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No contracts. No setup fees. $300 minimum to get started.
Talk to an account executive and get set up today.
Or call us directly: 888-271-9581
Why Buy Refinance Leads?
Homeowners Will Always Need to Refinance. The Question Is Who Reaches Them First.
Regardless of where the Federal Reserve sets benchmark rates, mortgage refinance leads represent one of the most durable and high-intent categories in residential lending. Homeowners refinance to lower their monthly payment, switch from an adjustable to a fixed rate, pull equity for home improvement or debt payoff, reduce loan term, or take advantage of government streamline programs that simplify the process.
Lead Planet has been generating and delivering qualified mortgage refinance leads since 1999 — nearly three decades of first-party lead production from our own consumer websites, TV campaigns, radio spots, and direct mail programs. When a homeowner submits a refinance inquiry on one of our properties, that lead reaches your loan officer in real time, while motivation is highest and contact rates are strongest.
Ready to Get More Qualified Leads?
No contracts. No setup fees. $300 minimum to get started.
Talk to an account executive and get set up today.
Or call us directly: 888-271-9581
Refinance Lead Types
Every Type of Refinance Lead, Explained and Available
Not all refinance borrowers have the same goal. Understanding each refinance category allows your loan officers to engage with the right message from the very first call — dramatically improving contact-to-application rates. Lead Planet generates all of the following refinance lead types and can filter each one to your exact underwriting criteria.
Most Requested
Cash-Out Refinance Leads
Cash-out refinance leads are among the highest-intent inquiries in the refinance market. These borrowers are replacing their existing mortgage with a larger loan and receiving the difference in cash — typically to fund home improvements, consolidate high-interest debt, cover education costs, or build an emergency reserve. With U.S. homeowner equity near record levels, the demand for cash-out refinancing remains consistently strong regardless of the broader rate environment.
Lead Planet cash-out refinance leads are generated from homeowners who have actively researched their equity position and are seeking a lender who can help them access it efficiently. These leads tend to have higher average loan amounts and stronger borrower engagement than rate-and-term inquiries.
Equity-driven, high loan amounts-Strong intent regardless of rates-Available exclusive or shared-All credit grades available
Rate-Sensitive
Rate-and-Term Refinance Leads
Rate-and-term refinance leads come from homeowners seeking to lower their interest rate, reduce their monthly payment, shorten their loan term, or convert an adjustable-rate mortgage to a fixed rate. These borrowers are acutely rate-aware — when market conditions create a meaningful payment difference, volume surges quickly.
This category also includes borrowers whose adjustable-rate mortgages have recently reset higher, creating urgent motivation to lock into a fixed-rate product. Lead Planet’s real-time delivery ensures you reach these borrowers while their intent is highest.
ARM-to-fixed conversions-Rate-drop motivated-Term shortening requests-High contact-rate category
High Loan Volume
Debt Consolidation Refinance Leads
With U.S. household revolving credit card debt consistently exceeding $1 trillion, debt consolidation refinance leads represent a large and growing segment. These homeowners are looking to leverage their home equity to pay off credit cards, auto loans, medical bills, or other high-interest obligations by rolling them into a single lower-rate mortgage payment.
Debt consolidation leads often result in larger loan amounts and higher gross revenue per transaction for the originating lender. Lead Planet generates these inquiries directly from homeowners who have identified a debt-load problem and are actively seeking a mortgage solution.
High-balance loan amounts-Strong financial motivation-Often cash-out + refi combined-Repeat client opportunity
Government Backed
FHA Refinance Leads
FHA refinance leads are one of Lead Planet’s fastest-converting categories. Lead Planet has generated high-volume FHA refinance leads for over two decades. There are three kinds of FHA refinance leads:
1. FHA Cash-Out – borrowers can get cash out up to 80% LTV with all types of credit.
2. FHA Rate and Term – low competitive rates with flexible credit guidelines.
3. FHA Streamline – he streamline programs offers existing borrowers who are eligible to refinance into a lower rate with reduced documentation — no new appraisal required, limited income verification, and a simplified underwriting process.
Military / Veterans
VA Refinance Leads
VA Interest Rate Reduction Refinance Loan (IRRRL) leads — sometimes called VA streamline refinance leads — come from veterans, active-duty military personnel, and surviving spouses who currently hold a VA home loan and wish to refinance into a lower rate. The VA IRRRL program requires no new appraisal, no income verification in most cases, and no out-of-pocket cash at closing when costs are rolled into the loan.
VA IRRRL leads are available exclusively for lenders holding VA Lender Appraisal Processing Program (LAPP) approval. This is a less competitive category with a highly motivated borrower profile.
