Mortgage lead distribution for purchase, refi, and HELOC leads in milliseconds
Sub-second delivery, ping-post auctions, and credit-tier-aware AI scoring — built for mortgage lead aggregators, broker networks, and direct lenders.
Is Lead Distro AI right for you?
Built for you if you
- Sell or broker purchase, refi, or HELOC leads to lenders and want to route and bill them automatically
- Run a broker network or aggregator splitting leads across many buyers
- Are a lender buying from multiple vendors and need to dedupe, score, and track cost per funded loan
- Run your own Meta or Google ad spend and want true cost per funded loan
Not the right fit if you
- Are a single loan officer with no leads yet, looking for someone to generate or sell you leads
- Want a call center or appointment-setting service that makes calls for you
Lead Distro AI is the software your lead vendor runs. You bring the leads (vendors, ad spend, ping post) and we route, score, and track them. We are not a lead vendor and do not generate or sell leads for you.
Built for how mortgage lead operators route and bill every lead
Sub-second delivery
First-call advantage matters. Mortgage leads route to the buyer in under 500ms — measured median, not P95.
Live ping-post auctions
Auction every qualified mortgage lead across your buyer network and sell at the highest live bid.
Credit-tier scoring
AI weights credit, LTV, loan amount, and debt-to-income to route only mortgage leads matching each lender's box.
State-license routing
Auto-block delivery to lenders not licensed in the lead's state — no NMLS compliance headaches.
How Lead Distro AI works
How Lead Distro AI routes your mortgage leads
Connect your sources, set license and credit-tier rules, and Lead Distro AI scores, auctions, and reconciles every mortgage lead.
LEAD CAPTURE
Capture borrowers from every channel
Pull leads from paid search, paid social, web forms, and partner feeds into one pipeline. Connect any source in minutes and start sending traffic the same day, across purchase, refi, and HELOC.
Sources
Active 6AI QUALITY SCORING
Score the file before delivery
AI weighs credit tier, loan amount, LTV, and debt-to-income the second a lead lands. Route only files that match each lender's box and filter the ones that never qualify before a loan officer dials.
Lead Scoring
AI gradedLIVE AUCTION
Sell each lead at the highest live bid
Real-time ping-post auctions put your loan officers, banks, and networks in competition on every qualified lead. The highest bid wins, only licensed lenders compete, and your margin is baked in.
Live Auction
Lead #8842SOURCE ROI
See true cost per funded loan
Meta and Google ad spend syncs in and attributes to the leads it produced. Watch real margin by source, product, and campaign, then cut the channels that don't fund.
Source ROI
Month to dateEverything you need for mortgage lead distribution
Distribution Engine
Multi-product mortgage campaigns and per-LO caps with state-licensure enforcement and credit-tier filters.
Learn moreSmart Routing
Priority, weighted, and round-robin distribution across exclusive and shared loan officer networks.
Learn morePing Post
Real-time auctions across multiple lenders — every refi or purchase lead sells at the highest live bid.
Learn morePay-Per-Call
Tracking numbers, IVR pre-qualification, and call recording for inbound mortgage shoppers.
Learn moreCall Tracking
Source-level call attribution and recording — every mortgage shopper tied back to the ad source for cost-per-funded reporting.
Learn moreCost Tracking
Unified Meta and Google ad spend with cost-per-funded-loan attribution.
Learn moreSee it run on your stack
Book a 20-minute demo or start your 7-day free trial. Full access to every feature, cancel anytime.
Mortgage verticals running on Lead Distro AI
Purchase, refi, HELOC, FHA / VA, jumbo, reverse — every mortgage product fits.
Purchase
First-time-buyer and move-up purchase leads with credit, LTV, and price-range filters.
Refinance
Rate-and-term refi leads matched by current rate, balance, and credit tier.
Cash-Out Refi
Cash-out refi leads with LTV, equity, and use-of-funds filters.
HELOC
Home equity line leads with credit, LTV, and combined-LTV filters.
FHA / VA / USDA
Government-loan leads routed to lenders certified for each program.
Jumbo
Jumbo and super-jumbo leads routed to portfolio lenders.
Reverse Mortgage
Senior reverse-mortgage leads with age, equity, and counseling filters.
Investment Property
Non-owner-occupied investment loans with property-type and DSCR filters.
Commercial Mortgage
Multifamily, mixed-use, and commercial leads routed to commercial lenders.
Go deeper on mortgage lead distribution
How operators in this vertical are running it on Lead Distro AI.
Why Companies Switch
Don't take our word for it. Here's what companies say after switching.
Start distributing leads. Free for 7 days.
Call tracking and routing are included on every plan. Higher tiers add lead volume, seats, destinations, and ping post.
Starter
For agencies and media buyers running live campaigns.
Start Free Trial- Call tracking and recordingGet a tracking number, send the call to the right buyer, and keep the recording. Call minutes and numbers are billed by usage on top of your plan.
- Lead distribution2,500 / moTake leads in from any source and send them to the buyers who want them. Your allowance counts leads that come in through the API. Duplicates we block, and leads that fail your filters, do not count.
