AI tools for independent loan officers

Guide · Updated Oct 31, 2026 · Prices checked against each vendor's own site.

If you are an independent loan officer paying for your own tools, 38 of the 69 tools in this directory are sold to you: they name independent loan officers among their buyers or are sold to all mortgage pros. This guide walks them in the order your day runs, from the lead that lands at 9 p.m. to the past client about to refinance. Every price was read on the vendor's own site on October 31, 2026; a tool with no posted price is called quote-based.

The lead: answering in seconds without hiring

The first job most LOs hand to AI is the new inquiry. Callingly puts an AI voice agent on every lead, calls within seconds, qualifies the borrower and warm-transfers to you; it posts $100/mo ($80/mo annual) with a $100 usage credit, AI calls from $0.50/call and a 14-day free trial, and names Follow Up Boss and Calendly. Agent Legend runs text, email, ringless-voicemail and letter campaigns while its Lily AI analyst scores your database for refinance and purchase triggers; Starter is $199/mo + $299 activation for 250 contacts a month, with a free trial, and Follow Up Boss, Arive and LendingPad are named. Empower LO is a HighLevel-based platform whose AI Conversations feature texts leads and books your calendar, posted at $297/mo + $300 setup for the Scale plan. BankingBridge AI SMS Chat texts each lead a live rate quote from your pricing engine at $349/mo + $950 setup with an AI Add-on at $299/mo. Verse.ai is a managed texting service with a human concierge behind the AI, priced by quote, with TCPA and A2P 10DLC statements posted.

The phone and the database

An AI receptionist on your own line is now a flat monthly bill. Pitchit posts a free plan to build and test, then Starter $149/mo for 400 conversations, names Jungo and Total Expert as CRM connections, and posts SOC 2 Type II and a TCPA-compliant outreach statement. Ringlyn posts $49/mo for 2 agents with 50 minutes included and $0.20/minute after, plus a $7/mo phone number, with a 7-day free trial and a lending page that describes consent tracking, do-not-call handling and calling windows. Bland is self-serve at $0 platform fee + $0.14/minute, or Build at $299/mo + $0.12/minute, with SOC 2 Type II posted. Synthflow sells by annual agreement, priced by quote, with SOC 2 Type 2 posted.

The CRM is where the AI increasingly lives. BNTouch posts $165/mo for a single user and $95/user/mo for 2–10 users, includes its MAIA mortgage AI in every plan, names Encompass, Calyx Point, BytePro, MeridianLink and LendingPad for LOS sync, and states 10DLC registration and FCC-compliant consent capture on every lead form. Viato posts a free plan, Support at $49/mo per loan officer, usage at about $0.0255/call minute and $0.03/text segment, a Viato Phone line at $97/mo, two-way sync for Arive and LendingPad, and a statement that it does not train models on borrower data. LoanOfficer.ai bundles an AI receptionist into a CRM at $197/mo (2 seats) + $299 one-time setup and states that its AI communications follow TCPA guidelines. LeadMailbox posts $50/seat/mo and $75/seat/mo. Bonzo posts $150/seat/mo (Solo). Shape, Aidium and Usherpa are priced by quote; Usherpa states compliance with RESPA, CFPB, Gramm-Leach-Bliley and TCPA.

The pricing conversation

Two tools put AI in front of the borrower at the rate talk. MortgageCoach builds Total Cost Analysis presentations from a typed or spoken scenario, a fee sheet or a screenshot, at $150/user/mo on the Individual plan, names Encompass, Total Expert, BNTouch and Jungo, and posts AICPA SOC 2 compliance. Zeitro gives a solo LO a free account with its Strata guideline assistant, a pricing engine across conventional, non-QM and private programs and a digital 1003 built from borrower documents, with paid plans quote-based, an Encompass export and a SOC 2 audit posted.

For guideline questions, Guideline Buddy answers in chat with source links on a free plan of 20 single-guideline and 5 multi-guideline chats a month, with Premium at $12/mo or $144/yr; its privacy policy says uploaded content may be used to train models unless you opt out by contacting the company, so read it before you upload a borrower file. Mortgage Guidelines AI pairs an AI guideline chat with a live expert desk at $49/mo for 1 user, $125/quarter or $440/yr; no data-handling statement is posted on its site, so ask before you buy.

The file

Point-of-sale tools now read the documents as they arrive. Floify posts $99/user/mo and $299/mo for a Team plan covering 1 LO + 4 support users, with Dynamic AI pre-filling the application from uploaded pay stubs, W-2s and IDs; no SOC 2 or borrower-data statement is posted, so ask before you buy. LiteSpeed is Encompass-native and priced by quote, with Sidekick turning Encompass conditions into borrower requests and SOC 2 posted. SOLO by Tidalwave does the first underwriting pass at the point of sale, including bank statement analysis and dual AUS, by quote, and posts SOC 2 Type II. Prudent AI Upfront Suite calculates qualifying income traced to the document line and is sold to brokers through a self-serve portal, by quote, with SOC 2 Type 2 and ISO 27001:2022 posted. DocMagic One adds Assistive AI agents to document preparation, by quote.