No appraisal in most cases No COE required to refinance Rolling costs into new loan OKVA-approved lenders only
Equity Access
Home Equity & HELOC Leads
Home equity leads — both HELOC (home equity line of credit) and closed-end second mortgage leads — come from homeowners who want to access their equity without disturbing their first mortgage. This is particularly relevant for borrowers who refinanced into a low first-mortgage rate and have no incentive to refinance that loan but still need access to cash.
HELOC leads have surged as homeowners with locked-in low first-mortgage rates look for alternative equity access. Lead Planet has been generating home equity leads for nearly two decades, making it one of our most consistently high-volume categories.
Preserves existing 1st rate HELOC and 2nd lien available Surging demand segment Less competitive niche
Prime Credit
Conventional Refinance Leads
Conventional refinance leads target homeowners with good-to-excellent credit seeking Fannie Mae or Freddie Mac conforming loan programs. These are typically prime and near-prime borrowers with strong equity positions, stable income, and a clear financial rationale for refinancing — rate reduction, term shortening, or PMI elimination.
Good-to-excellent credit focus Fannie Mae / Freddie Mac eligible PMI removal opportunities Strong close ratios
Non-QM / Portfolio
Non-QM Refinance Leads
Not every homeowner who wants to refinance qualifies for a conventional or government program. Non-QM and bad credit refinance leads serve borrowers with challenged credit histories, non-traditional income documentation, or high DTI ratios — a growing segment as portfolio and non-QM lenders expand their credit overlays. These leads are best suited for lenders with flexible underwriting programs.
Non-QM and portfolio programs Bank statement loans Less competitive niche All credit grades accepted
Frequently Asked Questions About Mortgage Refinance Leads
A mortgage refinance lead is a real-time inquiry submitted by a homeowner who is actively seeking to refinance their existing mortgage. The inquiry includes the borrower’s current loan details, property information, refinance goal (rate reduction, cash-out, debt consolidation, etc.), credit profile, and contact information. Lead Planet generates refinance leads directly from its owned consumer websites — not purchased from third parties or recycled from older campaigns — and delivers them to lenders in real time.
A rate-and-term refinance lead comes from a homeowner who wants to reduce their interest rate, lower their monthly payment, shorten their loan term, or convert from an adjustable to a fixed rate — without changing the loan balance significantly. A cash-out refinance lead comes from a homeowner who wants to replace their existing mortgage with a larger loan and receive the difference in cash, typically to fund home improvements, consolidate debt, or meet other financial needs. Both types are available from Lead Planet with real-time delivery.
An FHA streamline refinance lead comes from an existing FHA borrower who is eligible to refinance into a lower rate under the HUD streamline program — which requires no new appraisal, limited income documentation, and a simplified underwriting process. The borrower must demonstrate a net tangible benefit per HUD guidelines, typically a reduction in their combined interest rate or monthly payment. These leads convert quickly because the borrower is already in an FHA loan and the transaction is operationally straightforward.
A VA IRRRL (Interest Rate Reduction Refinance Loan) lead comes from a veteran, active-duty military member, or surviving spouse who currently holds a VA home loan and wishes to refinance into a lower rate. The VA IRRRL program typically requires no new appraisal, no income verification, and allows closing costs to be rolled into the new loan. These leads are available exclusively for VA-approved lenders holding LAPP authorization and represent a less competitive, high-converting niche.
Many homeowners refinanced into historically low first-mortgage rates and have no financial incentive to replace that loan with a new one at a higher rate. However, they still need access to their equity for home improvement, debt payoff, or other purposes. Home equity lines of credit (HELOCs) and second mortgages allow those borrowers to tap equity without disturbing their first-mortgage rate. As homeowner equity levels have reached historic highs nationally, HELOC and second lien lead volume has grown significantly, making these leads an important secondary product for lenders offering subordinate financing programs.
Yes. Lead Planet’s platform supports granular filtering for refinance leads including: state licensing, refinance type (rate-and-term, cash-out, streamline, etc.), loan program (FHA, VA, conventional, jumbo, non-QM), credit grade bands (excellent through subprime), loan amount ranges, LTV ratios, and more. Only leads matching all your criteria are delivered to your team — no manual sorting required.
Call us at 888-271-9581 or complete the quote request form on our website. A Lead Planet account executive — with deep experience in mortgage marketing — will discuss your refinance niches, target states, credit appetite, and sales capacity, then build a custom lead program tailored to your goals. No long-term contracts are required to get started.