Mortgage lead routing
Mortgage lead routing that respects state licensing on every single lead.
TL;DR
LeadMove routes mortgage leads to the right loan officer by state license, credit range, loan amount, and refi-vs-purchase intent — the instant the lead arrives. A loan officer only ever receives leads in the states they are licensed for, and every delivery is logged for compliance.
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How mortgage leads get routed today — and what it costs you
State licensing is the whole game in mortgage, and a spreadsheet does not enforce it. A lead from a state a loan officer is not licensed in should never reach them — but when routing is manual, it does, and now you have a compliance problem instead of a deal. Meanwhile the leads that matter get sorted by hand: someone eyeballs the credit range, guesses the loan amount, decides refi or purchase, and picks an LO from memory. High-intent purchase leads sit in a queue while your best closer is buried in refis. And when a lead is disputed, there is no record of who received it, when, or what it contained.
Routing patterns mortgage agencies run on
Each pattern is a rule you build once and LeadMove enforces on every lead — with 15+ operators to combine.
State licensing gate
The hard rule first: a loan officer only receives leads for the states they hold a license in. Every lead is checked against each LO's licensed states before it can route to them — no exceptions, no manual review.
Credit range tiers
Send leads to the loan officers who work that credit band. Prime borrowers route to one desk, near-prime to another, so each LO gets the profile they close best.
Loan amount and product routing
Route jumbo and high-balance loans to the officers licensed and staffed for them, and keep smaller loans flowing to the volume desk.
Refi vs purchase intent
Purchase leads are time-sensitive — route them to closers with capacity right now, and send refi leads to the desk that nurtures them, each with its own daily cap.
How mortgage agencies use LeadMove
One mortgage pipeline, every loan officer routed right
Feed your lead sources into one webhook and let the rules place each lead by license, credit, loan amount, and intent. Add an LO, update their licensed states, or pause a desk without rebuilding anything upstream.
Dispute a bad lead with a paper trail
When a loan officer flags a lead as a duplicate or bad contact, they file a return from their portal with a reason. You approve or reject it, the decision is logged against the exact delivery record, and the make-good is billed correctly.
A portal each loan officer can trust
Every loan officer sees their own leads, delivery status, and return history in their own portal — only the leads they were licensed and eligible to receive, never another desk’s, never your pricing.
Mortgage lead distribution — FAQ
Can LeadMove make sure a loan officer only gets leads for states they are licensed in?
Yes. You store each loan officer's licensed states and add a rule that checks the lead's state against them before routing. A lead from a state an LO is not licensed in is never delivered to that LO — the rule skips them and the lead goes to the next eligible officer.
How do I route mortgage leads by credit range and loan amount?
Rules support 15+ operators including numeric comparisons, so you can tier by credit score (for example, 720+ to your prime desk) and by loan amount (for example, jumbo loans to officers staffed for them). Combine conditions to route on credit, amount, and product together.
Can I separate refinance leads from purchase leads?
Yes. Route on an intent field so purchase leads go to closers with capacity and refi leads go to a nurture desk, each with its own daily cap paced across the day. You can weight distribution between loan officers on the same tier.
Is there a record of which loan officer received each lead?
Every delivery is logged lead-by-lead: which loan officer, which endpoint, when, and the response — including retries. That audit trail is what settles disputes and supports your compliance obligations. Leads deliver in under a second by webhook to any CRM, or by email, Google Sheets, or SMS.
Route your mortgage leads right, starting today.
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