Best Mortgage Lead Companies

What to look for

1. 1

   Owned, first-party traffic

   The company generates leads on consumer sites it runs, rather than reselling affiliate traffic.

2. 2

   Documented consent

   Each lead carries prior express written consent with timestamp, IP and disclosure language.

3. 3

   Exclusive, shared and aged options

   You can match lead type to your sales process and budget.

4. 4

   Self-serve control

   You set states, filters, caps and pause anytime without a rep.

5. 5

   No contracts

   A prepaid wallet or pay-per-lead model instead of long commitments.

6. 6

   Clear return policy

   Bad numbers, duplicates and out-of-criteria leads are credited.

Top mortgage lead types to buy

1. 1. Purchase Mortgage Leads

   Home buyers requesting pre-approval or rate quotes for a new purchase loan.

   Best for: Loan officers who want long-term referral relationships and realtor partners.

2. 2. Refinance Leads

   Homeowners asking for a rate-and-term refinance quote to lower their rate or payment.

   Best for: High-volume call centers and rate-driven retail lenders.

3. 3. Cash-Out Refinance Leads

   Homeowners who want to tap home equity through a cash-out refinance.

   Best for: Loan officers focused on equity and debt-consolidation refinances.

4. 4. DSCR Loan Leads

   Real estate investors seeking debt-service-coverage-ratio loans qualified on rental income.

   Best for: Non-QM lenders and investor-focused brokers.

5. 5. FHA Loan Leads

   Borrowers interested in low-down-payment FHA purchase or refinance loans.

   Best for: Retail lenders with strong government-loan operations.

6. 6. VA Loan Leads

   Veterans, active-duty service members and eligible spouses requesting VA loan information.

   Best for: VA-approved lenders and military-focused loan officers.

7. 7. Reverse Mortgage Leads

   Homeowners 62+ exploring a HECM or proprietary reverse mortgage.

   Best for: HECM specialists and reverse mortgage lenders.

8. 8. HELOC & Home Equity Leads

   Homeowners requesting a home equity line of credit or home equity loan.

   Best for: Banks, credit unions and fintech HELOC lenders.

9. 9. Non-QM Mortgage Leads

   Self-employed borrowers and others needing bank-statement, asset-depletion or other non-QM loans.

   Best for: Non-QM wholesale and retail lenders.

10. 10. Jumbo Loan Leads

    Borrowers seeking loan amounts above the conforming limit.

    Best for: Private banks and jumbo-focused loan officers.

11. 11. Aged Mortgage Leads

    Mortgage inquiries that are 30 to 365+ days old, sold at a steep discount.

    Best for: Teams with dialers and nurture automation.