Quantum Vault · a Promoton LLC agency · Prepared for LenderHomePage.com · September 2026
A loan officer acquisition system
Calling, email, SMS and AI callback handling aimed at NMLS-licensed loan officers. Built, run and measured by one operator.
Market · Who we call · How we reach them · What one operator produces · Investment · Terms
The market is nine times your current base
18,000
loan officers already on LenderHomePage
165,000
state-licensed originators in the independent channel
416,000
more registered at banks and credit unions
$500 to $2,500 a month
what the average loan officer spends on purchased leads, per your homepage
5 to 10 loans a month
typical production; the top 20% fund eight or more
Sources: LenderHomePage.com; NMLS/CSBS Mortgage Industry Report Q4 2019; STRATMOR Originator Census
Who we call
Role
NMLS-licensed loan officer or broker-owner
Team
Solo, or leading 2 to 15 originators
Channel
Independent brokerage or non-bank retail lender
Production
3 to 15 closed loans a month
Today
Buying leads, or on a template site that captures nothing
Trigger
New license, company move, new branch, slow month, lost deal
We skip
Inactive licenses
Enterprise banks with procurement committees
Anyone with 6+ months left on a competitor contract
What they're like, and what it changes
Trait
So we
Answer unknown numbers, because any call may be a borrower or a Realtor
Lead with the phone
Paid on commission; measure everything in closed loans
Price the platform against one extra closing a quarter
Burned by shared, recycled purchased leads
Position it as owning the pipeline instead of renting it
Run on personal brand and Realtor referrals
Open with the branded site and the co-branded Realtor app
Busy with closings midday and at month-end
Call 8:30–10:30 and 4:00–6:00 local; ease off the last 3 business days
Where the call lands in their decision
A loan officer paying for leads has already given the problem attention and interest. What they lack is a reason to want a different answer.
Attention
Already there. They watch their lead spend every month.
Interest
Already there. They are actively trying to get more borrowers.
Desire
We enter here. Turn "I need more leads" into "I need to own my pipeline."
Action
One ask: a 20-minute demo on the calendar. No contract on the call.
Where the list comes from
NMLS Consumer Access
Free. Every active license, state and employer. Verifies each name before we pay for a number.
Apollo.io Professional, our pick
Direct dials, emails and sequencing in one seat, month to month. Phone lookups use credits, so we hold a monthly reserve.
AI enrichment
Fills gaps from loan officers' own sites, where many publish a cell number on purpose.
Why not the others
ZoomInfo: deepest data, but annual contracts from about $15,000. Worth it at three or more operators, not one.
Seamless.AI: similar price, good phones, no sequencer. Kept as a backup source.
Supply
Year one at standard pace uses about 15,600 contacts, 9% of the state-licensed pool. The list does not run out.
Every prospect: 18 days, 7 touches, 4 channels
Day
Channel
Touch
1
Call · voicemail · email
First call; email references the voicemail
3
Call · email
Second call; ROI email: one extra closing a quarter
5
Email
Second domain, owned-pipeline angle
8
Call
Third call, peer comparison angle
12
Call · SMS
Fourth call; booking link by text where consent allows
15
Email
Two-minute walkthrough of a live site
18
Call · email
Final touch; no reply moves to monthly nurture
What runs without the operator
Callbacks answered 24/7
An AI agent picks up every returned call, recognizes the prospect, answers basic questions and books the demo onto the calendar.
Every follow-up fires itself
Voicemail drops, emails, SMS replies, confirmations and reminders run on schedule. Operator hours go to live conversations.
Every touch is measured
Each call, email, text and callback is logged by step. Weekly report shows where prospects drop. Weak touches get cut, strong ones doubled.
Compliance built in: do-not-call and TCPA scrubbing before every dial, opt-in only for SMS, registered caller ID so calls don't show as spam.
The five rates the whole model rests on
Step
Rate
Basis
Dial to live answer
18%
B2B phone benchmark, 15–20%
Answer to qualified conversation
55%
Right person, active license
Qualified to demo booked
35%
SDR qualify-to-book benchmark
Booked to demo held
65%
SMB SaaS show rate
Demo held to signed
20%
Low-touch SaaS; depends on your demo team
Dial to signed client
0.45%
About 1 client per 222 dials
Benchmarks until replaced with live campaign data in months 1–3. Value per new client: your $97 plan × 12 months = $1,164.
One operator, one month, 240 dials a day
Dials
5,184
Live answers
933
Qualified
513
Demos booked
180
Demos held
117
Signed clients
23
Signed contract value: $26,772 a month
New contacts needed: 1,296 a month
Output by dials per day, one caller
69 dials a day
(9 an hour)
240 dials a day
(30 an hour)
480 dials a day
(60 an hour)
Dials a month
1,490
5,184
10,368
Live answers
268
933
1,866
Demos booked
52
180
359
Demos held
34
117
234
Signed clients a month
7
23
46
Signed contract value
$7,807
$26,772
$53,544
69 dials a day is the volume at which contract value equals the monthly investment. 480 assumes answer rates hold at double volume; tested in months 1–3 before committing.
Year one, standard pace
Months 1 to 3 are exploratory: script, angles, list and call windows are tested. Modeled at 25%, 50% and 75% of full output.
Months 1–3 · Build and test
35 clients
6, then 12, then 17
Months 4–12 · Full pace
207 clients
23 a month for 9 months
Year one total
242 clients
$281,688 signed contract value
Excludes additional callers. Each one adds about 23 clients a month.
The investment: $35 an hour, plus the system
Caller
$35 / hour
8 hours a day, 5 days a week
173 hours a month
$6,055 a month
Everything else
Monthly
Contact data (Apollo.io seat)
$99
Phone-number data reserve
$400
Calling minutes
$62
Local numbers and caller ID
$40
Voicemail drop
$40
Cold email: 20 domains, 60 inboxes, sequencer
$358
Email verification
$49
SMS automation (Twilio)
$30
AI callback agent
$224
Do-not-call and TCPA scrub
$50
AI build and automation tools
$400
Everything else
$1,752
$6,055 caller + $1,752 system = total per month
$7,807
What the investment returns each month
69 dials a day
(9 an hour)
240 dials a day
(30 an hour)
480 dials a day
(60 an hour)
Signed clients
7
23
46
Signed contract value
$7,807
$26,772
$53,544
Total system cost
$7,807
$7,807
$8,433
Net
$0
$18,965
$45,111
Return on cost
1.0×
3.4×
6.3×
Cost per signed client
$1,164
$339
$183
At 480 dials a day, usage adds $626 a month (data, minutes, voicemail, callbacks). Each additional caller adds about 23 clients a month at the same $35 an hour.
Terms
Agency
Quantum Vault, operated by Promoton LLC
Operator
Edgardo Arrieta: calls, system build, weekly reporting
Investment
$35 an hour for the caller ($6,055 a month) plus $1,752 for the system: $7,807 a month
Term
12 months; months 1–3 exploratory
Scaling
Additional callers at the same $35 an hour, once results are established
Optional
Lead warm-up through a marketing partner, quoted separately, recommended after outbound is producing
On a 12-month commitment, guaranteed signed contract value
$276,000
$23,000 a month × 12. Counts agreements signed from Quantum Vault–sourced prospects at published pricing over 12 months; demos held within 2 business days.