If you're a U.S. loan officer buying leads from the "big giants" like LendingTree, Zillow, or Bankrate, you are playing a losing game.

Here is the math of shared leads in 2026:

  • You pay $50-$100 per lead.
  • That same lead is sold to 3-5 other lenders simultaneously.
  • Your "speed to lead" has to be under 3 seconds to even have a chance.
  • You enter a price war immediately, compressing your commission.

The "Exclusive" Alternative

Top-producing U.S. brokers have shifted entirely to exclusive lead generation systems. This means:

  1. You own the data. The lead goes effectively to zero competitors.
  2. You target specific U.S. states and zip codes where you want to close loans.
  3. You control the nurture sequence, building trust before you even get on the phone.

At AVJ Media, we engineer these exact systems for brokers. We don't sell leads; we build you a machine that generates them.

Why U.S. Data Quality Matters

Cheap leads often come from recycled data farms offshore. In the United States, TCPA compliance is critical. Our systems generate fresh, inbound inquiries from real U.S. borrowers who are actively searching for mortgage help right now.

Ready to stop sharing leads? Explore our Exclusive Lead Systems and own your pipeline.