Exclusive Mortgage Leads for Lending Teams

Purchase mortgage leads

A purchase mortgage lead is a home buyer, not a homeowner refinancing, who asked to be contacted about a loan for the home they are shopping for. Ours are sold once, checked against our purchase criteria before delivery and sent to your CRM in real time.

Purchase files run on a longer clock than refinance files. The National Association of Realtors puts the median home search at ten weeks, and ICE Mortgage Technology reported 36.8 days from application to closing on purchase loans in March 2026. A home search, a pre-approval and usually a buyer's agent sit between your first call and the closing, so a purchase source is judged over the length of a search, not over thirty days.

Source: National Association of Realtors, Profile of Home Buyers and Sellers, median weeks searched, nar.realtor. ICE Mortgage Technology, March 2026, days from application to closing on purchase loans. Both describe the market, not any vendor's leads, and neither is a promise about a particular file.

How our purchase leads are sold, screened and delivered, with a sample lead and the questions buyers ask: exclusive purchase mortgage leads. Where else purchase leads come from: where to buy purchase mortgage leads.

Cash-out refinance leads

A cash-out refinance lead is a homeowner asking to replace an existing mortgage with a larger one and take the difference in cash. The borrower is buying money against equity, not a better rate, so the first call starts from what the cash is for.

On our form the homeowner gives their own estimate of the home's value, their credit range and the cash they want to take out. Those are self-reported answers, and nobody pulls a credit file at this stage. Credit in the 500s is welcome on our cash-out criteria, and because the form asks about military service, a cash-out order can carry a VA tier.

What a cash-out lead can and cannot tell you before the first call: what a cash-out refinance lead is. The vendor types that sell them, and how cash-out differs from a home equity lead: where to buy cash-out refinance leads.

HELOC leads

A HELOC lead is a homeowner asking about a home equity line of credit: a credit line secured on the home that keeps the existing first mortgage, and its rate, in place. We sell HELOC leads as their own product, as a team order.

A cash-out refinance pays off the first mortgage with a larger one and hands the homeowner the difference. A HELOC leaves that mortgage alone and adds a line the homeowner draws on as needed. The two borrowers are asking different questions, so a HELOC lead is sold under its own name and the first call starts from the line, not from a new first mortgage.

How our HELOC leads are sold, generated and delivered, HELOC against cash-out side by side, and what the trigger-lead ban says about home equity: HELOC leads. Why home equity and cash-out refinance are different products, and what to ask a vendor that sells both: where to buy cash-out refinance and home equity leads.

DSCR investor leads, as self-serve packs

A DSCR loan lead is a property investor seeking financing underwritten against the rental income a property produces, not against the borrower's wages. We sell DSCR leads only as self-serve packs, bought without a call, and not as part of a team order.

How the coverage ratio works and why the borrower is an investor rather than a first-time buyer: what a DSCR loan lead is. The source types that sell investor leads: where to buy DSCR loan leads.

What a team order segments on

A team order is set by lead type, state and lead channel, and our qualification criteria for it check the borrower's own answers: credit range, household income, home value, the cash requested, the equity left after it, military service, buying timeline and home search stage. Credit, income and value are self-reported on our form, not a credit bureau pull.

We set where each line sits, by lead type, and you read the criteria for your type before your first order. A lead that misses them is never delivered and never billed. HELOC orders segment on state and on the same kinds of self-reported answers, and we do not publish the HELOC criteria.

What no order segments on: property type, occupancy, debt-to-income, FHA against conventional, or ZIP code and county. Some of our forms ask about the property, and the answer reaches your CRM with the lead, but no criterion checks it. What the answers on a lead can and cannot tell you: pre-qualified against raw purchase leads.

What we do not sell

We sell real-time, exclusive form leads and nothing else. No aged leads, no shared leads, no live transfers, no booked appointments, no white-label leads under your brand and no ZIP code or county territories.

• Aged leads. An enquiry from weeks or months ago, sold on again. It suits a desk with spare calling hours and a dialer it already pays for. Real-time against aged leads.
• Live transfers. A call already in progress, screened by somebody else's script. What a live transfer lead is.
• Territories. We deliver by state, in the states your team is licensed in, because a loan originator is licensed state by state. Buying leads by state or ZIP.
• An FHA against conventional split. Our form does not ask it, so we hold no field to split an order on.

The four routes a mortgage lead can take to a lending desk, each with what it is honestly good for: mortgage lead types compared.

Exclusive against shared mortgage leads

An exclusive mortgage lead reaches one client, and a shared lead reaches several lenders at the same moment. For your officers the difference shows up in who calls first, what the borrower has already heard, and what the first call has to compete on.

One lead goes to exactly one client. We sell each lead once, never resold and never sent to a second lender, and Section 2.3 of the agreement every client signs keeps it that way after the client stops ordering. Inside your account we also match on phone number and email with no time limit, so the same borrower never lands on your desk twice. What exclusivity buys your team is the first conversation without other buyers of the same lead in it. What it does not mean: exclusive covers the lead, not the person. A borrower can still fill in a form on another site the same afternoon, and a new inquiry is a new lead.

The table carries no contact or conversion rates, ours or anybody's. Whether shared leads can still work for your desk: are shared mortgage leads worth buying. How to hold a vendor to the word: how to check a vendor never resells your leads.

