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Custom AI agentsWe build and run an agent for one jobPricingAboutBlogTen AI tools an independent mortgage broker or loan officer can use in 2026, from the loan origination system and document checks to CRM, client retention and AI phone answering, with prices read on each vendor page and one honest limit for each.
Checked October 26, 2026. Prices were read on each vendor's own pricing page. Several (Total Expert, Shape, Encompass and Finmo's plan) do not publish prices; we say so. Prices change: re-check before you buy. Dooza Crew is our product and our top pick for independent brokers; we say why, and where the others fit better.
Our top pick for an independent mortgage broker or small brokerage is Dooza Crew: AI employees that chase borrower documents, follow up on leads and answer the phone, $49 a month for the whole organization, and it asks before it sends anything. For the loan file, look at ARIVE in the US or Finmo in Canada. For a CRM with AI calling and texting, Shape; for a larger lender, Total Expert. To keep past clients coming back, Homebot. For calls, Smith.ai or Dialzara. For call notes, Fathom has a free plan.
The last Fannie Mae Mortgage Lender Sentiment Survey on the topic found that few lenders had AI running at full scale. As the Mortgage Bankers Association reported it, "Significantly fewer lenders–7%–indicated they've deployed the technology in 2023 than in 2018 (14%)." But Fannie Mae added: "Notably, a significantly greater share in 2023 (22%) did indicate that they've started deploying AI/ML on a limited or trial basis compared to 2018 (13%)".
That survey is from 2023 and covers lenders, not brokers. Since then, AI has moved into the tools brokers already use: the loan origination system, the CRM and the phone. That is where the list below starts.
| Tool | What the AI does | Price (vendor page, Oct 26) | Free option |
|---|---|---|---|
| Dooza Crew (ours, top pick) | AI employees that chase documents, follow up on leads, fill forms; takes phone calls | $49/mo per organization, unlimited users and agents, AI usage included | 7 days free (card required) |
| ARIVE | Broker LOS, POS and pricing engine; AI underwriting agent described by ARIVE | Core $49.99/user/mo billed yearly; Pro $69.99 | Free trial, no setup or onboarding fees |
| Finmo (Lendesk) | AI down payment and income verification (Canada) | Finmo AI free through Dec 31, 2026; plan price not published | Finmo AI free through 2026 |
| Total Expert | AI Sales Assistant that nurtures and qualifies leads by voice | Not published (contact sales) | Not stated |
| Shape | AI CRM: lead scoring, AI calling and texting | Not published (per-user pricing) | Free demo |
| Homebot | Client retention with AI-driven insights | Starter $125/mo + one-time $100 setup fee | Not stated |
| Encompass (ICE) | Lender LOS positioned as a foundation for AI | Not published (contact sales) | Not stated |
| Fathom | AI notes and summaries for borrower and partner calls | Premium $20/mo per user ($16 billed annually) | Free forever plan |
| Smith.ai | AI Receptionist: 24/7 answering and lead qualification | Free 25 calls/mo; Pro $150/mo | Free plan |
| Dialzara | Budget AI receptionist | From $29/mo (60 minutes) | 7-day free trial |
Crew gives a mortgage brokerage AI employees, each with its own computer and browser and its own job. They work around the clock, work with you and your processors in one chat, and pass work to each other. They work in the web-based tools you log in to with a browser. Before it sends an email or clicks Send, Submit or Pay, it asks you to Approve, Edit or Reject.
A few jobs you could give it:
Try Dooza Crew free for 7 days.
ARIVE is a loan origination system, point of sale and pricing engine in one, sold by the seat. Its Originator Seat "Offers full access to core LOS, POS, and PPE features, plus unlimited pricing requests, for NMLS-licensed loan officers." On AI, ARIVE's own careers posting says "ARIVE AI brings agents into the core of the platform - built in, not bolted on." Its underwriting agent produces "findings, checklists, and conditions that surface eligibility issues and documentation gaps."
Finmo is a broker point of sale and submission platform in Canada. Lendesk says "Finmo AI verifies down payment and income documents in just a few clicks." You can "Run AI down payment verification on the deals you choose and pay only for the files you verify."
