How much do cash-out refinance and HELOC leads cost?

Real-time leads are $18 each. Aged data is $4.00 per record under 30 days, $0.30 at 30–90 days, $0.16 at 90–180 days, and $0.08 at 181–365 days.

Are these trigger leads?

No. Every lead is a homeowner who filled out a form, opted in and asked to hear about refinancing or tapping their equity. Since March 5, 2026, credit bureaus can only sell mortgage trigger leads in narrow cases, such as when the consumer opted in.

Does every record request cash out?

No. Each record includes the cash-out amount the homeowner requested, and some ask for a straight refinance with $0 cash out. The amount is in the file, so your team can call cash-out and HELOC prospects first.

Do you sell cash-out refinance and HELOC leads separately?

No. It is the same homeowner inquiry data, so your team can offer whichever product fits the borrower. The record fields help you tell which one that is.

Who is a good cash-out refinance prospect with rates above 7%?

Homeowners paying off higher-rate debt, those who need a large sum, and those whose current rate is already close to today’s. Homeowners holding a low first-mortgage rate are usually better HELOC prospects.

Can I filter by state and loan type?

Yes. Orders are filtered to your states, and you can choose FHA, VA or conventional borrowers.

How are leads delivered?

Real-time leads post to your CRM or dialer through an API as homeowners submit, which is the fastest way to reach them. They can also come as batched files. Aged data is delivered as files. Orders are paid before delivery.

Can you scrub against the Do Not Call list?

Yes. On request, we scrub your order against the National Do Not Call Registry before delivery.

Are the leads exclusive?

No. Each record is sold to no more than three buyers, and we tell you that before you buy.

What consent documentation comes with each lead?

Every record includes a Jornaya LeadiD, a third-party record of the form session where the homeowner opted in, along with the submission time stamp and IP address.

What's in each record?

Name, address, phone, email, estimated home value, mortgage balance, LTV, credit grade, property type, loan type, current rate where provided, requested cash-out amount, VA and FHA flags, IP address, time stamp and Jornaya LeadiD.

Do you guarantee approvals or funded loans?

No. We can't guarantee whether a homeowner qualifies or closes. We focus on accurate sourcing, consent records and limits on resale.

Cash-Out Refinance & HELOC Leads

Cash-Out Refinance & HELOC Leads From Homeowners Ready to Tap Their Equity

Consumer-initiated equity leads, real-time at $18 or aged from $0.08 per record. Filter by state and FHA, VA or conventional. Every record carries a Jornaya LeadiD plus home value, balance, LTV and credit grade.

Get a Quote See Pricing

Brokering Data Since 2007

Jornaya LeadiD on Every Record

Max 3 Sales per Record

Filter by State and Loan Type

Get Pricing for Your States

Tell us your states, loan types and quantity. We'll reply with current availability and pricing.

Pricing

Cash-Out Refinance and HELOC Lead Pricing

Aged data from $0.08 per record

Cash-out refinance and HELOC lead pricing, by product and record age
Product and record age	Price
Real-timeDelivered as the homeowner submits the form	$18 per lead
Under 30 daysAged data	$4.00 per record
30–90 daysAged data	$0.30 per record
90–180 daysAged data	$0.16 per record
181–365 daysAged data	$0.08 per record

Every record is the same homeowner inquiry, covering both cash-out refinance and HELOC interest, so you can offer whichever product fits the borrower.

View a sample record

What moves your price

Real-time or aged: A real-time lead reaches you as the homeowner submits the form. Aged records are the same kind of inquiry, sold later for a fraction of the price.
Record age: Fresher aged records cost more because they are more likely to answer. Aged data runs from under 30 days to 365 days old.
Your filters: Choose your states and loan types (FHA, VA or conventional). Narrower filters mean less inventory in some states.

Get a Quote for Your States

Why Now

Record Home Equity, 7% Rates, and No More Trigger Leads

Homeowners have more equity to tap than ever. Lenders lost their easiest way to find them in March. That makes homeowners who ask for an equity offer themselves worth more than they were a year ago.

