The 9 Best cold calling companies for loan officers (2026)
For loan officers and brokers, the best cold calling company keeps callers dialing rate-sensitive lists so you stay on applications. Call Savvys is our pick: dedicated callers work aged refi and purchase lists, qualify on timing and intent, and book the appointment for your loan officer, with a written 20 to 40 qualified leads per caller per month, DNC-scrubbed lists, and a free CRM. Below are the alternatives LOs compare, and what each is best for. See our lending service.
Austin Rice, Cofounder/Updated June 2026Key takeaways
- Call Savvys is our pick for mortgage: callers qualify on timing and intent and book the appointment, your loan officer takes the application, backed by a written 20 to 40 qualified leads per caller per month.
- Timing is everything in lending. Refi interest is rate-sensitive, so the agency that calls aged lists fast when rates move books the appointment before a rival does. Speed to lead is the whole game.
- Refi and purchase are different plays. A good program tailors the qualification: rate and payment savings for refi, timeline and pre-approval status for purchase, not one generic script.
- Compliance is the real risk. TCPA, mini-Miranda disclosure, the National Do Not Call Registry, and state licensing all apply, so lists must be scrubbed and calls placed in legal windows.
- Callers book, licensed LOs originate. A cold caller qualifies and sets the appointment; the loan officer handles rates, terms, and the application, which keeps the licensed work where it belongs.
The companies at a glance
Our pick first, then the alternatives operators compare, by how often they come up. Competitor details reflect public information as of June 2026; verify directly.
| Company | Best for | Model | Lead guarantee | Pricing |
|---|---|---|---|---|
| Call Savvys | Our pick for mortgage | Done-for-you agency | Yes, 20 to 40 / caller, in writing | $1,200 to $3,300 / mo |
| GetCallers | Best lowest hourly cost | Call center / VA staffing | Not publicly advertised | Hourly per agent (~$5 to $7.25/hr) |
| Upcall | Best on-demand campaign bursts | On-demand calling (per lead) | SLA at enterprise tier (verify) | $3.50 to $7.50 / lead (per its site) |
| REVA Global | Best dedicated VA you direct | VA staffing (you direct) | Not publicly advertised | Hourly (~$147 to $286 / week) |
| VA Horizon | Best budget with a guarantee | Managed VA staffing | Yes, 30 qualified leads / mo (per account) | ~$1,000 to $1,160 / VA / mo |
| GigaBPO | Best broad BPO | General BPO (20+ industries) | No (7-day risk-free trial) | Verify directly |
| Upwork or Fiverr VAs | Best full DIY control | Freelance marketplace | None | You negotiate per freelancer |
| General BPOs | Best for very high raw volume | Multi-industry call centers | Rarely a written lead floor | Hourly or per-seat (verify) |
| Televista | Comparable managed agency | Done-for-you agency | States expectations, no written guarantee | $1,750 to $4,050 / mo (as stated) |
Company information is from public sources as of June 2026 and may change. Verify directly before deciding.
Our pick for guaranteed leads
The one option that puts a qualified-leads number in writing and includes a free CRM.
Call Savvys
Our pick for mortgageA done-for-you agency that calls aged mortgage and refi lists, qualifies on timing and intent, and books the appointment so your loan officer takes the application. Call Savvys started in real estate and runs the same managed calling engine for lending, with a written leads guarantee, DNC-scrubbed lists, a free CRM, and skip tracing at $0.03 per record. See our mortgage and lending service.
Strengths
- Written guarantee of 20 to 40 qualified leads per caller per month
- Skip tracing at $0.03/record and the free Pipelio CRM included
- AI scoring plus human review on every call, and 24-hour caller replacement
- Real estate specialized: callers know ARV, wholesaling, and seller objections
Trade-offs
- Not the cheapest hourly option, it is priced for guaranteed outcomes, not the lowest rate
- Real estate focused, so not built for general multi-industry B2B campaigns
The alternatives operators compare
Named so you can weigh them, with an honest best-for and a full Call Savvys head-to-head on each. We keep the detail in the comparisons.
GetCallers
Best lowest hourly costA low-cost call center where you direct the agents on your refi and purchase scripts, for brokers who will manage qualification and compliance in-house.
Upcall
Best on-demand campaign burstsA multi-industry calling platform billed per lead, useful for a rate-drop campaign or a list test, though not mortgage-specialized or guaranteed.
REVA Global
Best dedicated VA you directA trained VA you direct and bill hourly to dial your aged mortgage lists, for LOs who want to own the talk track and timing cadence.
VA Horizon
Best budget with a guaranteeManaged VAs advertising 30 qualified leads per month per account at a low per-seat price, for brokers watching every dollar.
GigaBPO
Best broad BPOA general BPO across many industries, an option if you want one partner for calling alongside other functions.
Upwork or Fiverr VAs
Best full DIY controlFreelance marketplaces where you hire and manage a caller yourself at the lowest rate, with no guarantee, for LOs testing a small aged-lead batch.
General BPOs
Best for very high raw volumeMulti-industry call centers that can dial big lists, but rarely book qualified mortgage appointments or carry a written lead floor. Verify TCPA and mini-Miranda practices directly.
Televista
Comparable managed agencyA newer managed agency that states appointment expectations rather than a written guarantee, with data quoted per campaign.
How to choose a cold calling company for mortgage
Six things that separate a company that books application-ready borrowers from one that just dials a list. Weigh every option on these, not on the hourly rate.
A written leads guarantee
Look for a qualified-appointments number in writing, not just promised dialing hours. A real guarantee puts the volume risk on the vendor, so a slow week is their problem, not yours.
Speed to lead when rates move
Refi demand spikes when rates drop. Ask how fast aged lists get worked and re-worked, because the LO whose caller dials first books the appointment before the borrower shops around.
Qualifies refi vs purchase
The caller should screen the right way for each: rate and payment savings and loan balance for refi, timeline and pre-approval status for purchase, so your LO sits with borrowers who can actually move.
TCPA and licensing aware
Confirm lists are scrubbed against the National Do Not Call Registry and state lists, with legal windows, mini-Miranda disclosure where required, and callers who set rather than originate.
Honest, all-in data cost
Bring your own aged mortgage list or expect a clear per-record rate (about $0.03), not a hidden markup. Compare cost per booked appointment, not the headline calling rate.
Dedicated, consistent callers
A dedicated caller rather than a shared pool, month to month, with fast replacement (Call Savvys does it in 24 hours), so your appointment flow holds even between rate moves.
Choosing a cold calling company
The questions that actually decide it.
Not sure which one fits?
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