Most lead lists are compiled by companies specializing in information products where advanced technology is used to capture key information such as interest rates, loan dates, loan amounts, loan to values (LTV), as well as FICO ... The very faceless nature of online mortgages makes them difficult to trust. There is, after all, much sensitive information that you would have to give out when you apply for a mortgage. Such information may include your social security number, your full name, your address, your monthly income, et cetera. Thus, it is therefore advisable that you only conduct these types of online transactions with an established institution.