Buy Mortgage Leads for Purchase and Refinance

Mortgage leads are consumer inquiries about purchase, refinance, cash-out, and VA loans. ClosrLeads delivers real-time and aged mortgage records with timestamped TCPA consent and state, loan-purpose, and loan-amount filters, built for loan officers who need to pre-qualify and lock quickly.

★ 4.98/5 from 1,400+ reviews TCPA-compliant consent capture Starting at $1.00 per lead Real-time CSV or webhook delivery

Mortgage lead pricing at a glance

Every product below is built for licensed insurance agents and agencies. Pricing starts at $1.00 per lead on aged volume; real-time and niche-filtered pricing varies by filter set, state, and daily volume. Live pricing and available filters are on the shop page.

Real-Time Volume

Steady daily flow

$ priced by volume
  • Even daily delivery for dialer teams
  • Balanced pricing structure
  • CSV or webhook delivery
  • State and age filters available
Real-Time Form Filled

High-intent inquiries

$ quote on filters
  • Verified opt-in with timestamp
  • Best for quality-first agents
  • Immediate engagement window
  • TrustedForm certificates on request
Aged Leads

Budget-friendly nurture

$1.00/lead
  • Starts at one dollar per record
  • Ideal for SMS warm-ups
  • Volume discounts with bulk codes
  • State-level targeting included
Niche Leads

Custom filters

$ quote by filter
  • State, age band, coverage interest
  • Custom combinations on request
  • Higher conversion potential
  • Subject to availability per state

See all products and filters →

What are mortgage leads?

Mortgage leads are contact records for consumers shopping for a home loan. The category splits into four main sub-types: purchase (first-time buyers and move-up buyers), rate-and-term refinance (rate-driven, fee-sensitive), cash-out refinance (equity-driven, often debt consolidation), and VA loans (veteran eligibility, guarantee-backed). Each record carries the standard contact fields, property state, loan purpose, estimated loan amount where the source captured it, and the timestamped TCPA consent that lets a licensed loan officer follow up.

Mortgage lead behavior is driven by one number more than any other: the 30-year fixed rate. When it falls, refi volume explodes, pricing briefly cools as supply overruns demand, then normalizes. When it rises, refi volume drops, purchase becomes a higher share of the mix, and pricing rises as total supply tightens. Purchase volume is steady across a wider rate band because purchase decisions are driven by life events (marriage, job change, growing family) rather than by rate arbitrage.

How much do mortgage leads cost?

Aged mortgage leads run $1 to $5 per record. Real-time volume mortgage inventory runs $15 to $40. Real-time form-filled with loan-purpose and loan-amount filters can run $40 to $90. VA-specific and jumbo-specific filter sets carry the highest per-lead pricing because the average loan size and lender compensation are higher than conventional conforming loans.

Per-funded-loan cost is the metric that matters. A $60 real-time purchase lead that funds at 4% is cheaper per closing than a $3 aged lead that funds at 0.05%, even though the per-lead price is 20x. Loan officers who compare providers on per-lead price alone almost always pick the wrong source for their operation.

Real-time vs aged mortgage leads

Real-time dominates mortgage because the consumer is comparing LOs actively and the first qualified conversation usually wins the pre-approval. Aged is viable for specific cadence-heavy LOs who SMS and email over weeks, particularly on cash-out leads where the consumer may be early in their debt-consolidation research. Refi leads age poorly in a volatile rate environment because the rate the consumer was quoted at capture is no longer the rate the LO can deliver a week later.

How our mortgage leads are generated and verified

All ClosrLeads mortgage records come from web-based quote forms with explicit TCPA consent language and captured source metadata. Source page, click timestamp, IP, user agent, and origin URL are recorded. Submissions pass duplicate detection, IP and device reputation checks, phone and email validation, and state suppression before delivery or aging. Real-time form-filled products can deliver TrustedForm certificate URLs where the source supports it.

Who buys mortgage leads

Independent loan officers, retail mortgage brokers, correspondent lenders, and credit-union mortgage teams all buy from ClosrLeads. The common thread is an LOS (Encompass, Arive, Calyx, LendingPad) that can accept a webhook or CSV and a licensed LO with multiple state licenses to match the filter footprint of their order.

How to work mortgage leads

Speed wins on real-time. The LO who reaches a purchase lead same-day, gathers a clean loan estimate intake (credit band, down payment, target property, monthly payment comfort), and returns a pre-approval letter inside 24 hours tends to win the case, especially in purchase. For refi, the LO who locks a rate-aware quote the day the lead comes in often beats the LO who follows up a week later at a worse rate.

On aged cash-out and aged refi, run a disciplined 10 to 14 touch cadence over two to three weeks. Many consumers fill out a mortgage quote form as part of a broader financial decision (debt paydown, home improvement, tuition planning) and are not ready to act for weeks. SMS nurture that references the original request is more effective than a dialer burst that assumes the consumer is ready today.

What data you get with every mortgage lead

Every record includes the fields licensed agents need to open a conversation and stay compliant. Additional fields may be available for real-time and niche lead types depending on the source and filter set.

