Pricing & Value

Pay Per Loan. Not Per Seat.

The MortgageTech® Processing Workbook delivers AI-powered automation, real-time borrower messaging, and compliance-grade audit trails — and you only pay when loans close. No contracts. No minimums. No surprises.

Every dollar in your technology budget should directly reduce cost-per-loan. MortgageTech® replaces multiple bolt-on tools with a single, integrated workbook that lives inside Encompass® Web — no new login, no new vendor, no new workflow to learn.

Per Closed Loan Pricing

Only pay for loans that close. Volume goes up, your rate goes down.

Starter
$19
per closed loan
1 – 200 loans / month
Everything included. Perfect for smaller shops ramping up production.
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Best Value
Growth
$14
per closed loan
201 – 1,000 loans / month
The sweet spot. Full platform at a price that scales with you.
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Scale
$11
per closed loan
1,001 – 5,000 loans / month
High-volume lenders get the best economics.
Same full platform.
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Enterprise
$8
per closed loan
5,000+ loans / month
Top-tier pricing for the biggest operations. Dedicated support & SLA.
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Every tier includes the full platform — SmartAdvisor™ AI, SMS & email messaging, compliance audit trail, 40+ custom panels. No feature gates.

MortgageTech® is the only Encompass ecosystem vendor with per-loan pricing. Other platforms charge per-seat or per-product regardless of whether a single loan closes. With MortgageTech®, you pay for results — not potential.

How We Compare

Here's how MortgageTech® stacks up against typical Encompass ecosystem pricing.

MortgageTech®
Encompass WorkbooksFX
Per-loan or per-seat, month-to-month
$8–$19/closed loan
No contract · Cancel anytime
  • 40+ custom panels inside Encompass Web
  • SmartAdvisor™ AI (GPT-4.1)
  • SMS + Email from the loan file
  • Compliance audit trail
  • Only vendor with per-loan pricing
Per-Seat Vendors
AI & Analytics Tools
Per-seat subscription
$50–$150/seat/month
Tiered pricing · Multi-year commitments typical
  • AI assistants & pipeline dashboards
  • Analytics & reporting tools
  • Separate logins or partial LOS integration
  • 30 seats ≈ $18K–$54K/year
  • No per-loan option
Per-Product Vendors
À La Carte Plugin Suites
Per-product licensing
$3K+/product/year
Individual plugins or bundles · Annual contracts
  • Dozens of individual plugins — each priced separately
  • Full bundles can run $40K–$60K+/year
  • Often Desktop SDK dependent
  • Processor stack ≈ $20K–$30K+/yr
  • No per-loan option
MortgageTech 500 loans/mo
$7,000/mo
Per-Seat Vendor 30-seat/yr
$18K–$54K
Plugin Vendor 6-product/yr
$20K–$30K+
Plugin Vendor Full Bundle/yr
$40K–$60K+
MortgageTech® is the only Encompass ecosystem platform with true per-loan pricing. Other vendors charge per-seat or per-product regardless of volume. You pay only when loans close.

1 What You Get — All In One Place

Most lenders cobble together 4–6 separate tools to accomplish what the MortgageTech® Workbook does natively. Here's what replaces what:

Capability MortgageTech® Typical Alternatives Typical Monthly Cost
Custom Processing Screens ✓ Included Encompass Input Form Builder or custom .NET $15K–$50K build + maintenance
AI Loan Assistant ✓ Included Standalone AI assistants or CRM add-ons $35–$75/user/mo
Borrower SMS Texting ✓ Included Standalone SMS platforms or CRM texting add-ons $25–$50/user/mo + per-msg fees
Borrower Email ✓ Included Marketing automation or drip-campaign platforms $30–$60/user/mo
Conversation Archiving ✓ Included Global Relay, Smarsh, TeleMessage $15–$25/user/mo
Compliance Audit Trail ✓ Included Custom development or manual logs $10K–$30K build cost
Dark Mode / Accessibility ✓ Included Rarely available in LOS tools —
The math is simple: A typical lender pays $100–$200/user/month across 3–4 separate tools for AI, SMS, email, and archiving — tools that don't talk to each other. MortgageTech® bundles all of it starting at $8/closed loan — no per-seat fees, no separate contracts — fully integrated inside Encompass.

2 Competitive Comparison

Here's how MortgageTech® stacks up against the alternatives lenders typically evaluate:

Feature MortgageTech® Per-Seat Vendors Per-Product Vendors Standalone CRMs Custom Build
Lives inside Encompass ✓ Web Varies Desktop only — Separate app ✓ If built for it
Encompass Web support ✓ Native Partial — Desktop SDK — $$$ Custom dev
AI loan guidance ✓ GPT-4.1 ✓ Some offer AI — ✓ Varies $$$ Custom dev
SMS messaging ✓ Built-in — — ✓ Some $$$ Custom dev
Email from loan file ✓ Built-in — — ✓ Drip campaigns $$$ Custom dev
Custom panel layouts ✓ 40+ panels — Dashboards only ✓ Per plugin — ✓
Per-loan pricing available ✓ $8–$19/loan — Per-seat only — Per-product only — Per-seat only —
Conversation tied to loan ✓ Auto-linked — — — CRM-based ✓ If built
Desktop SDK dependency None Varies Often full dependency None Varies
Setup time Same day 1–4 weeks 2–6 weeks per plugin 1–2 weeks 3–12 months
Long-term contract None Multi-year typical Annual per product Annual typical Ongoing maintenance

3 Return on Investment

For a mid-size lender with 20 processors closing an average of 15 loans/month each (300 loans/mo), here's what the numbers look like on the per-loan Growth tier:

Monthly Cost (Per-Loan Growth)
$4,200
300 closed loans × $14/loan — vs. $14,160/mo for $59/seat × 20 × 12 annualized alternatives
Time Saved Per Loan
22 min
No app-switching, no copy/paste between systems, AI handles condition analysis
Annual Hours Recovered
1,320 hrs
20 processors × 15 loans × 22 min ÷ 60 × 12 months
Compliance Risk Reduction
100%
Every message archived, every communication tied to a loan, full audit trail for examiners

What You'd Pay to Host It Yourself (300 loans/mo)

Line ItemMonthly Cost
Azure hosting (Static Web Apps Standard)$9
Azure OpenAI (GPT-4.1 mini, ~2,000 queries/mo)~$45
Azure Communication Services (SMS, ~1,000 msgs)~$25
Azure Table Storage~$3
Custom development & maintenance$5K–$15K+
DIY Monthly Total (before dev cost)~$82
The infrastructure is cheap — the software is the hard part. Azure hosting for all of this runs under $100/month. But building and maintaining 40+ custom panels, AI integration, SMS, email, and compliance archiving? That's a 6–12 month dev project. MortgageTech® gives you all of it for $14/loan — ready the same day you sign up.

4 Why We Can Do More for Less

MortgageTech® isn't cheaper because it does less. It costs less because of architectural decisions that eliminate the overhead other vendors pass on to you:

Transparency matters. We show you the actual Azure costs because they're negligible. The value is in the software, not the infrastructure markup. Other vendors charge $75–$150/seat because they're running expensive infrastructure and passing the bill — plus margin — to you.

5 Getting Started

Deployment is fast — most lenders are live within a single business day:

No implementation project. No 6-month rollout. No consultants. You're running a modern, AI-powered processing workbook inside Encompass the same day you sign up. If it's not working for you, cancel anytime — no penalties, no termination fees.