New York exclusive mortgage leads

How do exclusive mortgage leads work in New York?

This page explains how exclusive mortgage leads work for loan officers licensed in New York: what each record includes, the published price and which lead types you can buy. An exclusive lead is sold exactly once: when a New York borrower matches your filters, nobody else in our marketplace receives that record. Exclusive real-time leads cost $7–$55 per lead depending on lead type and credit tier, and because there is no race against other buyers, a well-run call flow usually earns a higher contact and application rate. Lead types available this way in New York 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 New York 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 $487,737 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Routing checks your NY 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 New York you must hold the license New York requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact New York leads if you are properly licensed there. You can pause, resume or change caps at any moment, and real-time leads that meet an approved reason can be returned within 72 hours. 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. Buyers across the Northeast often pair New York with neighboring licensed states to raise volume while keeping cost per funded loan predictable.