Does EquityPilot sell HELOC leads to brokers?

No. EquityPilot is not a lead marketplace. It is a borrower-intelligence layer that helps homeowners prepare before talking to a broker or lender. Routing governance is audit-first unless explicitly enabled.

Is EquityPilot a lender?

No. EquityPilot does not approve, preapprove, or guarantee any loan. Brokers and lenders make underwriting and credit decisions; EquityPilot organizes borrower-stated context for that conversation.

What does a broker actually receive from a borrower's Flightpath?

When the borrower chooses to share, brokers see a permissioned Lender Flightpath Packet of borrower-stated inputs, estimated values, confidence labels, risk flags, borrower-preparation questions, and Flightpath context — not a credit decision.

How is this different from buying raw HELOC leads?

Raw leads are unverified contact records. EquityPilot prepares the borrower first — borrower-stated property and mortgage snapshot, Current LTV and Estimated CLTV context, confidence labels, and the questions they intend to ask their lender.

Are estimated values the same as an appraisal?

No. Estimated values are educational estimates based on borrower-stated inputs. Lender to confirm actual value, terms, and eligibility.

For mortgage brokers

HELOC Borrower Intelligence for Mortgage Brokers

EquityPilot helps homeowners walk into the broker conversation already prepared — borrower-stated inputs, Current LTV vs Estimated CLTV context, confidence labels, and borrower-preparation questions. Educational preparation, not loan approval.

Request partner demo View borrower education guide

Direct answer

What is EquityPilot for brokers?

EquityPilot is a consent-based borrower-intelligence layer that prepares HELOC and home-equity borrowers before they speak with a broker. It is not a lender, not a lead auction, and not a credit decisioning platform. Brokers receive permissioned Flightpath context — not raw, low-context leads.

The problem

Why raw HELOC leads are hard to work

Most HELOC lead sources sell unverified contact records, often resold across many recipients. Brokers spend their first calls re-asking basic questions about the property, the existing mortgage, the borrower's goal, and the rough equity picture — before any real conversation can happen.

EquityPilot flips that. The borrower arrives with a Flightpath already organized around their numbers, their goal, and the questions they want to ask.

Borrower intelligence

What EquityPilot captures before the broker conversation

Borrower-stated inputs are organized into a Flightpath the borrower can review and choose to share. The data is educational and self-reported — actual terms depend on lender underwriting.

Borrower goal and scenario type (debt consolidation, low-rate mortgage protection, planned project)
Property and mortgage snapshot with confidence labels
Current LTV and Estimated CLTV context
Risk flags around variable rates, draw periods, and using the home as collateral
Borrower-preparation questions the borrower intends to ask

Debt consolidation

Debt-consolidation borrower intelligence

For borrowers exploring HELOC for credit-card debt consolidation, EquityPilot organizes borrower-stated balances and rate context, and surfaces the risk that consolidating unsecured debt onto a home converts it from unsecured to secured. The borrower sees the tradeoff in plain language before the broker call.

Equity math

Current LTV vs Estimated CLTV context

EquityPilot shows Current LTV from borrower-stated property value and mortgage balance, and Estimated CLTV when a proposed home-equity amount is in scope. These are educational estimates — lender to confirm actual values and CLTV limits.

Confidence

PilotScore and confidence labels

Inputs are tagged with confidence labels (for example, borrower-stated, estimated, or missing) so brokers can see at a glance which numbers are firm and which still need confirmation. Confidence labeling is for context, not a credit decision.

Sample Flightpath preview

What your Flightpath shows

Borrower goal and scenario type
Property and mortgage snapshot with confidence labels
Current LTV and Estimated CLTV (when a proposed amount exists)
Calculator assumptions and missing information
Risk flags and borrower-preparation questions
Suggested next step (educational, not an approval)

Estimated values shown for planning. Lender to confirm actual terms.

Consent

Consent and privacy posture

The Flightpath is built for the borrower first. Sharing with a partner is consent-based and permissioned. EquityPilot does not auto-route borrower information to lenders or operate as a lead marketplace. Routing governance is audit-first unless explicitly enabled.

Risk to understand

Borrower risk education brokers can rely on

Home equity borrowing uses the home as collateral.
Variable-rate HELOCs can change after the draw period and over time.
Consolidating unsecured debt onto a home converts it from unsecured to secured.
Closing costs, annual fees, and prepayment terms vary and affect total cost.

Educational estimate, not a loan approval. Borrower-stated and estimated values are useful for planning, but lenders must verify key information before any credit decision.

Questions to ask your lender

Borrower-preparation questions the borrower brings to the call

What CLTV limit do you use for HELOC and home equity loans on a primary residence?
Is the rate fixed, variable, or hybrid? When can it change?
What are the draw period and repayment period, and how does my payment change?
What are the closing costs, annual fees, and prepayment terms?
How is the property value verified, and how does that affect available CLTV?

Educational prompts only. Actual terms depend on lender underwriting.

How brokers use it

How brokers can use EquityPilot before the borrower call

When a borrower shares their Flightpath with a partner, the broker can review borrower goal, property and mortgage snapshot, Current LTV and Estimated CLTV context, confidence labels, and the questions the borrower intends to ask. The first call starts on informed ground rather than re-asking basics.

Request partner demo View borrower education guide

FAQ

Frequently asked questions

Does EquityPilot sell HELOC leads to brokers?: No. EquityPilot is not a lead marketplace. It is a borrower-intelligence layer that helps homeowners prepare before talking to a broker or lender. Routing governance is audit-first unless explicitly enabled.
Is EquityPilot a lender?: No. EquityPilot does not approve, preapprove, or guarantee any loan. Brokers and lenders make underwriting and credit decisions; EquityPilot organizes borrower-stated context for that conversation.
What does a broker actually receive from a borrower's Flightpath?: When the borrower chooses to share, brokers see a permissioned Lender Flightpath Packet of borrower-stated inputs, estimated values, confidence labels, risk flags, borrower-preparation questions, and Flightpath context — not a credit decision.
How is this different from buying raw HELOC leads?: Raw leads are unverified contact records. EquityPilot prepares the borrower first — borrower-stated property and mortgage snapshot, Current LTV and Estimated CLTV context, confidence labels, and the questions they intend to ask their lender.
Are estimated values the same as an appraisal?: No. Estimated values are educational estimates based on borrower-stated inputs. Lender to confirm actual value, terms, and eligibility.

Keep exploring

Related EquityPilot pages

EquityPilot is not a lender and does not make credit decisions. The information on this page is an educational estimate to help you prepare before you apply. It is not a loan approval, preapproval, or guarantee of savings or terms. Home equity borrowing uses your home as collateral. Actual terms depend on lender underwriting.

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