What is the cost per funded loan?

Divide the lead price by your contact rate and close rate. For example a $39 lead with a 50% contact rate and 10% close rate costs $780 per funded loan.

Are there setup fees or contracts?

No. You prepay a wallet and are charged per lead delivered.

Can I get credit for bad leads?

Real-time leads can be returned within 72 hours for approved reasons.

Lead cost guide

How much do cash-out refi leads cost in 2026?

Q: How much do cash-out refi leads cost in 2026?

$13 to $65 per lead at Mortgage Leads Co, depending on exclusivity and credit tier.

Cash-Out Refi Leads at Mortgage Leads Co cost $13–$65 per lead. Below is the full price table, the factors that move price, and a calculator that turns lead price into cost per funded loan using your own contact and close rates.

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Price table

Range: $13–$65

Cash-Out Refinance Live Transfer

Live call

Screened to your filters

$135–$150

per billable call

Billed only on connected calls lasting 90+ seconds.

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Exclusive Cash-Out

Excellent / Good credit (680+)

$65

per lead

Sold to you only, delivered in real time.

Exclusive Cash-Out

Fair credit (620–679)

$42

per lead

Sold to you only, delivered in real time.

Exclusive Cash-Out

Poor credit (<620)

$26

per lead

Sold to you only, delivered in real time.

Shared Cash-Out

Excellent / Good credit (680+)

$30

per lead

Sold to a maximum of 3 buyers.

Shared Cash-Out

Fair credit (620–679)

$20

per lead

Sold to a maximum of 3 buyers.

Shared Cash-Out

Poor credit (<620)

$13

per lead

Sold to a maximum of 3 buyers.

The 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.

What drives the price of a mortgage lead?

Exclusivity: Exclusive leads go to one buyer; shared leads go to up to 3 and cost roughly half.
Credit tier: Excellent/Good (680+) borrowers cost more than Fair (620–679) or Poor (<620).
Lead type: Investor (DSCR) and cash-out leads cost more than HELOC or aged leads.
Age: Aged leads drop from $5.00 (31–90 days) to $0.75 (1 year+).
Format: Live transfers are billed per connected call past 90 seconds, not per lead.

What does a funded loan cost?

Cost per funded loan = lead price ÷ contact rate ÷ close rate.

Lead price ($)

Contact rate (%)

Close rate (% of contacts)

Cost per funded loan

$780

20 leads per funded loan

Formula: lead price ÷ contact rate ÷ close rate. Uses your numbers — results vary.

Open the full lead ROI calculator

Important: Mortgage Leads Co is a lead generation marketplace. We are NOT a lender, mortgage broker or loan originator. We do not quote rates, approve loans, issue loan commitments or close mortgages. Buyers are solely responsible for licensing and compliance with TCPA, RESPA and applicable state law.

Frequently asked questions

Other cost guides

Mortgage leads cost Purchase Leads cost Refinance Leads cost DSCR Leads cost Home Equity / HELOC Leads cost Reverse Mortgage Leads cost Home Seller Leads cost Aged Leads cost Live Transfers cost

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