Past clients and the refinance wave

Your database is the asset no lead vendor can sell you. Homebot sends past clients a monthly home-value and equity digest and alerts you when a client shows intent: Starter $125/mo + $100 setup, Pro $225/mo, Unlimited $300/mo, co-sponsored agents $25/mo each, with Total Expert and Follow Up Boss named and SOC 2 Type II plus a RESPA Section 8 statement posted. Fello watches a contact database for equity, refinance and move signals at $499/mo for 3,000 contacts ($415/mo annual) plus a one-time onboarding fee, and its pricing page lists a Proof of Consent Certificate and Do Not Call verification on every tier. MonitorBase monitors credit behavior, equity changes and listing signals, and MMI adds ChatMMI for plain-language questions about which agents in your market closed the most purchase loans; both are quote-based with no TCPA or borrower-data statement posted, so ask before you buy.

Partners, video and your name online

BombBomb records personal video for borrowers and agents at $42/user/mo ($36/user/mo annual), with AI speaker notes and summaries in the Core + Copilot tier at $70/user/mo ($56/user/mo annual); it names Total Expert, Follow Up Boss and Homebot and posts SOC 2 Type II. Evocalize gives an individual LO a free account with no platform fee, where Evo, its AI marketing director, runs branded video and social programs on a media budget typically $49–$499/mo, with your NMLS ID and disclosures added, and the vendor states the platform is built for RESPA, TCPA and the FCC's lead-generation rules. Sendible schedules posts with approval workflows at $169/mo (annual). Automate the Journey AI Video Editor turns one recording into two human-reviewed reels, first two free, then by quote.

For the website, rebel iQ AI posts a free Launch plan at $0/mo and Starter at $29/mo after a 14-day trial, with AI-written landing pages, seven calculators, co-branded realtor partner pages and a TCPA statement. LenderHomePage posts LO Starter at $127/mo (annual) or $139/mo + $199 onboarding, with an AI Content Engine, the bundled Loanzify POS and a SOC 2 Certified badge. Experience.com collects borrower surveys at loan milestones and scores your visibility in search and AI answers, with a free profile, paid plans by quote and SOC 2 Type II posted.

The compliance line

Every listing shows what the vendor posts about TCPA consent or borrower-data handling, and nothing more. Among the tools above, TCPA or consent statements are posted by Pitchit, Verse.ai, Agent Legend, LoanOfficer.ai, Usherpa, Evocalize, rebel iQ AI, Ringlyn and Fello; BNTouch states FCC-compliant consent capture; SOC 2 is posted by Pitchit, Bland, Synthflow, MortgageCoach, Zeitro, LiteSpeed, SOLO, Prudent AI, Homebot, BombBomb, Experience.com and LenderHomePage. For Empower LO, BankingBridge, Bonzo, Floify, DocMagic One, MMI, MonitorBase, Sendible, Automate the Journey, Guideline Buddy and Mortgage Guidelines AI, no TCPA or borrower-data statement is posted on the site, so ask before you buy. Callingly, Viato and Bland post data statements but no TCPA position, so ask about consent before an outbound campaign.

What to do first

• Write down what you pay today for lead response, phone answering, CRM and database marketing, and the hours each one costs you.
• Start where the vendor posts a free tier: Zeitro, Viato, Pitchit, Evocalize, rebel iQ AI and Guideline Buddy can be tested without a card.
• Check the "Works with" line against your own LOS and CRM before a demo, and ask to see the sync live.
• For any tool that will text or call borrowers, read the compliance line; where it says "not posted", ask for the TCPA statement in writing.
• Prices here were read on October 31, 2026; the vendor's page is the final word. More tools that name independent loan officers are in the list below this guide.

Quick answers

What does an AI follow-up tool cost an independent loan officer?

Posted plans run from LoanWick at $49/mo (Essential, priced by lead volume) and Callingly at $100/mo ($80/mo annual) with a $100 usage credit, to Agent Legend at $199/mo + $299 activation, Empower LO at $297/mo + $300 setup and BankingBridge AI SMS Chat at $349/mo + $950 setup. Verse.ai is priced by quote.

Which mortgage CRMs post a price a solo LO can buy?

BNTouch posts $165/mo for a single user, Viato a free plan with Support at $49/mo per loan officer, LeadMailbox $50/seat/mo, Bonzo $150/seat/mo and LoanOfficer.ai $197/mo (2 seats) + $299 one-time setup.

Is there a refinance-alert tool with a posted price?

Homebot posts Starter $125/mo + $100 setup, Pro $225/mo and Unlimited $300/mo. Fello posts $499/mo for 3,000 contacts ($415/mo annual). MonitorBase and MMI are quote-based.

Which of these tools have a free plan?

Zeitro (Strata, Pricing Engine and Digital 1003), Viato, Pitchit, Evocalize, rebel iQ AI (Launch $0/mo), Guideline Buddy and Experience.com (free profile) all post a free tier.

Which tools for independent LOs post a TCPA statement?

Pitchit ($149/mo Starter), Agent Legend ($199/mo + $299 activation), LoanOfficer.ai ($197/mo), Verse.ai (quote-based), Evocalize (free account) and rebel iQ AI ($29/mo Starter) post TCPA statements on their own sites.

Not sure which fits your business? Get help choosing.

29 of these 38 tools name independent loan officers outright on their own site; the rest sell to mortgage professionals generally and are included because they work for independent loan officers too. 26 post a starting price.