AI tools for non-QM and private lenders

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

Non-QM and private lending is the smallest segment in this directory, and we would rather say so than pad the page. 14 of the 69 tools are sold to you: four name non-QM, non-agency, business-purpose or private lenders on their own sites, and ten more are sold to all mortgage pros and work for any lender. This guide walks the four first, because they are where the bank-statement file, the investor matrix and the hard-money portfolio actually get handled, then covers the shared tools for the phone, the borrower and the compliance line. Every price was read on the vendor's own site on October 31, 2026; most of the tools here are priced by quote.

What is listed for this segment

The four tools that name this buyer: Lender Price, a pricing engine with a FLEX Non-QM engine and a broker marketplace; LoanPASS, a pricing and decisioning engine whose vendor names business-purpose and private money lenders; Prudent AI Upfront Suite, income and eligibility AI sold to non-QM lenders; and Mortgage Automator, an origination, servicing and fund-management platform for private and hard-money lenders. The ten shared tools are four AI phone platforms (Pitchit, Synthflow, Bland, Ringlyn), one CRM (LeadMailbox), one past-client tool (Fello), two video tools (BombBomb, Automate the Journey AI Video Editor), one reviews platform (Experience.com) and one guideline chat (Mortgage Guidelines AI).

The pricing engine

Lender Price runs two front doors. The Enterprise Pricing Engine, with its FLEX Non-QM Pricing Engine, AILA (the vendor's Artificial Intelligence Loan Assistant for guideline and eligibility answers) and AILA Builder for writing pricing rules in natural language, is sold to lenders on a quote. The Broker & Lender Marketplace is posted as free for wholesale brokers, and the vendor states that non-QM, non-agency and reverse lenders joined the Marketplace through 2025. Encompass, MeridianLink and MortgageCoach are named, and SOC 2 Type II is stated on the About page. Whether AILA's guidance reaches Marketplace brokers is not stated on the site, so ask.

LoanPASS is a rules-based pricing and decisioning engine for non-agency and business-purpose markets, with LoanPASS.AI, a borrower-facing chatbot that gathers answers and returns deterministic pricing and eligibility from the lender's own rules with a ChatGPT layer inside guardrails. The vendor names banks, credit unions, independent mortgage bankers, commercial, business-purpose and private money lenders as buyers, prices on a quote, and posts that connectivity to its rules engine and APIs is free to clients and partners. Encompass, MeridianLink, Vesta, Lodasoft and MortgageFlex are named, and a SOC 2 Type 2 report (July 2025) is posted.

The file: bank statements and investor matrices

Prudent AI Upfront Suite is built for the income-heavy file. Upfront Income calculates qualifying income across W-2, self-employed and bank statement borrowers, with deposit analysis and an expense factor, and traces each figure to the document line; Upfront Index classifies and stacks the file; Upfront AUS checks eligibility against investor matrices at intake. It is sold to non-QM lenders, retail and wholesale lenders and to brokers through a self-serve portal, by quote. Fannie Mae is the named integration and the LOS connection is by API. The vendor posts SOC 2 Type 2, ISO 27001:2022 and AES-256 encryption at rest.

Two tools listed under other segments name non-QM on their sites and are worth knowing about. Zeitro, listed for loan officers, broker shops and lender branches, posts a free account whose pricing engine spans conventional, non-QM and private-lending programs alongside its Strata guideline assistant, with paid plans quote-based. Guideline Buddy, listed for loan officers, broker shops and teams, runs a Cross-Program Scenario Comparison that checks one scenario against Fannie, Freddie, FHA, VA, USDA and Non-QM, on a free plan or Premium at $12/mo or $144/yr; its privacy policy says uploaded content may be used to train models unless you opt out.

The LOS for private and hard-money lenders

Mortgage Automator is the one platform in the directory built for private and hard-money lenders, individual lenders, in-house servicers and fund managers, covering origination, servicing, fund and investor management, CRM and portals for borrowers, brokers and investors. Its AI is an MCP Server, a read-only connector that lets Claude and ChatGPT query live loan data for plain-language portfolio questions, plus AI-powered document extraction. Pricing is quote-based across four volume tiers from Core (up to 24 active loans) to Enterprise, with an API package on the Connect and Enterprise tiers. The vendor states SOC 2 Type II on its MCP page and posts 256-bit TLS in transit and an encrypted database at rest.

