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Real-Time · Non-QM

Real-Time Non-QM Leads for loan officers

Real-Time Non-QM Leads cost $40–$85 per lead. Borrowers who qualify outside standard agency guidelines, matched to your filters and your licensed states.

Last updated October 25, 2026

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What's in a real-time non-QM lead?

If you are comparing real-time non-QM leads, start here: real prices from our rate card, the exact fields on each record and the rules that protect you. Non-QM borrowers fall outside agency guidelines — bank statement, DSCR or asset-based qualification — so employment type and credit tier shape the first call. Real-time non-QM leads arrive within seconds of the borrower submitting the form, priced $40–$85 per lead depending on exclusivity and the borrower's self-reported credit tier. Every record carries the borrower's name, phone, email and state plus self-employed / bank statement, credit tier, loan amount, property type, and you can filter on each of these before anything is delivered. Consent text, a timestamp, the IP address and a TrustedForm or Jornaya certificate are attached wherever the source form captured them. Choose email, SMS, webhook or a CRM integration for delivery; each channel works independently, so alerts and automation can run side by side. Buyers range from solo loan officers replacing cold calling to branch managers routing volume across a team with per-person caps and schedules. Delivery goes to email, SMS, webhook or your CRM, and each record carries the consent text, timestamp, IP and certificate captured on the form. Successful buyers usually pair instant alerts with a written follow-up cadence of calls, texts sent within consent and short emails, then measure results weekly instead of judging a source on its first handful of conversations. Mortgage Leads Co is a lead marketplace, not a lender, broker or loan originator, and you must be licensed in every state you buy leads for.

  • Self-employed / bank statement
  • Credit tier
  • Loan amount
  • Property type
  • Occupancy
  • DSCR or asset-based
  • Name, phone, email
  • Consent text, timestamp & IP
Sample lead Real-time
Borrower name hidden until purchase
Loan purpose
Non-QM
Location
Your licensed states
Credit tier
Good (680+)
Consent
Text, timestamp, IP + certificate
Illustrative layout — real leads show full contact details after purchase.

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.

How much do real-time non-QM leads cost?

Real-Time Non-QM Leads: $40–$85 per lead, straight from our published rate card.

DSCR Live Transfer

Live call

Screened to your filters

$150

per billable call

Billed only on connected calls lasting 90+ seconds.

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Exclusive DSCR

All credit tiers

$85

per lead

Sold to you only, delivered in real time.

Sign up

Shared DSCR

All credit tiers

$40

per lead

Sold to a maximum of 3 buyers.

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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.
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.

When to buy real-time vs other non-QM leads

The same borrowers, sold four ways — pick the one that matches your speed and budget.

How to work these leads

DSCR lead call scriptsHow much do mortgage leads cost?What is a DSCR lead?

Frequently asked questions

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