Loan origination software pricing varies widely depending on the size of your operation, loan volume, feature requirements, and deployment model. Whether you're a small broker, a mid-sized credit union, or an enterprise lender, understanding how LOS platforms are priced—and what you’re actually paying for—is critical for choosing the right technology and budgeting appropriately.
From SaaS models to on-premise deployments, LOS pricing structures are evolving to reflect the growing demand for automation, compliance tools, and digital borrower experiences. Let’s break down the pricing models, key cost factors, and ROI considerations for loan origination software.
This is the most common model for modern LOS platforms. Lenders pay a monthly or annual fee based on the number of users, branches, or funded loans. SaaS pricing typically includes hosting, support, and ongoing updates.
Some vendors charge per loan originated—ideal for brokers or lenders with variable monthly volume. This aligns cost directly with production but can be expensive at higher volumes.
Vendors may offer pricing tiers based on loan types (e.g., mortgage, personal, commercial) or features (e.g., eSign, credit pulls, compliance modules). This allows for customization but adds complexity to budgeting.
Enterprise lenders may opt for a perpetual license model with upfront software costs and an annual maintenance fee. This offers more control but requires IT infrastructure and longer implementation timelines.
Most platforms price based on how many users (loan officers, processors, admins) need access. Role-based pricing is also common—for example, charging less for read-only or support users.
Some SaaS platforms adjust pricing tiers based on monthly funded volume or application intake, which scales with your production size.
Add-ons like eSign, automated disclosures, credit integrations, pricing engines, or AI underwriting can significantly affect monthly costs.
White-glove onboarding, API access, custom development, and dedicated success managers may be included or priced separately based on vendor.
Advanced compliance modules—HMDA, TRID tracking, audit trail reporting—may be bundled or billed separately depending on vendor structure.
- $150–$500/month for SaaS LOS with basic workflows - Or $50–$100 per closed loan on pay-per-loan platforms
- $500–$2,000/month base - Additional costs for users, integrations, or volume tiers
- $5,000+/month SaaS plans or six-figure perpetual licenses - Includes custom modules, API access, and enterprise support
A modern LOS reduces manual data entry, minimizes loan defects, and shortens closing timelines—saving hours per file and reducing headcount needs.
Automated workflows and digital borrower portals help close loans faster, improving cash flow and borrower satisfaction.
Built-in audit logs and disclosure tracking reduce the risk of costly regulatory fines or investor repurchase demands.
Speed and digital UX mean more borrowers complete the process, improving conversion and increasing revenue per application.
Loan origination software pricing isn’t one-size-fits-all. It depends on your organization’s size, needs, and growth trajectory. By understanding the pricing models, key cost drivers, and how LOS platforms deliver ROI, lenders can choose a solution that fits their budget and supports long-term success. Investing in the right LOS means fewer bottlenecks, faster closings, and a more scalable lending operation.