Real-Time · Refinance
Buy real-time refinance leads
Real-Time Refinance Leads cost $12–$55 per lead. Homeowners requesting a rate/term refinance, matched to your filters and your licensed states.
Last updated October 25, 2026
What's in a real-time refinance lead?
Real-time refinance leads connect you with homeowners requesting a rate/term refinance. Here is the price, the data on each record and how delivery works. Refinance borrowers compare rates quickly, so current rate and loan balance help you decide in seconds whether a lower payment is realistic. Real-time refinance leads arrive within seconds of the borrower submitting the form, priced $12–$55 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 current rate, loan balance, property value & ltv, credit tier, 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. Orders route to your inbox, phone, webhook endpoint or CRM the moment a matching borrower submits, and Zapier covers hundreds of other tools. This product suits brokers shopping several wholesale lenders, banks expanding their footprint and non-QM shops that need a steadier flow of qualified conversations. There are no contracts or setup fees: fund a prepaid wallet, set daily and monthly caps, and pause whenever your pipeline is full. Most teams begin with a modest daily cap, phone every new record within the first minute, log outcomes in their CRM and review contact rate, application rate and cost per funded loan after thirty days before scaling budget up or down. 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.
- Current rate
- Loan balance
- Property value & LTV
- Credit tier
- Property type
- Occupancy
- Name, phone, email
- Consent text, timestamp & IP
- Loan purpose
- Refinance
- Location
- Your licensed states
- Credit tier
- Good (680+)
- Consent
- Text, timestamp, IP + certificate
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 refinance leads cost?
Real-Time Refinance Leads: $12–$55 per lead, straight from our published rate card.
Refinance Live Transfer
Live callScreened to your filters
per billable call
Billed only on connected calls lasting 90+ seconds.
Request accessExclusive Refinance
Excellent / Good credit (680+)
per lead
Sold to you only, delivered in real time.
Sign upThe 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.
When to buy real-time vs other refinance leads
The same borrowers, sold four ways — pick the one that matches your speed and budget.
Other ways to buy refinance leads
How to work these leads
Frequently asked questions
Real-Time leads in other types
Top states for refinance leads
Start receiving refinance leads
Create your account, set your filters and get your first lead in minutes.