Nobody checks which leads can actually fund.
Most internet leads can’t fund a loan the day they’re created, and the call scramble never stops to look. So fundable borrowers get marked dead and walk. Revive reads the property record behind every aged lead and sells you only the ones verified fundable today.
Nearly half the leads you pay for can’t fund a loan.
A real-time lead is whatever the consumer typed. Nobody reads the property behind it. On 40 to 50% of them the collateral fails: the title won’t match, the home just refinanced, the equity isn’t there, the property is the wrong type, or the address is bad.
Part of that is how the lead was made. The forms are built so a borrower can’t get it wrong. The loan amount slider starts at $250,000 and only goes up, the home value is assumed, and nobody asks what kind of home it is. A single-family house, a co-op, an estate, a rural parcel: the form doesn’t care. The title record does. A Revive buyer never sees those leads. We read the property before the lead is sold.
of the leads a real-time buyer pays for can’t fund a loan.
What we check, in under a second.
We use the same title data that underwrites every mortgage in America, not a modeled score trained on guesses. Revive runs a 291-element property match on every record, and the engine weighs the whole picture. The ten below are a sample of what it reads.
The engine decides if it can fund. The classification decides what it funds as: every record we deliver arrives tagged with its candidate loan type, one of 60, so your floor pitches the right loan on the first call.
- Address & owner matchbad address = no verdict
- Open liensevery loan on the property
- Amount financedwhat they borrowed
- Product typewhat kind of loan it is
- Lender on the lienwho they borrowed from
- Date of last loanalready refinanced?
- AVM rangelow, middle and high
- Estimated equityroom for the new loan
- Default or foreclosuredistress on record
- Rate & ARM termswhen the rate resets
Every Revive lead begins as an aged internet lead. The market writes them off. We watched them fund.
Somebody else bought each one new, worked it for two or three weeks, and stopped calling. The borrower didn't stop needing the mortgage. So we read every record against the same bank-grade title data that underwrites every mortgage in America, separate the opportunities from the rest, and let the engine pick the ones that can still fund.
- Day 0the homeowner asked about a loan online
- Day 33HELOC · Wings Financial Credit Union
- Day 45HELOC · HighTechLending
- Day 57VA · Valorem Lending
- Day 71Conventional · TriState Capital Bank
- Day 89FHA · iServe Residential Lending
- Day 111HELOC · Summit Credit Union
- Day 138Conventional · Popular Bank
- Day 166VA · Flat Branch Mortgage
- Day 197HELOC · Great Southern Bank
- Day 226Conventional · Plains Commerce Bank
- Day 255FHA · Residential Mortgage
- Day 283VA · Imperium Lending
- Day 313HELOC · South River Mortgage
- Day 344Conventional · Belco Community Credit Union
- Day 373FHA · Veritas Funding
- Day 402VA · River City Mortgage
- Day 431HELOC · SmartFi Home Loans
- Day 469Conventional · Alameda Mortgage
Two out of three closed with someone other than the real-time buyer. Some funded in the first three months. Most funded long after everyone stopped calling.
Twenty-six orders. 23,326 loans the public record can prove.
Revive exists for one simple reason: lenders fund more loans. Twenty-six orders, 23,326 loans, every one on the public record.
- 1,500Leads delivered
- 86Loans funded, any lender
- 5.73%Funding rate
- Order 1 of 26watched 130 days
Across all twenty-six orders: 202,244 leads delivered, 23,326 loans funded.
23,326 liens on file. Not one estimate.
We sell it. We watch it. We match it back. We retune.
We run Performance on every lead we deliver. Each one is matched back against the public record, so we know which Revive leads funded, which did not, and who won the ones you lost. What funded goes back into the engine, and the next pick is better for it.
And because homeowners borrow again and again, the watch keeps paying: when a borrower comes back around, the same engine that read them the first time hands them to Recapture.
We sell it
The verdict ships as a Revive lead.
We watch it
The property behind it is read for as long as the borrower stays on title.
We match it back
Every lien that records is tied to the lead it came from, and to the lender who won it.
We retune
What funded retrains the engine. The next pick is better for it.
The engine is trained on what funded, not on what someone typed.