How our mortgage leads are generated

We run the advertising ourselves, and the borrower answers our own form. Every mortgage lead is checked against our qualification criteria before delivery, and a lead that misses them is never delivered and never billed.

1. Our own advertising. Every lead comes from advertising we run ourselves, on our own landing pages and lead forms. We do not buy lists, broker other companies' leads or sell aged data.
2. The borrower answers for themselves. Credit range, income and property value are the borrower's own answers on our form, not a credit bureau pull.
3. Phone verified on our landing page leads. How a mortgage lead's phone is verified covers what that check does and does not prove.
4. Our qualification criteria, before delivery. We set them, they differ by lead type, and you read them before your first order.
5. Real-time delivery into your CRM. Across our lead types the median is under one second, 97 of 100 inside ten seconds.

Delivery, our measurement: first-attempt deliveries into client CRMs over the 30 days to 15 September 2026, all lead types live then. It times delivery into the CRM, not how fast an officer dials.

The routes a purchased lead can travel before it reaches you, and what each one predicts about the first call: where mortgage leads come from. The minutes after delivery belong to your team: how fast you should call a new mortgage lead.

How to choose a mortgage lead vendor

Ask every mortgage lead vendor the same questions in writing and compare the answers, not the adjectives. A vendor who answers all of them as sentences you can hold them to has measured them.

1. How many clients receive this same lead? "Exclusive" should come as a sentence, such as one lead goes to exactly one client. A number in writing beats an adjective on a landing page.
2. Where does the lead come from? The vendor's own advertising, a network of publishers, or leads bought from somebody else and sold on. Each route changes what the borrower remembers asking for.
3. How was consent captured, and how do I get the proof? Ask what the borrower agreed to, which sellers it names, and how you pull the proof for one lead when you need it.
4. Whose criteria screen the lead? Ask for them in writing, by lead type, and ask whether a lead that misses them is billed.
5. What happens to a lead with a wrong number? Ask what counts as a bad lead and what you get back for one, before the first order rather than after it.
6. How is it billed, and what is the commitment? Per lead, per auction win, per live transfer or a monthly fee. Ask about minimums, term and how you stop.

Our answers, the same way: one lead goes to exactly one client, our own advertising, a consent certificate pulled on request, our qualification criteria before delivery, and pay per qualified lead under a signed agreement with no lock-in, no retainer and no minimum term.

The same checklist at length: what to look for when buying mortgage leads. What a bad lead is owed: what a lead vendor owes you when a lead is bad. Fifteen providers and us in one table, every fact from the provider's own pages: where to buy mortgage leads, compared.

Consent, the FCC one-to-one rule and the trigger-lead ban

Consent decides how your team may call a mortgage lead. Calling or texting with an autodialer or a recorded or AI voice needs prior express written consent under the TCPA, the FCC one-to-one consent rule never took effect, and the 2026 trigger-lead ban does not apply to a web-form lead.

The consent rule is in 47 CFR 64.1200, and what TCPA consent on a mortgage lead is walks through it. The FCC adopted a one-to-one consent rule for lead generators in December 2023. The Eleventh Circuit vacated it in Insurance Marketing Coalition v. FCC on 24 January 2025, before it took effect, and the FCC restored the earlier rule text effective 29 August 2025. As read on 13 October 2026, the federal definition of prior express written consent does not limit a consent to one seller. State mini-TCPA laws can add their own rules.

Source: Eleventh Circuit opinion, Insurance Marketing Coalition v. FCC, 24 January 2025; Federal Register 2025-16641. The full timeline: is the FCC one-to-one consent rule in effect for mortgage leads.

On our leads, the borrower gives consent on our form before submitting. The proof is a TrustedForm certificate by ActiveProspect, captured on the landing page form and pulled on request. The consent covers calls and texts about mortgage products from us and from the lending team the lead goes to, including automated dialing and a recorded or AI voice, even if the number is on a Do Not Call list. It does not cover email.

What mortgage leads cost

We do not publish a lead price, because the price of a mortgage lead moves with the loan type, the exclusivity, the screening and the billing model. The number that decides whether a source pays is cost per funded loan: what you spend on the source divided by the loans that fund from it.

Lead sellers bill per lead sold to one buyer, per lead shared across buyers, per lead won at auction, per live transfer, or as a monthly fee for a funnel your team runs itself. Each model moves the price per lead, and none of them tells you what a closed loan costs. Ours is the first on that list: pay per qualified lead, every order prepaid. The same division works for any mortgage lender leads or leads for home loan enquiries you buy, from anybody, and it is the only way to compare an exclusive quote with a shared one.

Why no honest page prints one price, and the questions that make two quotes comparable: how much mortgage leads cost. The arithmetic, worked through: cost per lead against cost per funded loan. What moves a price up or down: what drives the price of a mortgage lead.

Who our mortgage leads suit

Our mortgage leads are built for branches, brokerages and lenders with 10 to 500+ loan officers, with a CRM, a dialer and officers who call within minutes. A solo loan officer can buy the same exclusive leads as self-serve packs, without a call.

What has to be true before a small team buys at all: should a small team buy mortgage leads. How many leads an officer can work: how many mortgage leads per loan officer.

More questions about buying mortgage leads