Aged Mortgage Leads for California loan officers

How do aged mortgage leads work in California?

If you originate in California and are weighing aged mortgage leads, here is the price from our rate card, the borrowers you can reach and how delivery works. Aged leads are opt-in inquiries more than 30 days old, priced $0.50–$5 per record by age band with a 25-lead minimum and bulk discounts. Aged California records suit dialer campaigns, text nurture within consent and newer loan officers practicing their call flow at a low cost per conversation. Lead types available this way in California include purchase leads, refinance leads, cash-out refi leads, DSCR leads, home equity / HELOC leads, reverse mortgage leads, FHA leads, VA leads. FHFA set the baseline one-unit conforming loan limit for California 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 $809,227 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Routing checks your CA license selection, loan purpose, credit tier, loan amount and daily caps before anything is charged to your wallet, so you never pay for borrowers outside your footprint. To originate a mortgage on property in California you must hold the license California requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact California leads if you are properly licensed there. There are no contracts or setup fees: fund a prepaid wallet, set daily and monthly caps, and pause whenever your pipeline is full. 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. Buyers across the West often pair California with neighboring licensed states to raise volume while keeping cost per funded loan predictable.