Non-QM Leads for Utah loan officers

How do I buy non-QM leads in Utah?

Brokers and lenders working Utah 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 Utah 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 $546,553 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Add Utah (UT) 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 Utah you must hold the license Utah requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact Utah 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. Most teams begin with a modest daily cap, phone every new record within the first minute, log outcomes in their CRM and review contact rate, application rate and cost per funded loan after thirty days before scaling budget up or down. Buyers across the West often pair Utah 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