not interested
- • Changed their mind
- • Obtained financing elsewhere
- • Doesn't fit your own program or underwriting guidelines, including property type, down payment, experience, or liquidity
- • Request submitted more than 7 days after delivery
These exact terms are included in the order authorization you sign before your first invoice. Read the replacement policy and Terms of Service.
See the sample order authorization →Talk to current customers
We're happy to connect you with current lenders who buy from us. References are arranged after an intro call, so we can match you with someone buying the same loan types.
Book an intro call →Vendor documentation
Business and vendor documentation for your onboarding or compliance file is available on request — email info@lendingflow.com.
Start your lead order. $50 per exclusive lead.
Pick your lead type and order size and we'll email your quote right away, with a link to get set up. Orders of 100+ leads include volume pricing. Questions first? Book a 15-minute call.