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.
How this segment is built
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.
Filters applied
- Recorded VA mortgage instrument
- Modeled current rate above your chosen threshold
- Loan seasoning window
- Owner-occupied per assessor records
Fields on this segment
On top of the 28 standard columns that ship with every record.
- Recorded loan type (VA)
- Modeled current rate
- Modeled remaining balance
- Months since origination
- Assessor occupancy status
Tiers for this segment
| Tier | Per record | Minimum | Exclusivity |
|---|---|---|---|
| Exclusive | $0.90 | 1000 | Sold once. Suppressed from other orders for 90 days. |
| Shared | $0.45 | 2000 | Capped at 3 buyers. Never more. |
| Bulk | $0.18 | 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.
VA IRRRL data — common questions
- How much does VA IRRRL data cost?
- Exclusive VA IRRRL records are $0.90 each with a 1,000-record minimum. Shared is $0.45 per record, and bulk pulls start at $0.18. 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 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 reports, credit scores, prescreened lists, or mortgage trigger leads.
- 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 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 VA IRRRL 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 VA IRRRL 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.