Conventional Rate & Term
Above-market conventional mortgages
Homeowners whose recorded conventional mortgage carries a modeled rate above today's market — the core refinance population when rates move.
How this segment is built
Recorded conventional mortgage instruments with rate modeled from recorded original terms and origination date, filtered against a market benchmark you choose.
Source list, last-refresh date, suppression timestamps and a phone match-confidence flag ship on every record. There is no consent artifact, because public-record data does not carry one.
Who this is for
Lenders and brokers originating conforming rate-and-term refinances at volume.
- High-volume refi desks that live on rate movement
- Teams that can work a large list on a dialer
Watch out
This is the most rate-sensitive segment in the catalog. The size of the qualifying population moves with the market, so pull close to when you plan to work it.
Filters applied
- Modeled current rate above your chosen threshold
- Modeled remaining balance band
- Modeled LTV band
- Months since origination
Fields on this segment
On top of the 28 standard columns that ship with every record.
- Modeled current rate
- Modeled remaining balance
- Modeled LTV
- Origination date
- Recorded loan type
Tiers for this segment
| Tier | Per record | Minimum | Exclusivity |
|---|---|---|---|
| Exclusive | $0.85 | 1000 | Sold once. Suppressed from other orders for 90 days. |
| Shared | $0.42 | 2000 | Capped at 3 buyers. Never more. |
| Bulk | $0.16 | 10000 | Non-exclusive. Priced accordingly. |
Vonta is not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs, HUD, the FHA, or any government agency. Segment names describe the recorded loan type on the property, nothing more.
Conventional Rate & Term data — common questions
- How much does Conventional Rate & Term data cost?
- Exclusive Conventional Rate & Term records are $0.85 each with a 1,000-record minimum. Shared is $0.42 per record, and bulk pulls start at $0.16. Volume discounts of 5–15% apply from 5,000 records. Pricing is flat and identical for every buyer at the same volume, and orders above 100,000 records are quoted by the enterprise desk.
- Where does Vonta's Conventional Rate & Term data come from?
- Recorded conventional mortgage instruments with rate modeled from recorded original terms and origination date, filtered against a market benchmark you choose. These are not consumer inquiries — nobody submitted a form, and no record carries consumer consent to be contacted. Vonta does not sell credit reports, credit scores, prescreened lists, or mortgage trigger leads.
- Is Conventional Rate & Term data safe to call?
- No data vendor can tell you that, and we will not. These records carry no consumer consent, so contacting them is cold outreach and the full TCPA, Telemarketing Sales Rule and state telemarketing obligation sits with you as the caller. Before delivery we suppress against our internal opt-out list and a known-litigator list, and we run National Do Not Call Registry suppression under your own Subscription Account Number. You must still scrub within your own 31-day cycle.
- How do I buy Conventional Rate & Term data?
- Create a Vonta account, then place your order on the site. We verify your NMLS ID through NMLS Consumer Access and confirm your DNC Subscription Account Number, pull your selection, and email the CSV to your account address.
- How is Conventional Rate & Term data delivered?
- As a CSV emailed to the address on your account, typically within one business day of your order clearing verification. Fulfilment is handled by a person rather than an automated feed while our inventory is being built out.