St. Louis mortgage leads

Mortgage leads in the St. Louis area

The St. Louis metro area is one of the largest housing markets in the country, and this page covers the three ways buyers usually work it: general mortgage leads, refinance leads and purchase leads. FHFA set the baseline one-unit conforming loan limit for Missouri at $832,750 for 2026, so larger requested amounts are jumbo scenarios. FHA one-unit limits run from $541,287 to $1,249,125 depending on the county. The typical home value is $264,646 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Routing works at the state level: add Missouri to your licensed states and set loan amount, credit tier and property filters that match St. Louis-area borrowers. Refinance leads include current rate, balance and value so you can check whether a lower payment is realistic; purchase leads include timeframe and first-time buyer status so you can prioritize buyers already under contract. To originate a mortgage on property in Missouri you must hold the license Missouri requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact Missouri leads if you are properly licensed there. Delivery goes to email, SMS, webhook or your CRM, and each record carries the consent text, timestamp, IP and certificate captured on the form. 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.