The phone and the lead

The four phone platforms sold to all mortgage pros each post a lending use case. Ringlyn posts $49/mo (2 agents, 50 min included, $0.20/minute) + $7/mo phone number and, alone on this list, describes Outbound Payment Reminder Calls alongside loan inquiry answering and application intake by voice, which fits a lender that services its own book; consent tracking and do-not-call handling are described on its lending page. Bland posts $0 platform fee + $0.14/minute or Build at $299/mo + $0.12/minute, with loan origination intake, disclosures and consent capture and account servicing named as use cases, and SOC 2 Type II posted. Pitchit posts a free plan and Starter $149/mo (400 conversations), sorting purchase from refinance and collecting credit range and timeline, with SOC 2 Type II and a TCPA statement. Synthflow is quote-based on an annual agreement with SOC 2 Type 2 posted. For the CRM, LeadMailbox runs a Mortgage edition at $50/seat/mo (Professional) and $75/seat/mo (Pro Plus) with Voice and SMS AI Agents, and its security statement names a SOC 2 compliant data center and field-level encryption for SSNs.

Borrowers, brokers and your name

Fello watches a contact database for equity, refinance and move signals and sends home-value reports, at $499/mo for 3,000 active contacts ($415/mo annual) plus a one-time onboarding fee, with Felix, its AI teammate, as a separately priced add-on and a Proof of Consent Certificate listed on every tier. BombBomb sends personal video to borrowers and broker partners at $42/user/mo ($36/user/mo annual), with AI speaker notes and summaries in Core + Copilot at $70/user/mo ($56/user/mo annual), and posts SOC 2 Type II. Automate the Journey AI Video Editor turns one recording into two branded reels with a human editor reviewing each, first two free and then by quote. Experience.com collects borrower and partner surveys at loan milestones and tracks search and AI visibility, with a free profile, paid plans by quote, Encompass and Arive named and SOC 2 Type II posted. Mortgage Guidelines AI posts $49/mo for 1 user and Team at $33/user/mo; note that its AI answers from agency guides and bulletins, so for non-agency programs the investor matrix tools above are where the AI reads your rules.

The compliance line

Of the fourteen, SOC 2 is posted by Lender Price (Type II), LoanPASS (Type 2), Prudent AI (Type 2 with ISO 27001:2022), Mortgage Automator (Type II), Pitchit (Type II), Bland (Type II), Synthflow (Type 2), BombBomb (Type II) and Experience.com (Type II); LeadMailbox names a SOC 2 compliant data center rather than its own report. TCPA or consent statements are posted by Pitchit, Ringlyn and Fello; Bland and Synthflow post security standards without a TCPA statement, so ask about consent before an outbound campaign. Automate the Journey and Mortgage Guidelines AI post no TCPA or borrower-data statement, so ask before you buy. The pricing and file tools here hold borrower bank statements and tax returns, so the posted SOC 2 reports are the line to read first on those listings.

What to do first

• Decide which file problem costs you most: pricing non-agency programs, calculating bank-statement income, or running the servicing book. Each maps to one of the four tools above.
• Ask Lender Price and LoanPASS to show your own non-QM rate sheet loaded in the demo, and ask Prudent AI to run one of your closed bank-statement files.
• If you broker as well as lend, open the Lender Price Marketplace and the Zeitro free account; both cost nothing to try.
• For the phone, start with the posted plans: Ringlyn at $49/mo and Pitchit's free plan can be tested before any agreement.
• Prices here were read on October 31, 2026. More tools that name non-QM and private lenders are in the list below this guide.

Quick answers

Which AI tools in the directory are built for non-QM or private lenders?

Lender Price (FLEX Non-QM engine, quote-based for lenders, Marketplace free for wholesale brokers), LoanPASS (quote-based), Prudent AI Upfront Suite (quote-based) and Mortgage Automator (quote-based, four volume tiers).

Is there an AI tool that calculates bank-statement income?

Prudent AI Upfront Suite calculates qualifying income for bank statement borrowers with deposit analysis and an expense factor, by quote. SOLO by Tidalwave and Ocrolus, listed for other segments, also analyze bank statements, both by quote.

What does a private-lender LOS with AI cost?

Mortgage Automator is quote-based across four volume tiers from Core (up to 24 active loans) to Enterprise; its MCP Server connects live loan data to Claude and ChatGPT.

Which shared tools post a price a small lender can start on?

Ringlyn $49/mo plus $7/mo phone number, Pitchit free plan then $149/mo, Bland $0 platform fee + $0.14/minute, LeadMailbox $50/seat/mo, BombBomb $42/user/mo and Fello $499/mo.

Which of these tools post SOC 2?

Lender Price, LoanPASS, Prudent AI Upfront Suite, Mortgage Automator, Pitchit, Bland, Synthflow, BombBomb and Experience.com post SOC 2 on their own sites.

Not sure which fits your business? Get help choosing.

4 of these 14 tools name non-QM and private lenders outright on their own site; the rest sell to mortgage professionals generally and are included because they work for non-QM and private lenders too. 9 post a starting price.