Mortgage protection lead list calculator
For mortgage protection insurance agents and agencies that dial direct mail, web form, call-in and aged leads: estimate how much of a list is reachable, and what the dead numbers cost you on every campaign. Every rate is editable; nothing is stored.
Why mortgage protection lead lists go bad
- Numbers written on a mail-in reply card get keyed in by hand, and one wrong digit makes a dead dial.
- Web forms can carry a mistyped or made-up number, and nothing checks it before the lead is sold.
- A homeowner may answer a mailer weeks after closing, and the lead may be worked for months after that, so the number has time to be disconnected or handed to someone else.
- Aged and shared leads are sold more than once, so a wrong number costs every buyer a dial and nobody catches it for you.
- A list can mix home landlines and cell phones, and a text send to the landlines is paid for and never arrives.
How to get your real numbers
- Pull a random sample of 500 to 1,000 numbers from your mortgage protection lead file.
- Validate it against live carrier data with TrueSearch for Business.
- Enter the dead, landline and VoIP percentages you get back above.
- Repeat per lead source (direct mail, web form, call-in, aged) to see which one holds the most bad numbers.
Read about phone list cleaning, see the life insurance lead list calculator and the final expense lead list calculator, or check single numbers with the carrier lookup.
Start 3-day free trialQuestions
Are the default rates typical for mortgage protection leads?
No. They are editable placeholders, not industry statistics. Bad-number rates depend on the lead source and how old the leads are. Validate a sample of your own list and enter what you find.
Can I clean a mortgage protection lead file from my vendor, IMO or CRM?
Yes, if it is a CSV or Excel file. Upload it to TrueSearch for Business and download it back with each number marked valid or dead, with its line type (mobile, landline, VoIP or toll-free) and carrier.
Should I remove landlines from a mortgage protection lead list?
Not for calls. A home landline can be the right number to reach a homeowner by phone, so do not delete it just for being a landline. Standard landlines cannot receive SMS, so they should come out of a text send. The line type column lets you split the list by channel instead of deleting rows.
Do aged mortgage protection leads have more dead numbers than fresh ones?
Usually. Numbers change over time, so a lead that is a year old is more likely to have a disconnected number than one from last week. Validating a sample of each batch shows how much of it is still reachable before you pay for dials.
Does a valid result mean I am allowed to call or text the lead?
No. Validation checks the phone number, not consent or permission to contact. Calls and texts to leads are covered by federal and state telemarketing rules, including the TCPA, and insurance sales carry their own state rules. Confirm your program with counsel and your carrier or agency compliance team.
Does this check consent or Do Not Call lists?
No. The calculator only estimates reachability, and a validation check covers validity, line type and carrier. It does not verify consent or check a number against Do Not Call or litigator lists. Keep your own opt-out records and use the official National Do Not Call Registry (donotcall.gov) where it applies.
This guide is general information, not legal advice. TrueSearch for Business checks validity, line type and carrier from licensed telecom data. It does not check the National Do Not Call Registry, state DNC lists or the FCC Reassigned Numbers Database. Not a consumer reporting agency; not for FCRA purposes.