The Real Time Myth
July 2026 · 8 pages
We tracked more than 500,000 real-time, first-party internet leads from a major national lender through public title and lien records, and benchmarked them against 430,000+ Revive-delivered records.
We never stop reading the property behind the Revive lead.
Title, deed, tax, and lien detail are public record. iLeads licenses them from multiple national title suppliers, the same records that underwrite real loans, and keeps reading the property behind every Revive lead on a running cycle.
- Title and liensChecked as often as weekly
- ListingsNightly
- Value and LTVMonthly
- RatesUp to daily
A lead enters our database once. We keep reading the property behind it from that day until the house sells.
The questions every lender asks.
Do aged mortgage leads actually work?
Revive doesn’t sell aged leads. It sells current verified opportunities that happen to have aged contact data. The intent was real when the consumer filled out the form; Revive checks the collateral to confirm the opportunity still exists today. If the property can’t support a loan, the lead is filtered out before you ever see it.
I already buy real-time mortgage leads — why add verified aged ones?
Keep them. Revive is an addition, not a replacement. Real-time leads cost $20-$70 and put you in a race with four or more lenders the moment they land — speed decides who dials first, not whether the borrower can fund. Revive gives you collateral-verified opportunities at a fraction of that cost, aged past that first-call frenzy, so you’re working leads that can actually fund instead of racing to one that can’t.
How do I know the property data is accurate?
Every field comes from bank-grade title records of the quality used to underwrite mortgages. Revive runs a 291-element property match and delivers the fields that move a funding decision. And you don’t have to take our word on results. The fundings are liens, on the public record.
How do busy loan officers work aged leads without losing time?
Revive opportunities are built for dedicated outbound teams, off-peak dialing, and direct mail, not for pulling your top closers off live transfers. The leads are pre-verified, so the time your team spends goes to opportunities that can actually fund.
What is a Revive lead?
A Revive lead is not just an aged mortgage lead. It starts as one: an internet lead a consumer submitted weeks or months ago, after the lenders who bought it fresh stopped calling. Then it goes through the Revive engine, where it’s matched to the property behind it and cleared on collateral. The records the property can’t support never reach you. What you buy is the one that passed.
How many Revive leads fund a loan?
About 1 in 7 Revive leads fund a loan, counted in our analyzed batches from the public record: a lien recorded 30 or more days after the lead was created. That rate belongs to the Revive lead, not to aged leads generally. It’s what’s left after the engine pulls out the records with no title match, a bad address, or collateral that can’t support a loan. Want proof? Pull the lien.
Are Revive leads exclusive to one lender?
No. Revive leads are shared, the same as they were when they sold fresh the first time. Distribution isn’t what separates a Revive lead from an aged mortgage lead. The verification is: every record we deliver has been matched to its property and cleared on collateral before it reaches you.
How long does an aged mortgage lead stay worth working?
Longer than the two or three weeks a real-time buyer gives it. Three out of four Revive leads that fund do it within six months of the original lead date. And a Revive lead isn’t a snapshot of that date: records with good collateral and the wrong timing go on the Watchlist, where the engine keeps reading the property until the data crosses your threshold.
What’s the difference between Revive and Recapture?
Revive sells you Revive leads: records we source, run through the engine, and deliver only once the property clears. Recapture points the same engine at the book you already own. Hand us your aged leads and past applicants, the engine watches them, and the borrowers who come back to life get warm-transferred to your loan officers.
If a Revive lead is verified fundable, why do only 1 in 7 fund?
Those are two different claims. Fundable is about ability: the property behind the lead can support a loan today, and the title record is what proves it. The 1 in 7 is an outcome we counted afterward in recorded liens, with any lender. A borrower who can fund still has to decide to, and then pick somebody. What Revive controls is the first part, so every record you dial is one the property can carry.
How does Revive verify a lead before it’s delivered?
Every lead is matched to the property behind it, then read: a 291-element property match, and a collateral look at value, loan-to-value, lien position, and any notice of default. The record comes out sorted into Fundable, Watchlist or Won’t Fund, and classified by loan type out of 60 candidates, so your LO knows what to pitch before the first dial. Between 40 and 50% of raw leads never make it through. A Revive lead is what’s left on the other side of that.
Stop buying leads that can’t fund.
Speed buys the conversation. Fundability buys the loan.Drew Warmington, Founder & CEO, iLeads