- Live funnels5Hosted lead forms you build and publish on your own page. Drafts are unlimited. Only funnels that are live count against the limit.
- Campaigns5A campaign is one flow of leads or calls, usually one per vertical. It is where your sources and destinations connect. Only active campaigns count, so drafts and paused ones are free.
- Sources / destinations20Sources are where your leads and calls come from. Destinations are the buyers you send them to. Only active ones count against the limit.
- Seats3How many people on your team can log in. Buyers using the Partner Portal do not use a seat.
- AI credits500 / moOne credit for each message you send the AI assistant. It is a safety limit, not something normal use runs into.
- Ping postAsk your buyers what they will pay for a lead before you send it, then sell it to the highest bidder.
- White-label domainPut the Partner Portal on your own domain with your own logo, so your buyers see your brand instead of ours.
- Run your own ring treeAnyone can bid on other networks' calls. This is the other side: take live bids from your own buyers on every inbound call and connect the caller to whoever bids highest.
- MCP accessConnect Lead Distro AI to your own AI tools so you can build campaigns and pull reports by chat.
Growth
Everything unlocks here: ping post, RTB, and white-label.
Start Free Trial- Call tracking and recordingGet a tracking number, send the call to the right buyer, and keep the recording. Call minutes and numbers are billed by usage on top of your plan.
- Lead distribution5,000 / moTake leads in from any source and send them to the buyers who want them. Your allowance counts leads that come in through the API. Duplicates we block, and leads that fail your filters, do not count.
- Live funnels20Hosted lead forms you build and publish on your own page. Drafts are unlimited. Only funnels that are live count against the limit.
- Campaigns10A campaign is one flow of leads or calls, usually one per vertical. It is where your sources and destinations connect. Only active campaigns count, so drafts and paused ones are free.
- Sources / destinations50Sources are where your leads and calls come from. Destinations are the buyers you send them to. Only active ones count against the limit.
- Seats10How many people on your team can log in. Buyers using the Partner Portal do not use a seat.
- AI credits2,000 / moOne credit for each message you send the AI assistant. It is a safety limit, not something normal use runs into.
- Ping postAsk your buyers what they will pay for a lead before you send it, then sell it to the highest bidder.
- White-label domainPut the Partner Portal on your own domain with your own logo, so your buyers see your brand instead of ours.
- Run your own ring treeAnyone can bid on other networks' calls. This is the other side: take live bids from your own buyers on every inbound call and connect the caller to whoever bids highest.
- MCP accessConnect Lead Distro AI to your own AI tools so you can build campaigns and pull reports by chat.
Scale
Custom plans for networks and high-volume operators.
- Call tracking and recordingGet a tracking number, send the call to the right buyer, and keep the recording. Call minutes and numbers are billed by usage on top of your plan.
- Lead distributionCustomTake leads in from any source and send them to the buyers who want them. Your allowance counts leads that come in through the API. Duplicates we block, and leads that fail your filters, do not count.
- Live funnelsCustomHosted lead forms you build and publish on your own page. Drafts are unlimited. Only funnels that are live count against the limit.
- CampaignsCustomA campaign is one flow of leads or calls, usually one per vertical. It is where your sources and destinations connect. Only active campaigns count, so drafts and paused ones are free.
- Sources / destinationsCustomSources are where your leads and calls come from. Destinations are the buyers you send them to. Only active ones count against the limit.
- SeatsCustomHow many people on your team can log in. Buyers using the Partner Portal do not use a seat.
- AI creditsCustomOne credit for each message you send the AI assistant. It is a safety limit, not something normal use runs into.
- Ping postAsk your buyers what they will pay for a lead before you send it, then sell it to the highest bidder.
- White-label domainPut the Partner Portal on your own domain with your own logo, so your buyers see your brand instead of ours.
- Run your own ring treeAnyone can bid on other networks' calls. This is the other side: take live bids from your own buyers on every inbound call and connect the caller to whoever bids highest.
- MCP accessConnect Lead Distro AI to your own AI tools so you can build campaigns and pull reports by chat.
Only buying and selling calls?
Call Tracking Only
Call tracking, recording, and call routing, without lead distribution.
3 campaigns, 5 sources and destinations, 2 seats.
Call tracking and routing rates, billed as you use it
Call tracking is on every plan, not just this one. Numbers provision instantly from the dashboard, call recording included.
Talk with Our Team
See how Lead Distro AI fits your workflow. Pick a time and we'll walk you through it.
See it run on your stack
Book a 20-minute demo or start your 7-day free trial. Full access to every feature, cancel anytime.
Mortgage lead distribution FAQs
How fast does Lead Distro AI deliver mortgage leads?
Can I run a ping-post auction for refi leads?
How does state-license routing work?
Can I segment leads by credit tier or loan amount?
Does Lead Distro AI integrate with mortgage CRMs?
Still have questions?
Book a 20-minute demo and we'll walk through your exact use case, or spin up a free trial and explore on your own.
Ready to route your mortgage leads?
Start your 7-day free trial. First purchase, refi, or HELOC leads route in under 5 minutes.