How much does an AI follow-up tool cost for a loan officer?

Of the eight tools in the directory's AI Lead Follow-up & Borrower Nurture category, six post a price and two are priced by quote. The posted flat plans run from LoanWick at $49/mo to BankingBridge AI SMS Chat at $349/mo + $950 setup, with Callingly at $100/mo, Agent Legend at $199/mo + $299 activation and Empower LO at $297/mo + $300 setup in between. Structurely posts metered usage from $0.07/minute for voice on top of a quoted platform fee. Every figure below was read on the vendor's own site on October 31, 2026, except LoanWick's, read on November 10, 2026.

Flat monthly plans with posted prices

• LoanWick: Essential $49/mo for 50 new and 250 active leads a month, rising by volume band to $999/mo for 4,000 new and 20,000 active; every loan officer is included with no per-seat fee, and Bonzo is billed separately. Two-way AI texting inside Bonzo. Works with Bonzo. States that STOP and unsubscribe replies end assistant texts and that texts stay inside a lead-local window; no TCPA or SOC 2 statement is posted, so ask before you buy.
• Callingly: $100/mo ($80/mo annual) including a $100 usage credit; AI calls from $0.50/call, SMS from $0.12/segment; unlimited users and leads; 14-day free trial. Works with Follow Up Boss, HubSpot, Salesforce, Calendly and Zapier. The vendor posts end-to-end encryption and says conversations are not used to train AI without consent; no TCPA statement is posted, so ask before you buy.
• Agent Legend: Starter $199/mo + $299 activation for 250 nurtured contacts a month; Grow $299/mo + $499 activation; Professional $499/mo + $499 activation; 14-day free trial. Lily, its AI analyst, scores the database for refinance and purchase triggers. Works with Follow Up Boss and, through Leaf360, Arive and LendingPad. Posts A2P 10DLC registration and TCPA-compliant opt-out language.
• Empower LO: Scale $297/mo + $300 setup, month to month, with AI Conversations by SMS, web chat, Messenger and Instagram; Teams from $497/mo. Built on HighLevel. No TCPA or borrower-data statement is posted on its site, so ask before you buy.
• BankingBridge AI SMS Chat: Launch $349/mo + $950 setup; AI Add-on $299/mo. The AI texts each lead a live rate quote from your pricing engine (Optimal Blue, Polly, Mortech, Lender Price, Loansifter are named). No TCPA or borrower-data statement is posted, so ask before you buy.

Metered usage on a quoted platform fee

• Structurely, now co-branded 21X: the platform fee is quote-based, and usage is posted from $0.07/minute for voice (BYOC), $0.02/message for SMS and $0.02/AI email. Works with Follow Up Boss, Salesforce, HubSpot, Bonzo and Velocify. The pricing page names A2P registration; no TCPA or SOC 2 statement is named, so ask.

Priced by quote

• Verse.ai: a managed service with a human concierge behind the AI; Starter, Professional and Enterprise plans are priced by quote. Works with Total Expert, Salesforce and HubSpot. Posts TCPA, state TCPA, CTIA and A2P 10DLC compliance statements and says it is SOC 2 compliant.
• Meera: priced by quote and written for lenders handling 1,000 or more leads a month, with texting in 90-plus languages. Works with Salesforce, HubSpot, Zoho and Five9. No TCPA or borrower-data statement is posted, so ask before you buy.

What moves the price

• What is metered. Agent Legend counts contacts (250 a month on the $199/mo plan), Callingly counts calls and texts against a $100 usage credit, and Structurely bills by the minute and the message.
• Lead volume. LoanWick prices by band of new and active leads a month, from $49/mo for 50 new and 250 active to $999/mo for 4,000 new and 20,000 active, with every loan officer included.
• One-time fees. Agent Legend adds a $299 activation, Empower LO a $300 setup and BankingBridge AI SMS Chat a $950 setup; budget for them in month one.
• Annual billing. Callingly posts $80/mo on annual billing against $100/mo monthly.

Follow-up priced inside other categories

• Pitchit bundles AI Speed-to-Lead with its receptionist: a free plan, then Starter $149/mo for 400 conversations.
• LoanOfficer.ai sells AI Follow-Up and AI Speed to Lead inside a mortgage CRM at $197/mo for two seats plus a $299 one-time setup.
• Viato runs Voice AI agents on a free plan with prepaid tokens at about $0.03/text segment.

Solo loan officers can see the whole segment on the independent loan officers page.

Quick answers

What is the lowest posted monthly price for an AI follow-up tool for a loan officer?

Among the follow-up tools in this directory, LoanWick posts the lowest monthly price, $49/mo for Essential (50 new and 250 active leads a month); next are Callingly at $100/mo ($80/mo annual) with a $100 usage credit included, and Agent Legend at $199/mo plus a $299 activation for 250 contacts a month.

Which AI follow-up tools post a free trial?

Callingly ($100/mo) and Agent Legend ($199/mo + $299 activation) each post a 14-day free trial. Pitchit, listed under AI receptionists, posts a free plan before its $149/mo Starter tier.

Which follow-up tools post a TCPA statement?

Verse.ai (priced by quote) posts TCPA, state TCPA, CTIA and A2P 10DLC statements, and Agent Legend ($199/mo + $299 activation) posts A2P 10DLC registration and TCPA-compliant opt-out language. LoanWick ($49/mo) states that STOP and unsubscribe replies end assistant texts and that texts stay inside a lead-local window, without naming TCPA. Callingly, Empower LO, BankingBridge AI SMS Chat, Structurely and Meera post no TCPA statement on the pages we read, so ask before you buy.

Do any follow-up tools quote live rates to the borrower?

BankingBridge AI SMS Chat ($349/mo + $950 setup, AI Add-on $299/mo) texts a live rate quote and fee snapshot pulled from the lender's pricing engine; it names Optimal Blue, Polly, Mortech, Lender Price and Loansifter.

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