Las Vegas, NV, Oct. 26, 2026 (GLOBE NEWSWIRE) -- Nearly one in six billable mortgage transfers became a cash-out refinance, HELOC or reverse mortgage application on the first call, about six times the rate most transfer providers report. Loan officers spent close to 15 minutes with each transferred homeowner, against an industry norm of five to ten minutes.
Radian Leads logo. Radian Leads delivers live transfers of homeowners seeking VA, FHA and conventional cash-out refinance, HELOC and reverse mortgage loans to mortgage lenders nationwide.
Radian Leads, the live-transfer company, today published its updated Q4 2026 performance averages for its live mortgage transfer program. The program delivers homeowners seeking a VA cash-out refinance, FHA cash-out refinance or conventional cash-out refinance, a HELOC (home equity line of credit), a home equity loan or a reverse mortgage. Quarter to date, 17.6 percent of billable transfers became a mortgage application on the very first call, roughly one in six, and loan officers averaged 14 minutes 41 seconds on the phone with each transferred homeowner.
Both figures are industry-leading. Most live-transfer providers in the mortgage space report billable transfer-to-application rates in the low single digits; Radian Leads' 17.6 percent is roughly six times that. Average loan-officer talk time across the industry runs five to ten minutes; Radian Leads' average approaches 15 minutes, the median conversation ran 10 minutes 28 seconds, and one transfer in four lasted 20 minutes or longer.
"Most transfer vendors sell a connected call and hope. We sell a conversation," said Nick Block, co-founder of Radian Leads. "Nearly fifteen minutes of loan-officer time on every cash-out refinance, HELOC or reverse mortgage transfer, and an application on one call in six, are numbers our clients underwrite a marketing budget against. Nobody else in this space is putting up results like that."
Loan programs covered by the Q4 results
The averages cover every loan type Radian Leads transfers to its lender partners:
- VA cash-out refinance for veterans, service members and eligible surviving spouses looking to consolidate debt or pull equity from a VA-backed home.
- FHA cash-out refinance for homeowners who need flexible credit and equity guidelines to access cash from their primary residence.
- Conventional cash-out refinance for homeowners with strong equity who want to pay off higher-rate debt, fund home improvements or free up cash.
- HELOC and home equity loan transfers for homeowners who want to keep a low first-mortgage rate and borrow against equity with a second lien.
- Reverse mortgage inquiries from homeowners 62 and older exploring how to convert home equity into cash without a monthly payment.
What the numbers mean for a lender
At a 17.6 percent transfer-to-application rate, a lender needs fewer than six billable transfers to put one cash-out refinance, HELOC or reverse mortgage application on the board. At the low-single-digit rates most providers deliver, the same application takes 30 or more billable transfers, 30 or more loan-officer conversations and roughly six times the acquisition cost.
Talk time is what compounds the difference. A 15-minute conversation is long enough for a loan officer to review the homeowner's current mortgage, debts and equity, price a VA, FHA or conventional cash-out scenario against a HELOC or home equity loan, and take the application on the same call. A five-minute call rarely gets past the introduction, which is why industry-typical transfers so often end in a callback that never happens.
How Radian Leads transfers work
Radian Leads agents reach homeowners first and confirm the basics before any lender is involved: that the caller owns the home, roughly how much equity they hold, what they want the money for and which product fits, whether that is a VA, FHA or conventional cash-out refinance, a HELOC, a home equity loan or a reverse mortgage.
Qualified homeowners are then handed off live to a licensed loan officer with an introduction, so the loan officer starts the conversation knowing the homeowner's goal, property and loan type.
Lenders interested in cash-out refinance, HELOC or reverse mortgage transfers can reach the company at the contact below.
Radian Leads, “America’s Direct Connection,” reports a 17.6% transfer-to-application rate and an average loan-officer talk time of nearly 15 minutes on cash-out refinance, HELOC and reverse mortgage transfers in Q4 2026.
Press Inquiries
Nick Block
Media@radianleads.com
https://www.radianleads.com
