AI tools for mortgage broker shops

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

If you own a mortgage broker shop, 39 of the 69 tools in this directory are sold to you: they name mortgage broker shops among their buyers or are sold to all mortgage pros. The broker list differs from the solo-LO list in two places: eleven AI receptionists post a mortgage-broker page, and the pricing-engine vendors sell a broker product next to their lender product. This guide walks the shop's pipeline from the lead to the compliance line. Every price was read on the vendor's own site on October 31, 2026; tools with no posted price are quote-based.

The lead

Three follow-up tools name broker shops. Callingly calls every new lead within seconds with an AI voice agent and warm-transfers to the LO on duty; every plan includes unlimited users and leads, Starter is $100/mo ($80/mo annual) with a $100 usage credit and AI calls from $0.50/call, and the vendor names Follow Up Boss, HubSpot and Salesforce. Agent Legend runs text, email, ringless-voicemail and letter campaigns and scores the shop's database with its Lily AI analyst; Starter is $199/mo + $299 activation for 250 contacts a month, Grow $299/mo + $499 activation and Professional $499/mo + $499 activation, with Arive and LendingPad reached through Leaf360 and a posted A2P 10DLC and TCPA opt-out statement. Verse.ai is a managed texting service with a human concierge behind the AI, priced by quote across three plans, and it posts TCPA, state TCPA, CTIA and A2P 10DLC statements along with a SOC 2 compliant statement.

The phone

This is the deepest shelf in the directory for brokers. Turnkey receptionists with a posted mortgage-broker page: Dialzara posts $29/mo (60 min, then $0.48/min), $99/mo (220 min), $199/mo (500 min) and $349/mo (1,000 min), with Borrower Intake, Rate Lock Capture and Realtor Referral Routing and a 7-day free trial. Goodcall prices by unique customers at $79/mo (100 unique customers, then 79¢ each), $129/mo (500) and $299/mo (2,000), and names Encompass, Salesforce and Calendly. Aira prices by calls from $24.95/mo monthly or $19.96/mo (annual) for 30 calls, answering in 31 languages. Frontdesk sells one flat plan at $99/mo (or $79/mo annual) with 200 voice minutes and a built-in AI CRM. Pitchit posts a free plan, then Starter $149/mo (400 conversations), Growth $349/mo (1,000) and Pro $599/mo (2,000), names Jungo and Total Expert, and posts SOC 2 Type II and a TCPA statement.

Mortgage-native and build-it-yourself platforms: Thoughtly is written for broker shops and direct lenders, calls rate inquiries within seconds and hands off to a licensed LO, priced by quote, with Encompass, Total Expert and Surefire named and SOC 2 Type II plus recorded TCPA consent, CFPB-aligned scripts and state MLO disclosures described on its mortgage page. Retell AI posts $0.07–$0.31/minute pay as you go with 60 free minutes and a mortgage-broker use case. ElevenAgents runs from a free plan (15 min) and Starter $6/mo (75 min) to Pro $99/mo (1,238 min) and Business $990/mo (12,375 min), with LLM and telephony at cost. Bland posts $0 platform fee + $0.14/minute or Build at $299/mo + $0.12/minute. Ringlyn posts $49/mo (2 agents, 50 min included, $0.20/minute) + $7/mo phone number. Synthflow is quote-based on an annual agreement.

The CRM and the LOS

BNTouch posts $165/mo for a single user and $95/user/mo for 2–10 users, month to month, with MAIA included, LOS sync named for Encompass, Calyx Point, BytePro, MeridianLink and LendingPad, and a stated 10DLC registration for every user. Viato posts a free plan, Support at $49/mo per loan officer and a Viato Phone line at $97/mo, with two-way sync named for Arive and LendingPad plus UWM and Stikkum. LoanOfficer.ai posts $197/mo (2 seats) + $299 one-time setup, Team $397/mo (5 seats) and Brokerage $697/mo (10 seats). LeadMailbox posts $50/seat/mo and $75/seat/mo. Bonzo posts $150/seat/mo (Solo) with team packages through sales. Shape is priced per user by quote and has a dedicated offer for Rocket Pro brokers.

On the LOS side, Encompass sells an Encompass for Brokers edition alongside Encompass for Bankers, both quote-based, with its ICE Aurora AI layer covering guideline lookups, borrower and lender chat agents and document classification; ICE posts SOC 1 and SOC 2 reports through its security center.

The pricing

Brokers get a free front door at two pricing engines. Lender Price posts its Broker & Lender Marketplace as free for wholesale brokers who upload their rate sheets once, with the Enterprise PPE and the AILA guideline assistant quote-based; whether AILA reaches Marketplace brokers is not stated on the site, so ask when you sign up. Optimal Blue puts its Originator Assistant in the enterprise PPE, sold on a quote; brokers buy Loansifter at $79/mo, a self-service PPE with 120+ wholesale investors whose page describes no AI feature, so ask whether Originator Assistant is on its roadmap. Zeitro gives a broker shop a free account with its Strata guideline assistant, a pricing engine across conventional, non-QM and private programs and a digital 1003, with paid and Company plans quoted and a SOC 2 audit posted.

