Every mortgage lead type in one place: refinance, cash-out, reverse, loan modification, purchase and aged lists, filtered by state, equity and rate.
Mortgage leads are consumers who have shown interest in buying a home, replacing a mortgage, borrowing against equity or fixing a loan they are struggling with, delivered as records a lender or call center can work. This page is the umbrella for every mortgage lead type we sell. Each type has its own buyer, its own filters and its own script, so the sections below route you to the right product instead of selling one blended file.
Demand moves with rates. When rates fall, homeowners with older, higher-rate loans call about mortgage refinance leads. When rates are high, purchase and equity-driven demand carry more of the load, and cash-out refinance leads matter more. Homeowners aged 62 and over are the market for reverse mortgage leads, and borrowers behind on payments are the market for loan modification leads. Your mix should shift with the cycle, and one vendor that sells all of it makes the shift an order change instead of a new vendor search.
You can watch the cycle yourself. Freddie Mac publishes its Primary Mortgage Market Survey weekly, and the Mortgage Bankers Association publishes a weekly applications survey covering purchase and refinance. Set your triggers in advance, such as moving budget toward cash-out or purchase files when refinance applications cool, so the decision is made by rule and not by nerves. Because the same vendor supplies each type, that move is a change to your next order.
We have supplied wholesale leads since 2005 and serve 500+ call centers, with 300+ custom data filters. Every phone record is DNC-screened with consent documentation, and you can send a suppression list that we run before delivery.
Refinance, cash-out, reverse, loan modification, purchase and aged mortgage files come from one vendor, labeled by type, so one order can feed several desks without mixing audiences.
Estimated value, balance, loan-to-value band and current rate band let you cut each file to the product it supports, from rate-and-term to equity-led.
Originator licensing is state by state. We build files only for the states where your people are licensed, so your dials stay inside the states where your people are licensed.
Live transfer, real-time exclusive, targeted data list and aged 30 to 90 day files let you match speed and cost to each desk and each point in the rate cycle.
Each phone number is screened against the Do Not Call list and arrives with consent documentation, so your dialer and compliance file hold the same paperwork.
Send a suppression list and we run it before delivery. Records we verify as bad are replaced under our accuracy guarantee.
Match the lead type to your license and your products first. A desk licensed in a handful of states should order only those states. Mortgage origination is licensed under state law: the SAFE Act directs states to adopt minimum uniform standards for licensing and registering residential mortgage loan originators and to take part in the NMLS database. Confirm which of your people can take which applications, and give us the list of states. This is operator practice, not legal advice; have counsel review it.
Then pick the format by speed. Rate quotes age quickly, so real-time exclusive and live transfer leads belong in the dialer on arrival, especially when rates are falling. Targeted data lists suit segment campaigns, and aged files, typically 30 to 90 days old, keep a standing pipeline running at lower cost between rate moves. For the aged side, see our aged leads.
Start small in one type and one state. Measure contact, application, lock and funded rates, then add the next type. Refinance buyers who also work auto or student loan borrowers should read the refinance hub. Purchase and VA purchase files are built to order, so reach us through the contact page with your states and volumes.
Keep scripts truthful. Never promise a rate, savings or approval on a first call, and let a licensed loan officer explain terms. The CFPB's Regulation H describes the state licensing framework, and the sources below show where to check rate and application trends.
| Lead Type | Who Buys It | Key Filters | Details |
|---|---|---|---|
| Mortgage Refinance | Lenders and brokers working rate-and-term refinances | Rate band, equity, loan age, credit signals, state | Mortgage refinance leads |
| Refinance Hub (Mortgage, Auto, Student Loan) | Desks that run more than one refinance segment | Refinance type, rate spread, balance band, credit tier | Refinance leads hub |
| Cash-Out Refinance | Lenders and brokers lending against equity | Value, balance, loan-to-value band, stated purpose | Cash-out refinance leads |
| Reverse Mortgage | Reverse mortgage lenders and advisors | Age 62 and over, equity, balance, state | Reverse mortgage leads |
| Loan Modification | Mortgage assistance and servicing programs | Months behind, foreclosure status, value, income | Loan modification leads |
| Purchase and VA Purchase | Lenders and brokers working home buyers and veteran buyers | Veteran status, purchase timing, location, credit signals (built to order) | Ask about purchase leads |
| Aged Mortgage Lists | High-dial floors and lenders building a pipeline | Lead age, rate band, equity, state | Aged leads |
Weekly mortgage rates: Freddie Mac Primary Mortgage Market Survey. Application trends: MBA Weekly Applications Survey. Licensing: CFPB Regulation H and CSBS on the SAFE Act and NMLS.
Every mortgage record carries the borrower's name, phone number, mailing address with state and ZIP, and an email address where the source captured one. The lead type label routes the record to the right desk, and the DNC screen result and consent documentation travel with the phone number.
Type-specific fields sit on top. Refinance and cash-out records add estimated property value, mortgage balance, loan-to-value, current rate band, loan term, loan age and credit signals. Reverse mortgage records add age, and loan modification records add months behind and foreclosure status. Purchase records are scoped to the fields your program needs. Fields vary by source and format, so we confirm availability before you buy.
Values are estimates and credit fields are indicators, not approvals; your lender verifies and decides. Tell us your lead types, states and daily call volume through our contact page, and we will send a free count and quote.
Contact us today to get a free count and quote. Quick delivery, competitive pricing, and unmatched quality.
Contact Us →We sell mortgage refinance leads, cash-out refinance leads, reverse mortgage leads, loan modification leads and aged mortgage lists, plus refinance leads for auto and student loan desks through our refinance hub. Purchase and VA purchase files are built to order. Each type has its own filters, scripts and delivery formats.
Falling rates widen the spread for homeowners with older loans, which lifts rate-and-term refinance demand. When rates are high, purchase and equity-driven cash-out demand carry more of the load. Freddie Mac's weekly survey and MBA's weekly applications survey show the shift, so set budget triggers in advance.
Generally, people who take mortgage applications or negotiate terms must be licensed or registered as loan originators under state law implementing the SAFE Act, tracked through NMLS. Requirements vary by state and role. We build files only for the states you hold licenses in, and counsel should review your floor.
Yes. Purchase and VA purchase files are scoped to order, with fields such as veteran status and location depending on the source. Send your states, volume and delivery format through our contact page and we will confirm what we can build and give a free count.
Live transfer, real-time exclusive, targeted data list and aged 30 to 90 day files. Real-time and live transfer suit fast-moving rate windows, data lists suit segment campaigns, and aged files suit standing pipelines. Pricing depends on lead type, filters, format, exclusivity and volume, so request a free count and quote.
LeadsDataServices sells exclusive real-time mortgage leads, delivered to one buyer, alongside live transfers, data lists and aged files. Tell us the lead type, states and filters, and we confirm the exclusivity terms for your chosen format in writing before you order. Phones are DNC-screened with consent documentation.