  • First and last name
  • Phone number
  • Email address
  • State
  • ZIP code / property state
  • Loan purpose (purchase, refi, cash-out, VA)
  • Estimated loan amount (where captured)
  • Credit band (where captured)
  • Consent timestamp
  • Capture method / source page

Delivery: CSV file with column headers for aged, real-time webhook (JSON POST) for live flows, or both in parallel.

TCPA compliance and consent documentation

Every mortgage lead delivered through ClosrLeads is captured with timestamped, affirmative consent that documents who consented, when, how, and on what web property. The consent record is available on request, and is what your compliance team will need if a call or text is ever challenged under the Telephone Consumer Protection Act (TCPA) or state telemarketing rules.

Beyond opt-in capture, submissions are screened against duplicate, DNC, and quality signals, and high-risk inputs are filtered out before delivery. Buyers are responsible for maintaining their own calling-time windows, DNC policy, agent training, and state-level registrations. We document the consent; you document the agent behavior. Used together, the two form a defensible TCPA posture.

For the full regulatory picture, the FCC and FTC publish guidance on TCPA and telemarketing rules. Agents should also review their state insurance department bulletins for any state-specific requirements around lead calls, texts, and solicitation language.

Who buys mortgage leads from ClosrLeads

The Purchase-Focused Loan Officer

LO working the pre-approval conversation daily. Buys real-time purchase leads with realtor-referral style urgency and aged leads for drip nurture between rate cycles.

The Refinance Specialist

Broker who scales up when rates drop. Buys real-time refi volume aggressively in low-rate windows and pauses or scales back when rates climb.

The VA Loan Specialist

Veteran-focused LO running a narrow filter set (VA eligibility, eligible states, specific loan-amount bands). Works fewer leads at a higher per-lead cost and much higher conversion.

Frequently asked questions

What is a mortgage lead?
A mortgage lead is a consumer inquiry about a home loan, typically purchase, rate-and-term refinance, cash-out refinance, or VA loan. Records include the standard contact fields, property state, loan purpose, estimated loan amount where captured, and the timestamped TCPA consent that authorizes a licensed loan officer to follow up.
How much do mortgage leads cost?
Aged mortgage leads typically run $1 to $5. Real-time mortgage volume runs $15 to $40. Real-time form-filled with loan-purpose and loan-amount filters can run $40 to $90. VA and jumbo filter sets carry the highest per-lead pricing because the average loan size and commission are higher.
Are mortgage leads TCPA-compliant?
Yes. ClosrLeads mortgage inventory is captured with timestamped TCPA consent language authorizing contact from a licensed loan officer. Mortgage carries additional UDAAP and fair-lending considerations that live outside TCPA; buyers are responsible for their own disclosures and state-level licensing compliance in addition to the consent record.
Can I filter by loan purpose?
Yes. Purchase, rate-and-term refinance, cash-out refinance, VA, and FHA filters are available on most real-time form-filled mortgage inventory. Tighter filter combinations reduce daily delivery volume and adjust per-lead pricing.
Can I filter by state only?
Yes. State-level targeting is standard. Loan officers licensed in a specific set of states can order inventory restricted to those states only. This matters in mortgage more than most verticals because state licensing is narrower than insurance licensing.
What happens when rates change?
Refinance lead volume and pricing respond sharply to 30-year fixed rate movement. In a falling-rate environment, real-time refi inventory scales up and pricing softens as supply overtakes demand. In a rising-rate environment, refi volume drops and pricing rises as supply tightens. Purchase volume is less rate-sensitive.
How are mortgage leads delivered?
Real-time leads post to the buyer CRM or LOS by webhook, with CSV mirrors written in parallel. Aged leads are delivered as CSV from the buyer dashboard, ready for CRM import or SMS nurture.
Do you offer exclusive mortgage leads?
Yes, on real-time form-filled products where source exclusivity is possible. Exclusive inventory costs more per lead because the source cannot resell the record. Shared inventory is cheaper but requires faster dialing speed to win the conversation.
What is the replacement policy for mortgage leads?
Invalid contacts meeting the defined criteria (disconnected numbers within the review window) can be submitted for replacement through the support contact page. The policy covers defective records, not application submission or underwriting outcomes.
Can I cross-sell home insurance to mortgage leads?
Yes, and many LOs do. A purchase mortgage lead is a home insurance lead six weeks later when the buyer needs the binder for closing. Agencies with both an LO license and P&C license run this cross-sell naturally; mortgage-only LOs typically refer out for a split.

What agents are saying

★★★★★

"We hit quota our second month using this. Great team and lightning-fast delivery that actually works."

Amanda B. — Licensed Agent
★★★★★

"High quality leads and they helped us tune our dialer scripts. Support team is incredibly responsive."

James T. — Insurance Agency Owner
★★★★★

"Quality verified leads at a fair price. ROI has been excellent. Highly recommend for serious agencies."

Leo M. — Independent Broker

Ready to buy mortgage leads?

Pick a lead type, choose your states, and start receiving leads the same day.

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A note from the ClosrLeads team. We build this platform for the agents and agency owners who use it every day. That means consent documentation that holds up under scrutiny, delivery that arrives when we said it would, and a replacement policy for invalid contacts. If any mortgage lead you receive does not meet the quality we promised, reach out through the support contact page and we will make it right.
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