Non-QM Leads for Tennessee loan officers

How do I buy non-QM leads in Tennessee?

Brokers and lenders working Tennessee buy non-QM leads here to add borrowers who qualify outside standard agency guidelines to their pipeline without a contract. 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 Tennessee 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 $335,560 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Add Tennessee (TN) to your licensed states, then narrow delivery with Self-employed / bank statement, Credit tier, Loan amount, Property type so only the right borrowers reach you. 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 Tennessee you must hold the license Tennessee requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact Tennessee 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. 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 South often pair Tennessee 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