For guideline questions across the desk, Guideline Buddy posts a free plan and Premium at $12/mo or $144/yr, with a Company plan for brokers quoted. Mortgage Guidelines AI posts $49/mo for 1 user and Team at $33/user/mo for 3-250 users.

The file

Floify posts $99/user/mo and a $299/mo Team plan (1 LO + 4 support users), with its Broker Edition quote-based and a $71/mo Broker Edition offer through Brokers Are Better; Dynamic AI pre-fills the application from uploaded pay stubs, W-2s and IDs, and no SOC 2 or borrower-data statement is posted, so ask before you buy. LiteSpeed is an Encompass-native point of sale sold to brokers of all sizes by quote, with Sidekick file analysis and SOC 2 posted. SOLO by Tidalwave does the first underwriting pass at the point of sale and is sold to broker shops as well as lenders, with NEXA Mortgage a named customer, by quote, with SOC 2 Type II posted. Prudent AI Upfront Suite reaches brokers through a self-serve broker portal and calculates qualifying income across W-2, self-employed and bank statement borrowers, by quote, with SOC 2 Type 2 and ISO 27001:2022 posted.

Past clients and partners

Fello mines a past-client database for equity, refinance and move signals at $499/mo for 3,000 active contacts ($415/mo annual) plus onboarding, with a Proof of Consent Certificate and Do Not Call verification listed on every tier. MMI sells agent-production data with ChatMMI for finding the agents who close the most purchase loans, and MonitorBase monitors past clients for credit, equity and listing signals; both are quote-based with no TCPA or borrower-data statement posted, so ask before you buy. BombBomb records video for borrowers and agents at $42/user/mo ($36/user/mo annual) with Copilot AI at $70/user/mo. Evocalize runs branded video, social and search programs with the media budget, typically $49–$499/mo, as the cost, and states the platform is built for RESPA and TCPA. Automate the Journey AI Video Editor delivers two human-reviewed reels per recording, first two free, then by quote. LenderHomePage posts LO plans from $127/mo (annual) and Team plans from $349/mo (annual), with broker tiers quoted and BNTouch, Calyx and LendingPad named. Experience.com collects borrower reviews at loan milestones with a free profile and paid plans by quote.

The compliance line

Sei AI is the one tool in the directory that scores every LO call against TILA, RESPA, UDAAP and Fair Housing instead of sampling, sold to broker shops by quote, with Encompass, Calyx and MeridianLink named and SOC 2 Type II plus PCI DSS Level 1 posted. Across the receptionist shelf, TCPA statements are posted by Thoughtly, Pitchit and Ringlyn; Dialzara, Goodcall, Aira and Frontdesk post no TCPA or SOC 2 statement, so ask before you buy; Retell AI, ElevenAgents, Bland and Synthflow post security standards without a TCPA statement. Among the CRMs, BNTouch states FCC-compliant consent capture, LoanOfficer.ai states TCPA guidelines, and Viato and Bonzo post no TCPA statement. Where the listing reads "not posted", the vendor may well have the document; it is not on the site, so ask for it in writing.

What to do first

• List the shop's phone volume and lead volume for one month; the receptionists price by minutes, calls, unique customers or conversations, and the right unit depends on your numbers.
• Open the free tiers first: Pitchit, Zeitro, Viato and the Lender Price Marketplace cost nothing to try.
• Match the "Works with" line to your LOS. Encompass is named by Goodcall, Thoughtly, BNTouch, LiteSpeed, SOLO and Zeitro; Arive by Viato, Agent Legend and Experience.com; LendingPad by BNTouch, Viato and Agent Legend.
• For any tool that will text or call borrowers under your NMLS, ask for the TCPA statement where the listing reads "not posted".
• Prices here were read on October 31, 2026. More tools that name broker shops are in the list below this guide.

Quick answers

What does an AI receptionist cost a mortgage broker shop?

Posted plans start at Dialzara $29/mo (60 min), Aira $24.95/mo for 30 calls, Ringlyn $49/mo, Goodcall $79/mo, Frontdesk $99/mo and Pitchit $149/mo; Thoughtly and Synthflow are quote-based.

Which AI receptionists name Encompass on their own site?

Goodcall ($79/mo) and Thoughtly (quote-based) name Encompass. Pitchit ($149/mo Starter) names Jungo and Total Expert.

Is there a free pricing engine for brokers?

Lender Price posts its Broker & Lender Marketplace as free for wholesale brokers. Zeitro posts a free account with a pricing engine. Optimal Blue posts Loansifter at $79/mo without a named AI feature.

Which broker CRMs post prices?

BNTouch $165/mo single user and $95/user/mo for 2–10 users; LoanOfficer.ai Brokerage $697/mo (10 seats); Viato free plan with Support $49/mo per loan officer; LeadMailbox $50/seat/mo; Bonzo $150/seat/mo.

Which tools for broker shops post both SOC 2 and a TCPA statement?

Pitchit ($149/mo Starter), Thoughtly (quote-based) and Verse.ai (quote-based) post both on their own sites.

Not sure which fits your business? Get help choosing.

29 of these 39 tools name mortgage broker shops outright on their own site; the rest sell to mortgage professionals generally and are included because they work for mortgage broker shops too. 26 post a starting price.