Refinance and Cash-Out Mortgage Leads, Delivered as Exclusive Live Transfers
A mortgage refinance lead from Radian Leads is not a name in a spreadsheet. It is a homeowner who asked about refinancing, answered your qualification questions on a recorded call, said yes to speaking with a lender, and is being handed to your loan officer while they are still on the line. Each transfer goes to one client. We never share or resell the same borrower.
You pay per billable transfer. A transfer is billable once the borrower and your loan officer have talked for 3 minutes or more (some programs use 90 seconds). Shorter calls are not billed. If the recording shows the borrower fell outside the criteria you agreed to, the transfer is replaced.
The borrower reaches you like this. A homeowner submits an opted-in form, online or by phone, asking about their mortgage. Our qualification specialist calls back the same day where possible, always inside the consent window, from the same number and under the same company name every time. The specialist asks your criteria one question at a time, then transfers the call with a 15-second handoff in the borrower's own words.
Refinance campaign types we run
Tell us which program you want to fill and we set the screening to match.
- Rate-and-term refinance. A lower payment, a shorter term, a fixed rate in place of an adjustable one, or PMI removed. Conventional, FHA and VA versions are in our program library.
- Cash-out refinance. The homeowner replaces the first mortgage with a larger loan and takes the difference. Conventional, FHA and VA cash-out, jumbo and Texas 50(a)(6) are supported; our published October 2026 campaign numbers are below.
- FHA streamline. A homeowner already in an FHA loan who wants a lower payment. Our specialist confirms the current loan is FHA; your loan officer confirms eligibility.
- VA IRRRL. A veteran already in a VA loan. The specialist confirms service history and current loan type; the loan officer handles eligibility. For VA cash-out, see our VA loan leads.
- Debt consolidation. Several consumer debts rolled into one mortgage payment. We screen for the equity and the intent; the loan officer builds the comparison.
Who the refinance borrower is
Every refinance borrower we transfer is on title, has told us why they want to refinance, and has a real reason, not rate curiosity. They have confirmed a 30-to-60-day horizon, said yes to a lender call, and have about 15 minutes to talk now or have booked a callback. They have not been sent to your company in the last 30 days and are not already working with one of your loan officers.
That is the difference between a live transfer and an internet lead; see what live transfer leads are.
What we screen for on a refinance campaign
Each row is a question the specialist asks out loud, with the answer on tape.
| Criteria category | What the specialist confirms | Your value |
|---|---|---|
| Owner and occupancy | On title; primary only, or second homes and rentals too | Set by you |
| State | A state where you are licensed, with exclusions | Set by you |
| Property type | Single-family, condo, 2 to 4 units, manufactured on a permanent foundation; not under construction | Set by you |
| Existing liens | Current loan type; no existing reverse mortgage unless allowed | Set by you |
| Value and equity | Value floor; combined LTV cap including new money; loan minimum | Set by you (a current program uses $150,000 and 80%) |
| Credit and history | Score floor; lookbacks for 30-day lates, bankruptcy, foreclosure | Set by you (620 and 24 months on a current program) |
| Purpose | Rate-and-term, cash-out, streamline, debt consolidation | Set by you |
| Timing | 30-to-60-day horizon; about 15 minutes now, or a booked callback | Set by you |
| Consent | Clear yes to speaking with a lender, confirmed on the recording | Always required |
| Duplicates | Not sent to you inside 30 days; not already with your loan officer | Always applied |
Qualification is based on information consumers provide during screening. Our specialist is not a loan officer and never quotes rates, payments or approvals.
What your loan officer receives in the handoff
Your loan officer hears the handoff while the borrower is on the line. It takes about 15 seconds and repeats the borrower's answers in their own words: where the property is, what loan they have, what they want to do and why, and the answers to your criteria questions. The borrower never repeats the basics.
We collect nothing sensitive on our call: no SSN, date of birth, email or bank details. The typical loan officer conversation runs about 15 minutes. Afterward, the dual-channel recording of our qualifying call sits in your dashboard at client.radianleads.com, scored against your criteria, with a replacement request next to it.
Published results
These are published figures, not guarantees. They are first-week figures from one campaign, published in our October 2026 release: a cash-out refinance campaign for one licensed lender, Oct 27 to 31, 2026, covering VA, FHA and conventional cash-out, HELOC and second-lien programs.
| Measure | First-week figure |
|---|---|
| Routed transfers connected to a loan officer | 65% |
| Connected calls meeting the 3-minute billable threshold | 71% |
| Billable transfers reaching a completed loan application on the first call | 41.7% |
| Billable transfers that were homeowners seeking to access equity | 100% |
| Cost per funded loan (at $110 per transfer, 41.7% to application, assumed 50% application-to-fund) | $530 |
From our Q4 2026 KPI release, covered by AP News, Yahoo Finance, Benzinga and Business Insider: a 17.6% transfer-to-application rate on live mortgage transfers, and about 16 minutes (15:57) average conversation between borrower and loan officer.
How to start
- Request a quote. During business hours (Monday to Friday, 9 a.m. to 5 p.m. Pacific) a representative reaches out within 5 minutes; otherwise the next business day.
- Agree the criteria: states, programs, consumer qualifications, transfer quantity and a planned delivery timeframe. A dedicated account manager owns the campaign.
- Buy transfers in a block of credits. Each billable transfer draws down one credit; replaced transfers return to your balance.
- Take calls. Every transfer is recorded and scored in your dashboard.
Pricing detail is on our mortgage leads pricing page.
Frequently asked questions
We price per billable transfer, not per lead. Transfers are priced between $110 and $140 per billable transfer, depending on loan program, states and criteria. Our transfers are priced between $110 and $140 per billable transfer by program; our published campaign math used $110, the bottom of that range. Third-party guides put mortgage live transfers at roughly $80 to $250 per qualified transfer; those are published ranges, not our pricing. Request a quote for your program.
Exclusive. One transfer goes to one client, and we never resell the borrower. See our exclusive mortgage leads page.
The front-end qualifying recording is the evidence. If the answers fall outside the agreed criteria, you request a replacement in the dashboard and the credit returns to your balance.
Many still want cash, and some are better served by a second lien. Lenders often run cash-out and HELOC leads side by side and let the loan officer decide.
Yes. Run several programs under one set of criteria, or split them with different screening. For FHA-only, see FHA mortgage leads.
Ready to fill your refinance pipeline?
Tell us your states, programs and volume. We will come back with a quote.
Radian Leads is not a lender, not a broker, not a government agency and not affiliated with the VA. Loan terms come only from the licensed loan officer. We only work with licensed lenders, brokers and loan officers. See all mortgage leads programs.