South Dakota non-QM leads

How do I buy non-QM leads in South Dakota?

Loan officers licensed in South Dakota use Mortgage Leads Co to reach borrowers who qualify outside standard agency guidelines within seconds of the inquiry. Non-QM borrowers fall outside agency guidelines — bank statement, DSCR or asset-based qualification — so employment type and credit tier shape the first call. FHFA set the baseline one-unit conforming loan limit for South Dakota 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 $321,393 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Inside the buyer portal you choose SD as a licensed state and stack filters such as Self-employed / bank statement, Credit tier, Loan amount, Property type; anything outside them is never sent. Prices for non-QM leads start at $30 and reach $55 per lead, set by exclusivity and the borrower's self-reported credit tier rather than by state. To originate a mortgage on property in South Dakota you must hold the license South Dakota requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact South Dakota leads if you are properly licensed there. 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. Buyers across the Midwest often pair South Dakota with neighboring licensed states to raise volume while keeping cost per funded loan predictable.

• Self-employed / bank statement
• Credit tier
• Loan amount
• Property type
• Occupancy
• DSCR or asset-based