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Shared · Debt Consolidation

Shared Debt Consolidation Leads for loan officers

Shared Debt Consolidation Leads cost $13–$30 per lead. Homeowners consolidating debt through their home equity, matched to your filters and your licensed states.

Last updated October 25, 2026

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What's in a shared debt consolidation lead?

Everything a loan officer needs before buying shared debt consolidation leads — pricing, fields, filters, returns and compliance, in one place. Cash-out borrowers usually know how much they want and why, which makes LTV and cash-out amount the two most useful screening fields. A shared debt consolidation lead is sold to a maximum of three buyers for $13–$30 per lead, roughly half the exclusive price, which suits teams that call within seconds. Every record carries the borrower's name, phone, email and state plus cash-out amount, purpose of funds, loan balance, property value & ltv, 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. Delivery reaches you by email, text message, webhook or straight into CRMs such as GoHighLevel, Salesforce, HubSpot, Velocify, Jungo and Total Expert. Teams typically assign records to whoever can dial fastest, because the first conversation usually decides who earns the application. There are no contracts or setup fees: fund a prepaid wallet, set daily and monthly caps, and pause whenever your pipeline is full. 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 you must be licensed in every state you buy leads for.

  • Cash-out amount
  • Purpose of funds
  • Loan balance
  • Property value & LTV
  • Credit tier
  • Employment
  • Name, phone, email
  • Consent text, timestamp & IP
Sample lead Real-time
Borrower name hidden until purchase
Loan purpose
Debt Consolidation
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 shared debt consolidation leads cost?

Shared Debt Consolidation Leads: $13–$30 per lead, straight from our published rate card.

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.

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Exclusive Cash-Out

Fair credit (620–679)

$42

per lead

Sold to you only, delivered in real time.

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Exclusive Cash-Out

Poor credit (<620)

$26

per lead

Sold to you only, delivered in real time.

Sign up

Shared Cash-Out

Excellent / Good credit (680+)

$30

per lead

Sold to a maximum of 3 buyers.

Sign up

Shared Cash-Out

Fair credit (620–679)

$20

per lead

Sold to a maximum of 3 buyers.

Sign up

Shared Cash-Out

Poor credit (<620)

$13

per lead

Sold to a maximum of 3 buyers.

Sign up

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 shared vs other debt consolidation leads

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

How to work these leads

Best time to call refinance leadsCash-out refinance lead tips

Frequently asked questions

Start receiving debt consolidation leads

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