Shared Mortgage Leads for Texas loan officers

How do shared mortgage leads work in Texas?

Brokers and lenders working Texas buy shared mortgage leads here to add borrowers to their pipeline without a contract. A shared lead is sold to a maximum of three buyers, including you, and costs $4–$30 per lead depending on lead type and credit tier — roughly half the exclusive price. Shared Texas leads reward teams that call within seconds, because the first loan officer to reach the borrower usually earns the conversation. Lead types available this way in Texas 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 Texas 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 $308,212 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Routing checks your TX 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 Texas you must hold the license Texas requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact Texas 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 South often pair Texas with neighboring licensed states to raise volume while keeping cost per funded loan predictable.