Buying leads
Exclusive vs shared vs aged mortgage leads: which should you buy?
Exclusive vs shared leads vs aged leads: typical 2026 price ranges, contact-rate trade-offs, break-even math and a framework for which mortgage leads to buy.
· 9 min read
Mortgage · Jumbo
Jumbo mortgage leads for high-balance loans
Jumbo mortgage leads are buyers and homeowners borrowing above the conforming loan limit. They expect a knowledgeable advisor, careful structuring and a lender who can close on time.
Who they are
Who jumbo mortgage leads are
A jumbo loan exceeds the conforming loan limit for its county, so it can’t be sold to Fannie Mae or Freddie Mac. Limits change every year and are higher in expensive areas; check the current figure for each borrower’s county. Lenders set their own jumbo guidelines, which usually means stronger credit, larger down payments and more reserves.
Jumbo borrowers are often high earners with complex finances: business owners, executives with bonus and equity compensation, or households selling one expensive home to buy another. They worry about documentation burden, whether their income will be counted correctly, and whether the loan will close on time in a competitive market.
Each closed loan is large, so a jumbo lead’s value lies in the size and the relationship that follows. These clients refer peers and come back to refinance. The first call should sound like a private banking conversation, not a rate pitch. Expect them to ask about your experience with loans like theirs, and be ready with specifics.
Playbook
How to work jumbo mortgage leads
What the best-performing teams do from the moment the lead lands.
- 01
Put a senior loan officer on the call
Route jumbo leads to someone who closes jumbo loans regularly. These borrowers ask sharp questions about reserves, income treatment and investor guidelines on the first call. A confident, specific answer matters more than an aggressive opening rate.
- 02
Understand the whole financial picture
Ask how income is earned, including bonus, commission, equity compensation or business income, and what assets they have for down payment and reserves. Ask whether they are selling a current home. Complex finances are normal here, and structuring around them is the job.
- 03
Map the transaction timeline
If they need to sell before they buy, discuss bridge options and contingencies with them and their agent. Agree on document deadlines early. Jumbo files that close on schedule earn referrals; files that slip in a competitive market lose them.
- 04
Follow up like an advisor
Send a written summary of options after the first call and schedule the next conversation. Keep in touch after closing with an annual review. Jumbo clients refer peers and refinance with lenders they trust, so the relationship is worth more than the first loan.
Campaign setup
Set up your campaign
Recommended settings for buying jumbo mortgage leads on Maple Leads.
- Hot 1 exclusivity is often worth it for jumbo purchase leads, given the loan size and the value of being the only lender calling.
- Use a loan amount filter set above the conforming limit in the areas you serve, so you only pay for true jumbo scenarios.
- Filter on the Excellent and Good credit score bands if your jumbo investors require higher scores.
- Target states and ZIP codes where you have jumbo investors approved and local market knowledge.
- Keep daily caps modest and route only to experienced loan officers; volume matters less than handling each lead well.
Pricing
Priced by speed
Hot 1
$110
Under 15 min
Exclusive · 1 buyerHot 2
$85
15 min – 30 min
Up to 2 buyersHot 3
$65
30 min – 45 min
Up to 3 buyersWarm 1
$55
45 min – 2 h
Up to 3 buyersWarm 2
$45
2 h – 4 h
Up to 3 buyersWarm 3
$35
4 h – 8 h
Up to 3 buyersCold 1
$20
8 h – 12 h
Up to 5 buyersCold 2
$15
12 h – 18 h
Up to 5 buyersCold 3
$10
18 h – 24 h
Up to 5 buyersAged
$5
1–30 days
Up to 50 buyers
Price per jumbo mortgage lead, set by its age when it's routed to you. Same ladder for every lead type.Full pricing
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- Hot 1 leads exclusive for the first 15 minutes
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FAQ
Jumbo mortgage leads questions
How do I make sure I only get true jumbo loans?
Set a minimum loan amount filter on your campaign that matches the conforming limit in the counties you serve. Limits change yearly and vary by county, so check the current figure. The loan amount is the consumer’s estimate, so confirm the actual purchase price and down payment on the call.
Do jumbo leads include income or asset information?
No. Maple does not collect or verify income, assets or employment. The lead includes loan amount, property value, a self-reported credit score band, property type, occupancy and location. Jumbo underwriting relies heavily on income and reserves, so gather and verify that information through your normal process.
Are jumbo leads worth buying exclusively?
Often, yes. Because jumbo loans are large and borrowers expect a high level of service, being the only lender in the conversation is valuable. Hot 1 leads go to one buyer only. Shared tiers cost less, and you can see how many other buyers have a lead before you work it.
Who typically submits a jumbo form?
Buyers in higher-cost markets, move-up buyers selling one expensive home to buy another, and homeowners refinancing a large balance. Many are business owners or executives with bonus or equity compensation. Expect detailed questions about income treatment, reserves and closing timelines.
Can I combine jumbo with non-QM leads?
You can buy both in separate campaigns. Some jumbo borrowers with complex self-employed income are better served by a non-QM jumbo or bank statement program. If you offer those, buying non-QM leads alongside jumbo lets you place borrowers who fall outside your prime jumbo guidelines.
Related lead types
Guides
Buying leads
Cost per funded loan: the only lead metric that matters
How to calculate cost per funded loan from lead price, contact, application and funding rates, with worked examples for exclusive, shared and aged leads.
· 7 min read
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