Utah shared mortgage leads

How do shared mortgage leads work in Utah?

If you originate in Utah and are weighing shared mortgage leads, here is the price from our rate card, the borrowers you can reach and how delivery works. 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 Utah 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 Utah 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 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). Routing checks your UT 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 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. 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 West often pair Utah with neighboring licensed states to raise volume while keeping cost per funded loan predictable.