Cash-Out Refinance
Built around homeowners with usable equity and a reason to tap it — rate, balance, and purpose filters configured to your box.
Prescreen data without the bureau delay
Faster data. Lower pricing. High Quality Leads.
Totally Understood Wholesale Data
Prescreen data built for the speed and economics mortgage teams actually need.
C:\TU_WHOLESALE> TYPE VALUE_PROP.TXT
Send the exact criteria you want to buy and we scope, price, and configure the campaign around it. The parameters you send define the records you receive. For example:
Loan type
Minimum loan amount
LTV range
Interest-rate
States, ZIPs, or geography
Credit or eligibility attributes
And 1000s more
Pricing comparisons require materially comparable campaign specifications1. Timing2, phone-match availability3, and outcomes5 vary. See important disclosures.
Campaign engine · illustrative
- Loan type
- Min loan amount
- LTV
- Rate criteria
- Geography
- Volume
- Phone append
Campaign scope
- Campaign scope
- Buyer-defined
- Comparable basis
- Identified
- Delivery
- Secure portal transfer
Comparing materially comparable campaign basis…
Phone append
Record
Phone: —
Enriched
Phone: pending
Phone-match availability and accuracy vary. Appended numbers do not guarantee contact and do not establish consent, permissible use, or permission to call or text.
Illustrative interface concept. Fields, routing options, scope, and pricing basis vary by campaign.
- Shorter bureau-style workflow
- Competitively priced
- Phone append when available
- Buyer-defined campaign parameters
Cash Out is King in 2026.
We help lenders build the best cash-out campaigns on the planet: records positioned to motivate homeowners who are ready to pull cash, with prescreen parameters tuned to the equity and rate profile you want to reach.4
Rate Reduction Refinance
Targets borrowers positioned to benefit from a rate-and-term reset, with criteria matched to your investor appetite.
FHA/Conventional
Configured for FHA- and Conventional-eligible homeowners, delivered with the documentation and field treatment you specify.
HELOC-Style Equity
Equity-based prescreen records for campaigns that treat a second-lien or line-of-credit structure as the intended next step.
Why TU
Why wait on the bureaus?
They take long as hell. We take long too, but not as long as them. Just send us your lead criteria, we’ll put a better price on it, and turn them around faster than the bureaus.
Cut the timeline
Our workflow is designed to reduce the back-and-forth and lead time associated with traditional bureau sourcing — fewer handoffs between your parameters and a delivered file.2
Traditional bureau path
TU Wholesale path
Illustrative workflow steps only — no timeframe is shown or implied.
Competitively priced
We don’t negotiate. Each request is automatically priced to beat a materially comparable bureau campaign, with the written campaign summary controlling final scope and pricing.1
Comparable bureau campaign
TU campaign · same specifications
Priced below comparable bureau campaign
Relative bars are illustrative. Comparisons require materially comparable criteria, volume, geography, records, documentation, and delivery terms. No amounts or percentages are stated.
More usable records
Precise, buyer-defined campaign filters plus phone append when a reliable match is available create records mortgage teams can work more efficiently.35
Buyer filters applied
Phone: —Phone: appended when matched
Match availability and accuracy vary. No match, contact, or outcome is guaranteed.
Lead standards
Less waiting. Less cost. More control.
Every campaign starts with written scope: the parameters you defined, the comparable basis used to price the campaign below a materially comparable bureau campaign1, the delivery timeline2, the lead fields and delivery records included, and how optional phone append is handled3.
Read the standards- Defined campaign parameters
- Comparable pricing basis
- Written lead fields and documentation
- Phone-append treatment stated in writing
- Duplicate, replacement, and cancellation terms
How it works
Three steps.
Stage 01 · illustrative
Parameters received
- Loan type
- Minimum loan amount
- LTV range
- Rate criteria
- Geography
- Volume & delivery window
The parameters you send define the records you receive. Available filters depend on the source, market, permitted use, and campaign configuration.
We built the workflow to move faster than the bureaus, price below comparable bureau campaigns, and deliver records your team can actually work.
Timing and pricing comparisons assume materially comparable campaign specifications, volume, geography, records, documentation, and delivery terms. Phone-match availability and accuracy vary, appended numbers do not guarantee contact, and contactability, conversion, and revenue depend on buyer execution, licensing, compliance practices, market conditions, and other factors.
FAQ
Direct answers.
Important disclosures
The qualifications behind the claims on this page.
1. Comparative pricing
Each request is automatically priced against a materially comparable bureau campaign — the same filters, volume, geography, records, documentation, and delivery terms. When the specifications are not materially comparable, the comparison does not apply. The final written campaign summary and order terms control scope and pricing.
2. Timing
The workflow is designed to remove steps from the request-to-delivery path relative to traditional bureau sourcing. We do not publish a fixed turnaround time. Actual timing depends on your parameters, volume, source, geography, documentation, and availability.
3. Phone append
Records that arrive without a phone number can be run through phone-append enrichment, and a number is added only when a reliable match is available. Match availability and accuracy vary, and no match is guaranteed. An appended number does not guarantee contact and does not itself establish consent, permissible use, DNC clearance, or permission to call or text. The buyer is responsible for determining its own permissible use, consent, DNC, calling-hour, licensing, and recordkeeping obligations.
4. Availability and filters
Campaign categories, available filters, and supporting lead fields vary by source, market, permitted use, and campaign configuration. Examples shown on this site are illustrative configurations.
5. No guarantees; non-exclusivity
We do not guarantee contact, applications, closings, revenue, phone-match availability, or any other outcome. Leads are not exclusive unless the written order terms explicitly state otherwise. TU Wholesale is an independent marketing and lead-services brand and is not a lender, mortgage broker, consumer reporting agency, or credit bureau, and does not provide legal advice.
Full detail is on the compliance and standards page. Written campaign terms control in all cases.
Build your campaign
Send us your lead parameters.
Give us the box you want to buy. We’ll use it to define the campaign, compare the economics, and prepare the written scope.