Which mortgage CRMs have shipped real AI features?

Ten tools sit in the directory's Mortgage CRM & Platforms with AI category, and every one names a specific AI feature on its own site. Five post prices: LeadMailbox from $50/seat/mo, Viato with a free plan, Bonzo at $150/seat/mo, BNTouch at $165/mo single user and LoanOfficer.ai at $197/mo for two seats. The other five are priced by quote. This page names the AI feature each vendor posts, read on the vendor's own site on October 31, 2026.

CRMs with posted prices and a named AI feature

• BNTouch: $165/mo single user; $95/user/mo for 2–10 users, month to month. AI feature: Mortgage AI "MAIA", a chat and AI assistant with AI Rating & NextStep lead prioritization, an AI campaign creator, a 1003 fill-out assistant and AI Sales Assistant drafts, included in every plan. Works with Encompass, Calyx Point, BytePro, MeridianLink, LendingPad and Optimal Blue. Posts 10DLC registration for all users and FCC-compliant consent capture on lead forms.
• LoanOfficer.ai: $197/mo (2 seats) + $299 one-time setup; Team $397/mo (5 seats); Brokerage $697/mo (10 seats). AI feature: AI Receptionist, AI Follow-Up, AI Speed to Lead, AI Appointment Scheduling, AI Loan Applications and Refi & HELOC Detection. Posts TCPA guidelines with built-in consent tracking.
• Viato: free plan; Support $49/mo per loan officer; Viato Phone line $97/mo; usage on prepaid tokens at about $0.03/text segment. AI feature: Voice AI calling agents, Super Agent for text, email, chat and workflows, Call Intelligence transcripts and summaries, and a 3.4 Generator that builds a 1003 from a phone call. Two-way sync with Arive and LendingPad. Posts AES-256 at rest and no model training on borrower data.
• Bonzo: $150/seat/mo (Solo). AI feature: MMI's Content Studio for AI-powered flyers, emails, social posts and postcards, acting on MonitorBase alerts. No TCPA or borrower-data statement is posted, so ask.
• LeadMailbox: $50/seat/mo (Professional); $75/seat/mo (Pro Plus). AI feature: AI Composer on Pro Plus and Automated Voice and SMS AI Agents that answer inbound texts and calls and draft emails. Security statement names a SOC 2 compliant data center and field-level encryption for SSNs; no TCPA statement.

CRMs priced by quote with a named AI feature

• Total Expert: AI Sales Assistant (a voice and SMS agent on Customer IQ), AI Scenario Assistant, AI SMS Assistant and Expert Content. Built for lenders, banks and credit unions. Posts SOC 2 and ISO 27001.
• Aidium: Aidium Intelligence, with Aidium Agents built in a no-code Agents Builder that prompt and carry out approved CRM actions, AI Propensity Modeling for purchase and refinance likelihood, AI Personas segmentation, and Home Equity Alert and Change of Address agents. Posts SOC 2 badges with a trust center link.
• Shape: the ShapeAI suite of AI Calling, AI Texting, AI Insights call scoring and AI Content, plus ShapeIQ AI lead scoring; the AI Suite is a Core add-on and included in Complete and Enterprise. Per-user pricing by quote. Posts SOC 2 Type I and SOC 1 Type II, with 10DLC texting compliance and opt-in consent tracking listed as features.
• Insellerate: the Aithena layer, with Aithena Score predictive lead scoring, Aithena Agent for calls and texts and Aithena Train real-time coaching. Sold to lender channels. No TCPA or borrower-data statement is posted, so ask.
• Usherpa: "Authentic Intelligence", the vendor's named engine that combs the LO's database in real time for daily opportunity notifications and hot-opportunity alerts; now inside Optimal Blue. States compliance with RESPA, CFPB, Gramm-Leach-Bliley and TCPA.

What "real AI" means on this page

Each feature above is named by the vendor on its own site, and every listing records that name in its "AI feature" column. Three patterns show up: an assistant that drafts and prioritizes (BNTouch MAIA at $165/mo, Total Expert assistants by quote), agents that call and text borrowers (Shape ShapeAI by quote, Viato Voice AI on a free plan, LeadMailbox agents from $50/seat/mo), and scoring that ranks the database (Aidium propensity modeling, Insellerate Aithena Score, both by quote). Features a vendor marks "coming soon", such as the BNTouch Call Assistant, are recorded as such.

Teams comparing a shared CRM can see the segment view on the mortgage teams page.

Quick answers

Which mortgage CRM posts a price and includes AI in every plan?

BNTouch posts $165/mo for a single user and $95/user/mo for teams of 2–10, with its MAIA mortgage AI included in every plan.

Which mortgage CRMs with AI post a seat price below the rest of the category?

LeadMailbox posts $50/seat/mo (Professional) and $75/seat/mo (Pro Plus, which bundles the AI Composer), and Viato posts a free plan with a $49/mo Support tier per loan officer.

Which CRM AI features call or text borrowers?

Shape (by quote) posts AI Calling and AI Texting; Total Expert (by quote) posts an AI Sales Assistant for voice and SMS; LoanOfficer.ai ($197/mo) posts an AI Receptionist and AI Follow-Up; Viato (free plan) posts Voice AI calling agents.

Which mortgage CRMs name Encompass?

BNTouch ($165/mo single user) names Encompass, Calyx Point, BytePro, MeridianLink and LendingPad for LOS sync. Encompass is not named on the pages we read for Total Expert or Aidium, both priced by quote.

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