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Pricing

Simple Pricing.
No Surprises.

Start free. Upgrade when you need it. Every plan includes the full AI engine — no feature gating on core underwriting.

14-day free trial on paid plans · Cancel anytime · No credit card required to start

Starter

Free

No credit card required

For brokers just getting started. Full platform access, zero commitment.

1 active loan pipeline
AI underwriting assistant (5 pulls/mo)
Borrower portal (1 user)
Standard document upload
Email support
Bulk pipelines
Team seats
API access
Priority onboarding
Most Popular

Broker

$99/mo

per month, billed monthly

The full platform for solo brokers and small shops closing 5–20 loans/month.

Unlimited active pipelines
AI underwriting (unlimited)
Neural OCR document verification
Borrower portal (unlimited borrowers)
CRM + AI email campaigns
Compliance engine (ATR, HMDA, state regs)
MISMO 3.4 export
AUS findings (DU/LP)
eSign (in-house, no per-envelope fee)
Priority email + chat support
Team seats
White-label branding
API access

Team

$349/mo

per month, up to 5 seats

For growing brokerages with multiple LOs. Shared pipeline, unified reporting.

Everything in Broker
Up to 5 LO seats ($49/seat after)
Shared pipeline dashboard
White-label borrower portal
Team performance reports
Webhook + Zapier integration
Dedicated onboarding call
Phone + priority support
Custom API SLA
Dedicated CSM

Enterprise

Custom

volume pricing available

For large brokerages, aggregators, and tech partners. Let's build something together.

Everything in Team
Unlimited seats
Custom API SLA + raw data access
Dedicated customer success manager
Custom integrations (Encompass, LendingPad)
SSO / SAML
Audit log export
NDA + custom DPA
SLA uptime guarantee (99.9%)

Pass-Through Vendor Costs

Third-party costs (credit pulls ~$15–35/tri-merge, Plaid bank income reports, recording fees) are billed at actual cost with zero markup. They appear as separate line items on your monthly invoice so you always know exactly what you paid.

Frequently Asked Questions

What counts as a "loan pull" on the Starter plan?

A pull is any time Unified Loan System's AI engine analyzes a full 1003 + document set against underwriting guidelines. Uploading documents alone does not count.

Does the free trial require a credit card?

No. You can start a 14-day Broker or Team trial with just your email and NMLS number. Card is only required if you choose to continue.

Can I switch plans mid-cycle?

Yes. Upgrades take effect immediately and are prorated. Downgrades take effect at the start of your next billing cycle.

How does eSign pricing work?

All paid plans include unlimited in-house eSign envelopes at no per-envelope fee. We use our own PAdES-compliant signing infrastructure — no DocuSign markup.

Are metered pass-through costs included?

Credit pulls, Plaid bank income reports, and other third-party vendor costs are billed at cost with no markup. You'll see itemized charges on your invoice.

What happens when I close my first real loan?

Nothing changes automatically. You stay on your plan. When you're ready to scale, our team is here to help you optimize.

Ready to Get Started?

Join brokers already closing faster on Unified Loan System. No lock-in, no setup fee.

    Pricing — Unified Loan System