Florida mortgage protection leads
Can you buy exclusive mortgage protection leads in Florida?
Yes, in Hillsborough County (Tampa) today. Leadality turns new mortgages recorded with the county into exclusive leads, each with the owner's name, a carrier-verified mobile with its line type (screened against the Do Not Call list before delivery), the property address, recording date, loan amount when it reads cleanly and lender. Plans start at $69 for 50 leads a month ($1.38 each, down to $1.00 on the 400-lead plan). They are public-record data leads for manual dialing, and Florida calls must fall between 8 a.m. and 8 p.m. local time.
Which Florida counties have mortgage protection leads?
| County | Status | Recent volume | Main cities |
|---|---|---|---|
| Hillsborough | Live | 1,083 mortgages recorded Aug 3 to Aug 13, 2026 (9 recording days) | Tampa, Riverview, Brandon, Plant City, Valrico, Wimauma, Apollo Beach |
| Other Florida counties | Not live yet | Added one county at a time | Email us the counties you work |
Source: Hillsborough County Clerk public mortgage recordings, compiled by Leadality. Counts every instrument recorded as a mortgage, which includes refinances.
Every lead comes from a mortgage recorded in the county's Official Records, kept by the Hillsborough County Clerk of Court. A county goes live only after its filings run through the same pipeline: junk filtering (no companies, trusts or unreadable names), a phone match, a carrier line-type check and a Do Not Call screen. If you work another Florida county, email team@leadality.ai with the county names. That list shapes which county opens next. For the full local numbers (median loan, top ZIPs, how many filings become callable leads), see Tampa mortgage protection leads.
Why work mortgage protection leads in Florida?
Florida records every mortgage at the county level, and those recordings are public. That gives a Florida agent a clean, dated trigger: a household that just took on a loan, often for 30 years. In the Hillsborough filings we read this summer, 84% of mortgages with a readable term were 30-year loans and the median loan was $322,425 (filings recorded July 1 to 2 and August 3 to 5, 2026).
Those same records feed the direct-mail mortgage protection campaigns Florida homeowners get after closing. A data lead from this week's filings lets you call first, at roughly $1 to $1.40 a lead instead of the $25 to $60 agents typically pay for a direct-mail lead. Our life insurance leads cost guide has the full price map, and exclusive vs shared vs aged leads compares the formats.
What are the Florida calling rules for mortgage protection leads?
| Rule | What it says | Source |
|---|---|---|
| Calling hours | No solicitation calls before 8 a.m. or after 8 p.m. in the called person's time zone. The federal window ends at 9 p.m., so Florida's 8 p.m. is the one to follow. | Fla. Stat. s. 501.616(6)(a) |
| Call frequency | No more than three solicitation calls to a person in 24 hours on the same subject, from any number. | Fla. Stat. s. 501.616(6)(b) |
| Caller ID | Don't block your name or number when your equipment can send it, and don't spoof a different number. | Fla. Stat. s. 501.616(7) |
| Autodialers and recordings | Sales calls that use an automated system for selecting and dialing numbers, or a recorded message, need the called party's prior express written consent. | Fla. Stat. s. 501.059(8)(a) |
| Florida Do Not Call list | No unsolicited sales calls to numbers on the state's no-sales-solicitation list, which FDACS keeps and sells to telephone solicitors. | Fla. Stat. s. 501.059, FDACS |
| National Do Not Call Registry | No solicitation calls to registered numbers without an existing relationship or permission. Use a registry copy no more than 31 days old. | 47 CFR 64.1200(c)(2) |
| Opt-out requests | Keep an internal do-not-call list and honor requests within 10 business days at most. | 47 CFR 64.1200(d)(3) |
Statutes checked October 8, 2026 against the 2026 Florida Statutes and the current Code of Federal Regulations.
Are Florida insurance agents exempt from these rules?
Mostly not, and the statute says so directly. Section 501.604 lists “any licensed insurance broker, agent, customer representative, or solicitor when soliciting within the scope of his or her license” among those the Florida Telemarketing Act does not apply to, but the same section excepts s. 501.616(6) and (7) from that list. So the 8 p.m. cutoff, the three-calls-a-day limit and the caller ID rules still apply to licensed agents. We found no insurance-agent exemption in the text of the Florida Telephone Solicitation Act (s. 501.059), and the National Do Not Call rules apply to you as well.
