Buyer's guide
Best non-QM leads: a buyer's guide for 2026
The best non-QM leads come from a source that shows you where leads are generated, publishes its prices, documents consent on every record and lets you return bad leads. The right choice depends on your budget, your call capacity and how quickly your team can work a new lead. This guide gives you the checklist to judge any provider — including us.
Last updated October 25, 2026
Disclosure: This guide is published by Mortgage Leads Co, a lead marketplace — not a lender, broker or loan originator. We don't rank vendors and we don't claim to be the "#1" or "best" provider; this page gives you the criteria to judge any source, including us.
Last reviewed October 25, 2026 · Reviewed by the Mortgage Leads Co editorial team
What "best" actually means here
The best non-QM leads come from a source that shows you where leads are generated, publishes its prices, documents consent on every record and lets you return bad leads. The right choice depends on your budget, your call capacity and how quickly your team can work a new lead. This guide gives you the checklist to judge any provider — including us. When you compare non-QM leads, ignore badges and star ratings on a vendor's own site and ask for specifics: the source of the lead, how many buyers receive it, the exact price, the return policy and the consent documentation. At Mortgage Leads Co, non-QM leads cost $40–$85 per lead, and the full rate card is published on the pricing page. Mortgage Leads Co generates leads on consumer websites it owns and operates, sells exclusive leads to one buyer and shared leads to a maximum of three, and includes consent text, a timestamp, an IP address and a TrustedForm or Jornaya certificate where the source form captured one. Real-time leads arrive within seconds by email, SMS, webhook or CRM, and there are no contracts or setup fees — you prepay a wallet and pause anytime. A practical rollout is to test one product for two to four weeks, track which borrowers answer, apply and close, then shift spend toward whatever produces the lowest acquisition cost for your team. Mortgage Leads Co is a lead marketplace, not a lender, broker or loan originator, and this guide is published by Mortgage Leads Co.
How to judge a non-QM leads provider
Ten criteria that separate a good lead source from an expensive lesson — and how Mortgage Leads Co answers each one.
| Criterion | How Mortgage Leads Co answers it |
|---|---|
| Lead source | Leads are generated on consumer websites Mortgage Leads Co owns and operates — not resold or co-registration data. See Our Lead Sources. |
| Exclusivity and max buyers | Exclusive leads are sold to exactly one buyer; shared leads to a maximum of three. |
| Published per-lead price | The full rate card is public on the pricing page — from $0.75 aged leads to $150 live transfer calls. |
| Return window and reasons | Real-time leads can be returned within 72 hours for a bad phone number, wrong information, a duplicate, a consumer outside your licensed states or a consumer who says they never requested information. Approved returns are credited to your wallet. |
| Consent documentation | Every lead carries the consent text, a timestamp and an IP address, plus a TrustedForm or Jornaya certificate where the source form captured one. |
| Filters available | Licensed states, loan purpose, credit tier, loan amount, property value, LTV, property type, occupancy, timeframe and more. |
| Delivery speed and methods | Real-time leads arrive within seconds by email, SMS, webhook or CRM — GoHighLevel, Salesforce, HubSpot, Velocify, Jungo, Total Expert and more. |
| Contracts and minimums | No contracts and no setup fees. Prepaid wallet packs from $250; aged orders have a 25-lead minimum. |
| Licensing-state controls | You select your licensed states during onboarding and routing only sends you borrowers from those states. |
| Aged-lead age bands | Aged inventory is priced by age band: 31–90 days, 91–180 days, 181–365 days and 1 year+. |
Other types of lead sources to consider
No named vendors — just the categories, so you can compare like for like.
Consumer comparison portals
Large marketplaces where borrowers compare offers from several lenders. High intent, but leads are typically shared and priced at a premium.
Pay-per-call and live transfer networks
You pay per connected call instead of per form fill. Good for teams that answer live; check the minimum call duration before you're billed.
Learn more →Aged-lead brokers
Older opt-in inquiries sold in bulk at low prices. Ask how old the records are, how many times they were sold and whether opt-outs were scrubbed.
Learn more →Your own Facebook or Google ads
Full control and exclusive leads, but you carry the creative, landing pages and cost-per-lead risk yourself.
Learn more →Referral partnerships
Real estate agents, builders and financial advisors can send warm referrals. Slow to build, but often the highest-trust source.
Trigger leads
Credit-bureau triggers were heavily restricted when the Homebuyers Privacy Protection Act took effect in March 2026, so most buyers now need an alternative source.
Learn more →Questions to ask any vendor before buying
- Where do your leads come from — your own websites, affiliates, or resold data?
- How many buyers receive each lead, and can I buy exclusively?
- What is the exact per-lead price for my lead type and credit tiers?
- What is your return window, and which return reasons qualify?
- What consent documentation ships with each lead — consent text, timestamp, IP, TrustedForm or Jornaya?
- Which filters can I set before a lead is delivered to me?
- How fast are leads delivered, and into which systems — email, SMS, webhook or my CRM?
- Are there contracts, minimum orders or setup fees?
Key facts about Mortgage Leads Co
- Mortgage Leads Co is a marketplace where loan officers, brokers and lenders buy mortgage leads; it is not a lender, mortgage broker or loan originator.
- Lead types sold: Purchase, Refinance, Cash-Out, DSCR, Home Equity, Reverse, Home Seller, aged leads and live transfer calls.
- An exclusive lead is sold to exactly one buyer; a shared lead is sold to a maximum of three buyers.
- Real-time leads can be returned within 72 hours for approved reasons and are credited back to the buyer's wallet.
- There are no contracts or setup fees; buyers prepay a wallet and pay only for leads delivered.
- Wallet packs are available at $250, $500, $1,000, $2,500.
- Leads are available in all 50 states plus Washington, DC, and routing only sends borrowers from the buyer's licensed states.
- Every lead includes consent documentation: consent text, a timestamp, an IP address and a TrustedForm or Jornaya certificate where captured.
What non-QM leads cost at Mortgage Leads Co
Straight from the published rate card — no quotes, no sales calls.
DSCR Live Transfer
Live callScreened to your filters
per billable call
Billed only on connected calls lasting 90+ seconds.
Request accessThe fine print, in plain English
- Exclusive: sold one time, to one buyer only.
- Shared: sold to a maximum of 3 buyers.
- Live transfers: billed only for connected calls that pass the 90-second buffer.
- Per-product: prices and available filters are shown for each product above.
- No guarantees: buying leads doesn't guarantee lead volume, contact rates or closed loans.
- Not a lender: Mortgage Leads Co doesn't lend, broker, quote rates or approve loans.
Frequently asked questions
Related pages
More buyer's guides
- Lead source
- Exclusivity and max buyers
- Published per-lead price
- Return window and reasons
- Consent documentation
- Filters available
- Delivery speed and methods
- Contracts and minimums
- Licensing-state controls
- Aged-lead age bands
Test us against this checklist
Fund a wallet from $250, set your filters and measure cost per funded loan for 30 days.