$11.7T

Tappable home equity

Held by 47.5 million mortgage holders, about $212,000 each, in Q2 2026.

ICE Mortgage Monitor, Aug 2026

7.24%

30-year fixed rate

The Freddie Mac average for the week of October 29, 2026.

Freddie Mac PMMS

Mar 5, 2026

Trigger leads restricted

Credit bureaus can no longer sell mortgage trigger leads unless the lender has an existing relationship or the consumer opted in.

NAMB

Cash-Out or HELOC

Who to Call First at 7% Rates

A cash-out refinance replaces the whole mortgage, so it only pays off for some homeowners. A HELOC leaves the first mortgage alone. Each record includes home value, balance, LTV, credit grade, the cash-out amount requested and, where provided, the current rate, so your team can tell which conversation to have.

Likely cash-out refinance

Paying off credit cards or personal loans at much higher rates
Needing a large sum for a renovation, tuition or a business
Already holding a rate close to today’s

Likely HELOC

Holding a low first-mortgage rate they want to keep
Wanting to draw funds over time instead of all at once
Planning a smaller project or a cash cushion

The Real Problem

Trigger Leads Are Gone. Here's What Cash-Out and HELOC Lenders Should Use Instead.

For years, a lot of refinance marketing ran on trigger leads. A homeowner applied with one lender, and within hours their phone rang with calls from five others. Borrowers hated it, and a federal law that took effect in March 2026 mostly ended it.

The demand to tap home equity didn’t go away. What changed is how lenders are allowed to find homeowners.

Credit bureaus can no longer sell mortgage trigger leads unless the lender already has a relationship with the consumer or the consumer opted in. That left a gap in a lot of refinance pipelines. (NAMB on the trigger leads ban)

The answer is the homeowner raising their own hand: filling out a form, giving consent, and asking to hear about a cash-out refinance or a HELOC. That’s what a real equity lead is.

Buyers often come to me after files they bought somewhere else didn’t perform. The first complaint is almost always connectivity. The numbers don’t reach a live person, and a loan officer who can’t get anyone on the phone can’t do their job.

Our leads come from targeted advertising aimed at homeowners who are actually looking to tap their equity. Someone who responds to an offer they were looking for gives a phone number they answer, and in our experience that shows up as good connectivity.

The second complaint is overselling. A record that has been sold and dialed too many times reaches a homeowner who is tired of hearing from mortgage companies, and that frustration lands on whichever loan officer happens to call next. Now the file has no value.

The damage doesn’t stop there. A string of angry calls wears down a loan officer’s attitude for the next conversation, the one with a homeowner who actually wants help. In a call center, that spreads fast.

That’s why a lead should come with a record of consent you can check, and a straight answer on how many other lenders received it. Ours do. Every record carries a Jornaya LeadiD, and no record is sold more than three times.

Rates above 7% make the conversation more specific, not less. A homeowner with a 3% first mortgage probably wants a HELOC. A homeowner paying 24% on credit cards may be better off with a cash-out refinance. The record tells you which one you’re likely talking to.

I’d rather sell you fewer leads you can actually work and defend than a big file that comes back to hurt you.

Thomas J. Scott · Founder & CEO | Big Tai Marketing

Where Every Lead Comes From

What You Can Request Before You Buy

01The Jornaya LeadiD on each record, a third-party record of the form session where the homeowner opted in
02The time stamp and IP address of the submission
03How many times a record has been sold. No record goes to more than three buyers.
04A sample record with the full field list

Consumer inquiries, not trigger leads

Every record comes from a homeowner who filled out a form and opted in. Buyers are responsible for their lending licenses, TCPA-compliant outreach, Do Not Call scrubbing, and state and federal lending rules. We don't promise rates, approvals or loan amounts.

What comes in a record

Placeholder values only. These are the fields in every cash-out refinance and HELOC record.