How does Florida's Do Not Call list work?
The Florida Do Not Call program is run by the Florida Department of Agriculture and Consumer Services (FDACS). Residents can sign up for free and stay on the list indefinitely. Under s. 501.059, FDACS updates the list and provides it to telephone solicitors for a fee. It is separate from the National Do Not Call Registry, so a number can be on one and not the other.
What Leadality screens: every number is checked against the Do Not Call list before delivery, and only numbers that come back clear are delivered. Florida's state list is kept separately by FDACS and lists change daily, so scrub against the National Registry and the Florida list yourself right before you dial, and honor opt-outs.
What about texts?
Don't text data leads. Leadality leads are manual dial only. The Florida Telephone Solicitation Act was amended in 2023 so that a texted party can reply STOP, and the sender then has 15 days to stop texting. The act also gives called parties a private right to sue for actual damages or $500 per violation, tripled if the violation was willful or knowing (s. 501.059(10)). That is reason enough to keep data leads on a manual dial.
How should a Florida agent work these leads?
- Scrub first: National registry (we screen before delivery, but lists change daily), the Florida list and your own internal list.
- Dial by hand between 8 a.m. and 8 p.m. local time, no more than three attempts to a person in any 24 hours.
- Call in the first days after recording. Each lead shows its recording date, so you know exactly how fresh it is.
- Open honestly: a local agent, a recent public mortgage recording, a question about protecting the payment. Never say the homeowner asked for a quote.
- Log every request to stop and honor it right away.
Scripts, voicemail and a follow-up cadence are in how to work mortgage protection leads. For the national picture, see mortgage protection leads for agents.
How much do Florida mortgage protection leads cost?
Public-record data leads. Not opt-in, manual dial only: no autodialers, texts or prerecorded messages without your own consent. Scrub against the National Do Not Call Registry and honor opt-outs. Every plan starts with the Data Lead Agreement.
Florida mortgage protection leads FAQ
Can I buy mortgage protection leads anywhere in Florida?
Not yet. Hillsborough County, Florida (Tampa) is the only live county today. More Florida counties are next, and each one goes live only after its filings pass the same cleaning and phone match.
What hours can I call mortgage protection leads in Florida?
Between 8 a.m. and 8 p.m. in the homeowner's local time zone under the Florida Telemarketing Act, s. 501.616(6)(a). That is tighter than the federal 8 a.m. to 9 p.m. window, so in Florida stop at 8 p.m.
How many times can I call a Florida lead in one day?
No more than three solicitation calls to the same person in a 24-hour period on the same subject, from any number, under s. 501.616(6)(b) of the Florida Statutes.
Are insurance agents exempt from Florida's telemarketing rules?
Not from the calling-hours, call-frequency and caller ID rules. Section 501.604 lists licensed insurance agents among those most of the Florida Telemarketing Act does not apply to, but it expressly keeps s. 501.616(6) and (7) in force. We found no insurance-agent exemption in the text of the Florida Telephone Solicitation Act, s. 501.059. This is not legal advice.
Does Leadality check Florida's Do Not Call list?
Leadality screens every number against the Do Not Call list before delivery and only delivers numbers that come back clear. Florida's own no-sales-solicitation list is kept separately by FDACS and lists change daily, so scrub against the National Registry and the Florida list yourself before you call.
Can I text or autodial Florida mortgage protection data leads?
Not without the homeowner's prior express written consent. The Florida Telephone Solicitation Act requires it for sales calls that use an automated system for selecting and dialing numbers or a recorded message, and Leadality data leads are manual dial only.
How much do Florida mortgage protection leads cost at Leadality?
Plans are $69 for 50 leads, $149 for 125 leads, $399 for 400 leads a month, or $1.38 down to $1.00 per exclusive lead. Cancel anytime.
Do I need a Florida license to use these leads?
Yes. The leads are Florida homeowners, so you need to be licensed to sell life insurance in Florida. Captive agents should also check their carrier's rules on outside leads.
Florida homeowners, days after closing.
Exclusive mortgage protection leads from Hillsborough County (Tampa), FL. From $69 a month, cancel anytime.
Last updated by the Leadality team.