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.
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.
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.
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 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.
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.
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.
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.
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.
Delivery: CSV file with column headers for aged, real-time webhook (JSON POST) for live flows, or both in parallel.
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.
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.
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.
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.
"We hit quota our second month using this. Great team and lightning-fast delivery that actually works."
"High quality leads and they helped us tune our dialer scripts. Support team is incredibly responsive."
"Quality verified leads at a fair price. ROI has been excellent. Highly recommend for serious agencies."
Pick a lead type, choose your states, and start receiving leads the same day.
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