VA IRRRL
Interest Rate Reduction Refinance candidates
Homeowners whose recorded mortgage is a VA loan carrying an above-market rate — the population a streamline refinance is built for.
Where this data comes from
Built from recorded deeds of trust and mortgage instruments identifying a VA loan, matched to assessor records and a licensed contact append. Rate and balance are modeled from the recorded original terms and elapsed time.
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
VA-approved lenders and loan officers with an active VA sponsorship who can originate a streamline refinance.
- ✓Teams with VA sponsorship and a streamline-ready pipeline
- ✓Shops running dialer or direct-mail campaigns at volume
Watch out
IRRRL marketing is closely supervised. Your solicitation must state terms you can actually deliver and must never imply VA endorsement or that you are the borrower's current servicer.
What we filter on
- Recorded VA mortgage instrument
- Modeled current rate inside the band you choose
- Modeled remaining balance inside the band you choose
- Loan seasoning window
- Owner-occupied per assessor records
Extra columns on this lead type
On top of the 15+ standard columns that ship with every record.
- Recorded loan type (VA)
- Modeled current rate
- Modeled remaining balance
- Months since origination
- Assessor occupancy status
Price per record
Your order budget sets the per-record price. Minimum order $2,500.
| Order spend | Per record | With both add-ons |
|---|---|---|
| $2,500 – $10,000 | $0.75 | $1.20 |
| $10,001 – $20,000 | $0.55 | $1.00 |
| $20,001 – $50,000 | $0.45 | $0.90 |
| $50,001 and up | $0.30 | $0.75 |
Both add-ons are optional and chosen per line. The credit add-on (+$0.25/record) adds est_credit_score and date_of_birth to every record on the line. Adds a modeled credit-score estimate and date of birth to every record on the line. The estimate is modeled from public-record and licensed non-bureau sources — it is not a consumer report and cannot be used for any FCRA purpose.
The DNC scrub (+$0.20/record) sends this line to a licensed compliance vendor for a National Do Not Call Registry pass before delivery — the vendor holds the registry access and returns the file suppressed. Without it, nothing on this line has been checked against the Registry. Either way, scrubbing before you dial remains your own obligation under your own SAN.
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.
6,666 records
$4,999.50
VA IRRRL data — common questions
- How much does VA IRRRL data cost?
- VA IRRRL records are priced by order spend: $0.75 per record on orders of $2,500–$10,000, stepping down to $0.30 per record at $50,001 and up. The minimum order is $2,500. An optional credit add-on adds $0.25 per record for a modeled credit-score estimate and date of birth. Pricing is identical for every buyer at the same spend, and orders of $50,000 or more are handled by the enterprise desk.
- Where does Vonta's VA IRRRL data come from?
- Built from recorded deeds of trust and mortgage instruments identifying a VA loan, matched to assessor records and a licensed contact append. Rate and balance are modeled from the recorded original terms and elapsed time. These are not consumer inquiries — nobody submitted a form, and no record carries consumer consent to be contacted. Vonta does not sell credit-bureau data, prescreened lists, or mortgage trigger leads; the optional credit add-on is a modeled estimate from non-bureau sources, not a consumer report.
- Is VA IRRRL 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 every file against our internal opt-out list and a known-litigator list. A National Do Not Call Registry scrub is NOT included as standard — it is an optional paid add-on, run by a licensed compliance vendor on the lines you buy it for, and anything you do not buy it for has never been checked against the Registry. Either way that pass remains yours: the Telemarketing Sales Rule puts the Registry duty on whoever places the call, so scrub under your own Subscription Account Number, along with the applicable state lists and your own internal list, before you dial.
- How do I buy VA IRRRL data?
- Create a Vonta account, then place your order on the site. We verify your NMLS ID through NMLS Consumer Access, pull your selection, run suppression, and email the CSV to your account address.
- How do I pay for VA IRRRL data?
- By bank debit (ACH) through Stripe, or by wire transfer against an invoice. Vonta does not accept credit cards. Your file is pulled once the payment settles.
- How is VA IRRRL data delivered?
- As a CSV emailed to the address on your account, typically within one business day of your order clearing verification. Fulfillment is handled by a person rather than an automated feed while our inventory is being built out.