Time Stamp: MM/DD/YYYY HH:MM
Name: First / Last
Address: Street address
City / State / ZIP: City, ST 00000
Phone: (000) 000-0000
Email: name@example.com
Est. Home Value: $000,000
Mortgage Balance: $000,000
LTV: 00%
Credit Grade: Excellent / Good / Fair / Poor
Property Type: e.g. Single family home
Loan Type / Rate: Fixed or adjustable · rate if provided
Cash-Out Amount: Requested range
VA / FHA Loan: True / False
IP Address: 0.0.0.0
Jornaya LeadiD: Universal lead ID

Resale and Filters

How Many Buyers, Which States, Which Loan Types

These leads aren't exclusive. What matters is knowing the limit before you buy and getting only the states and loan programs your team can actually close.

No record is sold more than three times.

Three-sale cap: No record is sold more than three times, and we tell you that before you buy.
Your states: Orders are filtered to the states your loan officers are licensed in.
Your loan types: Filter to FHA, VA or conventional borrowers to match the programs you offer.
Delivery: Real-time leads post straight to your CRM or dialer through an API, so they arrive fresh. You can also take them as batched files.
Do Not Call scrub: On request, we scrub your order against the National Do Not Call Registry before delivery.
Equity details in every record: Estimated home value, mortgage balance, LTV, credit grade and requested cash-out amount, so your team can prioritize before dialing.

Our Process

How an Order Runs

Four steps, and you see the price before anything ships.

01
Tell Us What You Need
Your licensed states, loan types (FHA, VA or conventional), real-time or aged, and quantity.
02
Get Availability and a Quote
We check current inventory for your filters and reply with pricing.
03
Review Before You Pay
Ask for a sample record, the Jornaya LeadiD details and the resale count.
04
Receive Your Leads
Real-time leads post to your CRM or dialer through an API. Aged orders arrive as files once payment is confirmed.

Get a Quote

Aged vs. Real-Time

Real-Time or Aged Equity Leads: Which Fits Your Team?

Many lenders use both: real-time leads for loan officers who can call right away, aged data for low-cost volume and follow-up campaigns.

Aged cash-out refinance and HELOC data compared with real-time leads
Factor	Aged data	Real-time leads
Price	$0.08–$4.00 per record, by record age	$18 per lead
Delivery	Batched files	API post to your CRM or dialer, or batched files
Resale	Sold to no more than three buyers	Sold to no more than three buyers
Consent record	Jornaya LeadiD on every record	Jornaya LeadiD on every record
Best for	Dialer and text campaigns that work volume; re-engaging homeowners who shopped recently	Loan officers who can call within minutes of the inquiry
What makes it work	Volume, persistence and good filters	Speed to contact

When aged data makes sense

You run a dialer or a team that can work volume.
Your cost per funded loan matters more than your contact rate.
You're testing a new state or loan type before committing a bigger budget.

When real-time is worth $18

Your loan officers can call within minutes.
Your close rate depends on reaching homeowners while they are still comparing lenders.

Before you dial

Check that the consent covers the kind of outreach you plan to do, scrub against the National Do Not Call Registry and your internal lists, and follow your state's licensing and lending advertising rules.

FAQ

Straight Answers to What Lenders Ask First

Don't see your question? Call (757) 678-2627.

Keep Reading

How to Buy Mortgage Leads: The Complete Guide for Loan OfficersMortgage LeadsMortgage Leads Resource Center

Why buyers trust Big Tai Marketing

In business since 2007Nearly two decades generating leads, calls and data for buyers.
Consent proof on every leadEach lead carries a TrustedForm or Jornaya certificate, and many carry both.
DNC scrubbing on requestWe scrub against Do Not Call lists before delivery when your program needs it.
A real company you can call47 Sailfish Dr, Manteo, NC 27954+1 757-678-2627

Tell Us Your States and Loan Types

Send your licensed states, the loan programs you offer and the quantity you want. We'll reply with availability and pricing.