Cold Call X
The power dialer for loan officers, on your iPhone.
Cold Call X is a power dialer for loan officers and mortgage brokers, work your realtor partner list, past-client database, and aged leads from your own cell number. No CRM required, no monthly seat.
4.7★ on the App Store (71 ratings, checked October 9, 2026) · $19.99 one-time · No subscription
What is the best dialer for a loan officer on iPhone?
For a loan officer or mortgage broker who dials their own lists, Cold Call X is a power dialer that runs on your iPhone from your own cell number. Import your realtor partners, past clients or aged leads from CSV or Google Sheets, tap to dial one call at a time, log the outcome, and the next follow-up schedules itself. It costs $19.99 once, with no subscription and no per-seat fee. For comparison, per their own pricing pages (checked September 27, 2026), PhoneBurner starts at $140 per user per month billed annually, and Mojo's single-line dialer setup starts at $99 a month. See the full cost breakdown, or the power dialer for iPhone page for everything the app does.
Your realtor partner list, actually dialed
Every loan officer has the list: agents who promised to send business, agents who used to, agents you met at the networking event. Export it to CSV or Google Sheet, import, and log a one-tap call outcome after each call: Voicemail, Callback, Interested, Not Interested. No Answer, Voicemail and Interested schedule the next attempt automatically, and last-called dates keep you honest about who's gone three months without a check-in.
Dial from the number realtors already have
Calls go through your iPhone from your own number, the one on your business card and your NMLS profile. No VoIP line that agents screen out, no per-minute meter, and when a partner calls back, it rings the phone in your pocket.
Past-client check-ins that actually happen
Rate-drop call to the 2024 buyers, refi check on the anniversary crowd, import your past-client database and work it in batches. The moment someone says "call me this spring," book a Callback with an exact-time reminder, and send the follow-up text or email from a one-tap template. No copy-paste between apps.
Aged lead batches, worked properly
For purchased mortgage leads, start with the source and consent records before you dial. Bring the file into Cold Call X, check the mapped name and phone columns, separate campaigns by lender or source, and suppress Do-Not-Call entries before working the list. The plain-English TCPA auto dialer guide is a starting point, not legal advice.
Make opt-outs part of the borrower record
If a prospect asks not to be called, mark the contact do-not-call before your next calling block. Cold Call X removes that record from its local queue, even when you filter or shuffle a mortgage-lead list. That protects the follow-up workflow on your phone; it does not replace your broker's, lead vendor's, or National Do Not Call Registry screening process.
Multi-state pipeline? Mind the clock.
Sort your pipeline around the workday you actually keep. A partner follow-up list, a past-client anniversary batch, and a new lead campaign each deserve their own view. Filter uncalled names first, then use last-called dates and notes to decide who needs a personal follow-up. For the windows worth dialing in, our best time to cold call guide has the breakdown.
Honest fit: what Cold Call X is, and isn't
Most "mortgage dialer" pages sell you a call-center platform wired into a CRM. This is a focused prospecting companion for an individual originator, not a replacement for the systems that run a mortgage operation. Here is the practical boundary.
It is
- Built for solo loan officers and independent brokers working partner lists, past-client databases, and aged lead batches from an iPhone.
- The full feature set is available for a single $19.99 purchase, without branch seats or feature tiers.
- Dialing from your own carrier number, so partner call-backs hit the phone they already have.
It is not
- A mortgage CRM or LOS, no loan pipelines, pre-qual tracking, or document collection. Working data can leave the app through the iOS share sheet when you need to update your approved pipeline records.
- A call-center floor, no predictive dialing, agent leaderboards, or speed-to-lead automation.
- A VoIP line or lead vendor. It is one live conversation at a time, using your number and your approved contact source.
Cold Call X isn't a team dialer: it has no predictive pacing or speed-to-lead routing. For a solo-versus-team cost checklist, see our free vs paid power dialer guide. For a cost comparison with larger sales platforms, see our Mojo vs PhoneBurner vs Cold Call X guide.
Loan officer dialing, answered
Is there a dialer for loan officers without a subscription?+
Yes. Cold Call X is a power dialer for loan officers and mortgage brokers on iPhone, and it is a one-time $19.99 App Store purchase with no monthly fee and no per-seat license. It dials from your own cell number, one call at a time, so realtor partners and past clients see the number they already know. For comparison, PhoneBurner lists $140 per user per month billed annually and Mojo's single-line setup starts at $99 a month, per their own pricing pages (checked September 27, 2026).
Can I import my lists from a CSV export?+
Yes. Export the fields you need from your LOS, spreadsheet, or contact database, then import the CSV or Google Sheet. Keep partner referrals, past clients, and purchased leads in separate lists so the source and follow-up context remain clear.
Will mortgage partners see my usual business number?+
Yes. Cold Call X hands each call to the iPhone phone app over your carrier line, so referral partners and past clients see the business number they already use to reach you. It does not require a VoIP seat or charge calling minutes.
Is there a monthly fee or per-seat license?+
No. The App Store purchase is $19.99 once. There is no recurring subscription or account setup for the app.
Is cold calling mortgage leads compliant?+
The app places one call at a time from your iPhone and does not generate numbers or play recorded messages. Whether a campaign is permitted still depends on consent, Do-Not-Call status, state calling hours, and whether you are contacting a consumer or a business. Review our TCPA guide and get advice for your campaign; this is not legal advice.
Will it replace my mortgage CRM?+
No. Keep applications, disclosures, milestones, and borrower documents in your LOS or mortgage CRM. Cold Call X handles the calling list, call outcomes, notes, and follow-up reminders, and you can export data through the iOS share sheet.
Can multiple loan officers on my team use it?+
Each officer uses their own iPhone installation and keeps their working lists and notes on that device. There is no shared team workspace or per-seat subscription, so a branch should define its own process for approved lists, records, and follow-up handoffs.
What should I do when a mortgage lead asks not to be called?+
Mark that contact do-not-call in Cold Call X before the next calling block. The app keeps the contact out of its working queue, including after you filter or shuffle a list. That local control does not replace lead-source checks or National Do Not Call Registry compliance, so keep those processes with your broker or vendor.
Is Cold Call X a good cold calling app for mortgage brokers?+
It is built for the broker workflow: working realtor partner lists, past-client databases, and aged lead batches solo, from your own number, with one-tap call outcomes, Calling Hours, and callback scheduling. It is not a mortgage CRM or a call-center floor, so it fits brokers who dial their own lists rather than teams dialing through a manager's dashboard.
Work the lists you already own
Download Cold Call X, import your partner list, and start dialing in minutes.
4.7★ on the App Store (71 ratings, checked October 9, 2026) · $19.99 one-time · No subscription · Your leads never touch our servers