HELOC & Home Equity Loans
Equity-rich homeowners on a low first lien
Homeowners with substantial modeled equity whose recorded first mortgage carries a low rate — the people a second lien suits better than a refinance.
How this segment is built
Assessor valuations and recorded mortgage instruments combined to model available equity and combined loan-to-value, filtered to first liens originated in low-rate periods.
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
Banks, credit unions and brokers with second-lien products, including standalone HELOCs and closed-end seconds.
- Lenders whose second-lien pricing beats a cash-out refinance
- Shops selling against a 3% first mortgage
Watch out
These homeowners are rate-protecting their first lien. Lead with why a second beats a refinance rather than pitching a refinance.
Filters applied
- Modeled available equity above your threshold
- Modeled first-lien rate below your threshold
- Modeled combined LTV band
- Property type and occupancy
Fields on this segment
On top of the 28 standard columns that ship with every record.
- Modeled available equity
- Modeled CLTV
- Modeled first-lien rate
- Automated valuation estimate
- Recorded lien count
Tiers for this segment
| Tier | Per record | Minimum | Exclusivity |
|---|---|---|---|
| Exclusive | $1.05 | 1000 | Sold once. Suppressed from other orders for 90 days. |
| Shared | $0.50 | 2000 | Capped at 3 buyers. Never more. |
| Bulk | $0.20 | 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.
HELOC & Home Equity Loans data — common questions
- How much does HELOC & Home Equity Loans data cost?
- Exclusive HELOC & Home Equity Loans records are $1.05 each with a 1,000-record minimum. Shared is $0.50 per record, and bulk pulls start at $0.20. 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 HELOC & Home Equity Loans data come from?
- Assessor valuations and recorded mortgage instruments combined to model available equity and combined loan-to-value, filtered to first liens originated in low-rate periods. 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 HELOC & Home Equity Loans 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 HELOC & Home Equity Loans 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 HELOC & Home Equity Loans 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.