Total Expert is a CRM and marketing platform for lenders and credit unions. It says "Total Expert's AI Sales Assistant is trained specifically on mortgage use cases and conversations, so it works the way mortgage teams do." It "proactively nurtures leads, qualifies prospects, and moves opportunities forward through compliant, human-like voice interactions." It also lists an AI Scenario Assistant and an AI SMS Assistant.
Shape calls itself "The AI CRM your business has been waiting for." and lists mortgage and loan officers among its industries. AI features include lead scoring powered by ShapeIQ, AI calling, AI texting and AI insights that score every call.
Homebot sends past clients regular updates on their home and loan, and promises "industry-leading engagement rates, AI-driven insights, and tools to strengthen relationships". Plans include nationwide home search and one agent co-sponsorship.
Encompass is the loan origination system many lenders run. ICE says it is "designed to support the AI-native mortgage, with the data integrity, governance and workflow structure to move faster without cutting corners." and that it helps teams "save time on document collection, loan data verification and quality checks".
Fathom records calls and writes the summary, with "Unlimited recordings + transcriptions" on the free plan. Useful for realtor partner calls and team meetings.
Smith.ai offers "an AI Receptionist you can train, test, and trust to handle your calls professionally", with 24/7 AI call answering, recording, transcription and summaries, and lead qualification.
Dialzara answers inbound calls with AI, so a borrower or realtor who calls while you are on another call still reaches someone.
Want AI employees for the office work? Try Dooza Crew free for 7 days, or read best AI tools for small business.
For an independent broker or small brokerage, our top pick is Dooza Crew (our product): AI employees for the office work, such as chasing borrower documents, following up on leads and answering the phone, each with its own computer and browser, for $49 a month for the whole organization after a 7-day free trial. It asks before it sends anything. For the loan file itself, look at ARIVE (US) or Finmo (Canada); for a CRM with AI, Shape or Total Expert; for keeping past clients, Homebot; for calls, Smith.ai or Dialzara.
Fewer than you might think, at least in the last Fannie Mae survey on the topic. As reported by the Mortgage Bankers Association, only 7% of lenders said they had deployed AI/ML in 2023, while 22% said they had started deploying it on a limited or trial basis. That survey is from 2023; newer tools have arrived since.
Not on its own in the tools here. ARIVE describes an underwriting agent that produces pre-underwrite findings, checklists and conditions, and Finmo AI verifies down payment and income documents, but credit decisions, disclosures, rate quotes and approvals stay with you, your licensed loan officers and the lender. Dooza Crew does none of these; it gathers, sorts and drafts.
Yes. Fathom has a free forever plan for call notes. Smith.ai has a free AI Receptionist plan with 25 calls a month ($3.00 per call after that). Finmo AI is free through December 31, 2026 for Finmo users. For trials: Dialzara 7 days, Dooza Crew 7 days (card required), and ARIVE offers a free trial with no setup or onboarding fees.
Dialzara starts at $29 a month for 60 minutes. Smith.ai's AI Receptionist is free for 25 calls a month, then Pro is $150 a month. Smith.ai's human receptionists start at $300 a month for 30 calls. Dooza Crew agents take phone calls too, included in the $49 a month plan.
Only with care. Borrower files hold income, assets and identity documents. Check what each tool stores and who can see it, decide which tools are approved for borrower data, and have a licensed person review anything AI writes before it reaches a borrower or a lender.
A lead AI agent plus helper agents that browse the web, write files and ask you before they send or pay. 7-day free trial (card required), then $49/month with AI usage included and a hard spending cap.
Ten AI tools an independent agency can use in 2026, from AI receptionists to AI inside your AMS, with prices read on each vendor page, who each fits, and one honest limit for each.
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Got busywork? Dooza it.
Try Dooza Crew, AI agents that do your busywork: 7-day free trial (card required), then $49/month with AI usage included and a hard spending cap. Want a custom agent built for you instead? A Dooza engineer scopes it on a free 30-minute call and it starts as a refundable pilot. See pricing.
Crew: 7-day free trial · Custom agents: refundable pilot, 100% refund within 14 days
Dooza builds AI products and services for small businesses. Custom Dooza agents start with a refundable pilot: 100% refund within 14 days.
Or start now: Dooza Crew, AI employees you chat with from web or phone, watching every step live in chat: free for 7 days, then $49 a month for your whole organization (unlimited users and agents, no per-seat fee) with AI usage included and a hard spending cap. Want it done for you instead? Dooza Managed, $200/month.