How Much Does Mortgage Coach Cost?

Short answer: Mortgage Coach does not publish its pricing.

There is no price on their website. To find out what it costs, you book a demo and get a quote.

The figure loan officers commonly report is around $150/mo per user. That number comes from loan officers who have gone through the quoting process and from third-party comparisons. It is not an official Mortgage Coach price, and this page will not present it as one. Your quote may land higher or lower depending on team size and contract terms.

For comparison, Loan Officer Tools publishes its price on the site: $29.99/mo, or $249.99/yr on the annual plan. No demo required to find out.

Why the price is what it is

Mortgage Coach is built and sold as enterprise software, and the pricing follows from that.

• Sales-led buying. Demos, quotes, and contracts instead of a public price and a checkout page.
• Deep integrations. It runs natively inside Encompass and connects with Optimal Blue, which large lenders require and smaller shops often do not use.
• Per-seat licensing. Every loan officer on the platform is another seat on the bill, so the total grows with your team.

None of that is a criticism. For a lender rolling out one presentation standard to 500 loan officers, it is a reasonable way to buy software. It is just an expensive way for a solo loan officer or a five-person team to buy a presentation tool.

The cost math

Annual cost, based on the commonly reported Mortgage Coach price of about $150 per user per month:

Mortgage Coach figures are estimates from the reported per-user price, and actual quotes vary. That is rather the point: you cannot know your number until a salesperson gives it to you. The Loan Officer Tools column is the published price, the same math for every subscriber.

Even on the most generous reading, the gap is roughly $1,440 per loan officer per year. On a team of ten, it is the cost of a part-time assistant.

What $29.99 covers, and what it does not

What Loan Officer Tools covers:

• TCA-style side-by-side comparisons: monthly payment, cash to close, and interest cost over time, in a branded presentation your client opens from a link
• 12 calculators for the scenarios you run every week
• Flash Mode, for an accurate quote built live while the client is still on the phone
• Client-open alerts, so you know the moment your presentation gets read

What it does not cover:

• Native Encompass or Optimal Blue integrations
• Enterprise admin controls and company-wide rollout programs

If your lender mandates Mortgage Coach inside Encompass, this page does not change that. If you choose your own tools, the choice is between a quote you have to ask for and a price you can read.

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