Mortgage buyer’s guide · Written by the PX data team · Last reviewed September 23, 2026
What are aged mortgage leads?
Aged mortgage leads are real consumers who filled out an online mortgage quote request 30 or more days ago. When the request first came in, it was sold in real time through the PX marketplace. Once that real-time window passes, the record moves into aged inventory at a fraction of the original price, with the same contact details, loan answers, and consent trail it had on day one.
That price difference is the point. A fresh mortgage lead has to convert quickly to pay back its cost. An aged record costs $0.30 to $3.00, so a loan officer can work thousands of borrowers who were serious enough to ask for a quote, and win the ones whose timing has come back around.
Loan types in an aged mortgage file
Every record is tagged with the loan type the consumer asked about, so you only buy files that match what you originate.
Purchase. Buyers shopping for a home. Records can include purchase timeframe (from 0–3 months to 12+ months), first-time buyer status, and planned down payment.
Refinance. Homeowners looking at a rate-and-term or cash-out refinance. Records can include current lender, first mortgage balance, requested cash-out amount, and the interest rate they were hoping for.
Home equity. Owners who asked about borrowing against their equity. Records can include existing mortgages, the year they bought the home, and first and second lien balances.
Reverse mortgage. Older homeowners exploring a reverse mortgage. These records include date of birth and total mortgage balance, so you can check eligibility before you call.
Where the original form captured it, records also flag borrowers who already have a VA, FHA, or USDA loan, which is useful for streamline refinance campaigns, along with military or veteran status.
Why aged refinance leads come back to life
Most mortgage shoppers don’t close on their first quote. They pause because the rate wasn’t low enough, their credit needed work, or the move got pushed back. None of those reasons are permanent.
When rates move, a homeowner who asked about refinancing three or six months ago may now come out ahead. Their loan amount, property value, and target rate are already in the record, so you can sort for the borrowers a new rate actually helps before you pick up the phone. Purchase leads follow the same pattern as buyers’ timeframes change.
What aged mortgage leads cost per funded loan
Price per record is only half the math. The number that matters is cost per funded loan: what you paid for the file, divided by the loans you fund from it.
Illustration, not a benchmark: 5,000 refinance records aged 90–180 days at about $0.36 each come to about $1,800 for the file. Fund two loans from it and your cost per funded loan is about $900. Fund four and it drops to about $450. Request counts to get the exact price for your age bracket and volume.
For the full model, including how to pick an age bracket, read what aged leads really cost per acquisition.
How loan officers work aged mortgage leads
Filter before you buy. Order only the states where you hold an NMLS license, and match loan type, property value, and credit rating to the programs you can close. Standard filters are free.
Load clean data. Scrub the file against the National DNC Registry under your own SAN, and upload your CRM and past-client lists for suppression so you don’t call borrowers you already know.
Open with their original request. Refer to the quote they asked for (“you looked at refinancing a few months ago”) instead of a cold pitch.
Work a multi-touch cadence. Combine calls, email, direct mail, and texts where you have consent over roughly two weeks. Our 14-day aged lead sales playbook lays out the sequence day by day.
Come back when rates move. Keep unconverted refinance records in a nurture list and call them again after a rate drop.
Consent, verification, and compliance
Every aged mortgage record comes from a consumer-initiated quote request, most of them captured on the PX marketplace. Each file includes:
The TCPA consent text the consumer agreed to and the submission timestamp
A Jornaya LeadiD or TrustedForm certificate where captured, so you can verify the original lead event independently
Buying aged data doesn’t transfer your own obligations. You still need your own DNC subscription (SAN), state list scrubs, and a contact strategy that fits current TCPA rules for each channel you use. Our DNC compliance guide for aged leads covers the details.
