Rates move. Purchase seasons swing. But homeowners’ need for liquidity? That’s stubbornly consistent.
If you’re running a mortgage business in a market where rate-and-term refis can vanish overnight, you already know the uncomfortable truth: volume that depends on rate drops is not a strategy, it’s a weather forecast. And “hope” isn’t a line item you can scale.
That’s exactly why conventional cash-out refinance has become one of the most reliable opportunities in today’s refinance mix, and why Monster Lead Group built a program specifically to help lenders capture it with precision instead of guesswork.
More importantly, if you look at ALL cashout refinance transactions in the market, Conventional Cashout remains by far the dominant loan type between Conventional, FHA, and VA loans.
Why conventional cash-out deserves a front-row seat in your refi portfolio
A conventional cash-out refi is straightforward in concept: a homeowner replaces their existing mortgage with a new conventional loan and takes cash out from available equity at closing. What’s not straightforward is what it represents for your business:
- A borrower who isn’t just shopping for a rate
- A borrower with a problem to solve (usually urgent, emotional, and highly motivating)
- A borrower who tends to convert when the message is relevant and the execution is fast
In the current environment, conventional cash-out isn’t a niche product. It’s a major driver of refi activity. In fact, nearly half of weekly refinance transactions are conventional cash-outs, making it one of the most active and in-demand products in the market.
Meet the conventional cash-out borrower (aka: the kind of lead you actually want)
Not all “cash-out interest” is created equal. The difference between a lead that converts and one that disappears after the first text is usually eligibility.
A strong Cash-out marketing program is designed around a borrower profile that tends to perform, because the numbers tell a clear story:
- Equity-strong homeowners: median CLTV around 55%, meaning many homeowners have meaningful equity positions that can support a conventional cash-out strategy.
- Credit-ready prospects: in general, about 75% show good-to-excellent credit, improving the odds that your team is speaking to borrowers who can move through the funnel efficiently.
- Bigger balances: conventional cash-out often produces larger loan sizes, which can translate into stronger revenue per closed loan and more efficient marketing economics.
This is the opposite of “spray and pray.” It’s targeted pipeline-building, based on eligibility signals that matter.
Why conventional cash-out marketing performs in rate-sensitive markets
When rates rise, the rate-and-term conversation becomes more difficult. That’s not pessimism, it’s math.
But cash-out demand is often tied to needs that don’t pause just because rates aren’t ideal. Debt consolidation needs don’t politely wait for the Fed. Home repairs don’t reschedule themselves. Life keeps happening.
That’s why conventional cash-out can help you maintain steadier volume as other refi segments tighten. It gives your pipeline an “all-weather” layer that supports growth while your competitors wait for the next rate headline.
What Monster Lead Group’s Conventional Cash Out Marketing Program is built to do
This program is designed for lenders who want to stop guessing and start scaling. The goal is simple:
Unlock homeowner equity. Grow your pipeline.
Here’s what that looks like in practice.
1) Reach homeowners with real equity demand
We focus on identifying and reaching homeowners who are positioned to leverage home equity and have reasons to act. That’s the difference between “interest” and intent.
2) Deliver a solution borrowers actually care about
Conventional cash-out is often a debt-restructuring tool: rolling multiple high-interest obligations into a single structured payment that can feel more manageable for the household.
When your marketing leads with that outcome (rather than rate), your message lands harder and faster.
3) Build consistent volume with a portfolio approach
A smarter refi strategy doesn’t focus on a single segment. Conventional cash-out strengthens your marketing “portfolio” by keeping volume moving when rate-only plays stall.
4) Keep you competitive where it counts
You don’t win by offering a product that everyone offers. You win by showing up with the right message at the right moment, aligned to what the homeowner is trying to accomplish.
Launch without trial-and-error: creative, benchmarks, and dedicated support
Let’s be blunt: the fastest way to burn budget is to “test” your way to competence while your competitors are already converting.
Our Conventional Cash Out Marketing Program is built so you can launch quickly with a proven foundation:
- Tested creative concepts
- Performance benchmarks
- Dedicated support (including a Client Success Manager)
Instead of paying tuition to the market, you can start with a structure designed to produce results.
What performance can look like
Every market is different. Every lender’s operations are different. But the program is built around one objective: high-intent opportunities that convert.
Current client performance indicates an estimated 2-3x ROI.
(Important note: ROI varies based on execution; speed to lead, follow-up discipline, offer clarity, and operational consistency. “Great leads” don’t fix broken processes.)
How to get the most out of conventional cash-out leads (without changing your whole business)
If you want to maximize conversions from cash-out opportunities, focus on three practical levers:
Speed wins
Cash-out borrowers often feel urgency. The first lender to respond clearly and confidently tends to own the conversation.
Message matters
Don’t lead with product jargon. Lead with outcomes:
- Consolidate high-interest debt into one structured payment.
- Access cash for renovation without opening multiple new accounts.
- Turn equity into options.
Simple next step
Make it frictionless:
- quick eligibility check
- clear documentation checklist
- confident explanation of scenarios and tradeoffs
- follow-up that feels helpful, not desperate
The takeaway: cash-out isn’t just a loan, it’s a growth channel
Conventional cash-out refinancing is one of the most active refinance products in the market, and it’s driven by homeowner needs that don’t disappear when rates change.
If you’re serious about building a durable pipeline, this should not be an occasional add-on. It should be a planned, repeatable channel in your marketing portfolio.
Monster Lead Group’s Conventional Cash Out Marketing Program is built to help you do exactly that, by connecting you with equity-strong, credit-capable homeowners and equipping your team with the creative, benchmarks, and support needed to launch fast and convert consistently.
Ready to launch your Conventional Cash Out campaign?
If you want consistent refi volume driven by homeowner equity demand, talk to Monster Lead Group.
Connect with your Client Success Manager to get started and launch your Conventional Cash Out campaign.
