Which mortgage pricing engines have AI, and do they post a broker price?

Five tools sit in the Pre-Approval, Pricing & Scenario Tools category, read on the vendor's own site on October 31, 2026. Two of them post a plan a broker can start on at no charge: Zeitro, with a free account that includes its pricing engine and Strata guideline assistant, and Lender Price, whose Broker & Lender Marketplace is free for wholesale brokers. Optimal Blue sells its AI features in a quote-based enterprise PPE, and separately posts Loansifter, a $79/mo broker PPE without a named AI feature. MortgageCoach, a borrower-presentation tool with an AI builder, is $150/user/mo. LoanPASS is priced by quote. Here is how each one lines up on AI, price, integrations and posted compliance.

Engines with a posted broker price

• Zeitro: free account (Strata, Pricing Engine, Digital 1003); paid and Company plans priced by quote. The pricing engine spans conventional, non-QM and private-lending programs, and Strata returns cited guideline and scenario answers across 100+ lenders' documents. Posts a SOC 2 audit on every plan.
• Lender Price: Broker & Lender Marketplace free for wholesale brokers who upload their rate sheets once; Enterprise PPE and AILA priced by quote. AILA answers guideline and eligibility questions and AILA Builder writes pricing rules in natural language. Whether AILA reaches Marketplace brokers is not stated on the site, so ask when you sign up. Posts SOC 2 Type II.
• Optimal Blue: quote-based PPE with Originator Assistant; Loansifter broker PPE $79/mo without a named AI feature. Originator Assistant recommends eligible and near-eligible loan scenarios, and Rules Assistant writes plain-language pricing rules; both sit in the enterprise PPE. The Loansifter page describes no AI feature, so ask whether Originator Assistant is on its roadmap. No SOC 2 or data-handling statement is posted on the pages we read, so ask before you buy.

Engines priced by quote

• LoanPASS: priced by quote, sold to banks, credit unions, independent mortgage bankers and private money lenders. LoanPASS.AI gathers borrower answers in chat and returns deterministic pricing and eligibility from the lender's own rules. Connectivity to the rules engine and its APIs is posted as free to clients and partners. Posts a SOC 2 Type 2 report (July 2025).

The presentation layer

• MortgageCoach: $150/user/mo (Individual); Enterprise custom for 5+ users. The Individual plan includes the Enhanced AI presentation builder (type or speak a scenario, upload a fee sheet or screenshot) and borrower chat. Names Optimal Blue, Polly and Lender Price as pricing connections. Posts AICPA SOC 2 compliance and a public Trust Center.

What plugs into what

The Works with column names Encompass for Zeitro, Lender Price, LoanPASS and MortgageCoach. Optimal Blue names MortgageCoach. Lender Price and LoanPASS also name MeridianLink, and LoanPASS names the Fannie Mae and Freddie Mac pricing APIs.

The compliance line

Four of the five post a security statement: SOC 2 Type II for Lender Price, a SOC 2 Type 2 report for LoanPASS, a SOC 2 audit for Zeitro and AICPA SOC 2 compliance for MortgageCoach. Optimal Blue posts no security standard on the pages we read, so ask for one before you buy.

Prices are the vendor's own posted figures; quote-based means the vendor posts no price and you will need a demo to get one.

Quick answers

Is there a free pricing engine with AI for a mortgage broker?

Zeitro posts a free account that includes its pricing engine and the Strata guideline assistant, and Lender Price posts its Broker & Lender Marketplace as free for wholesale brokers, with AILA sold in the quote-based Enterprise PPE.

Does Optimal Blue sell its AI to brokers?

The sheet records Optimal Blue as quote-based for the PPE with Originator Assistant, and Loansifter as a $79/mo broker PPE without a named AI feature. Ask the vendor whether Originator Assistant is planned for Loansifter.

Which pricing tool posts a per-user price?

MortgageCoach posts $150/user/mo for its Individual plan, bought online, with the AI presentation builder included; Enterprise is custom for 5+ users.

Which of these tools work with Encompass?

Zeitro, Lender Price, LoanPASS and MortgageCoach all name Encompass in the Works with column. MortgageCoach's Enterprise plan is the one that adds the ICE/Encompass connection.

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