Process more loans,
with fewer tools.
Lead capture, application tracking, document verification, invoicing, and borrower dashboards — one platform, $20/mo flat. No per-loan-officer fees, no bolt-on compliance modules.
Everything you need. Nothing you don't.
Lead Capture & Pipeline
Capture borrower leads from your website, referral partners, and web forms. Auto-assign by loan type or territory, score by engagement, and track every application through your custom pipeline stages.
ID & Document Verification
Built-in identity verification and document validation. Verify borrower IDs, income documents, and supporting paperwork directly within the platform — no third-party verification tool needed.
Borrower-Facing Dashboard
Give borrowers their own portal to track application status, upload documents, view required items, and see loan milestones — so they stop calling your office for updates.
Invoicing & Payment Tracking
Generate fee schedules, origination invoices, and payment receipts. Track processing fees, connect Stripe for online payments, and automate recurring billing for serviced loans.
AI-Powered Assistance
Platform AI helps draft borrower communications, generate follow-up emails, enrich lead data, and surface smart recommendations — included free on every plan.
Email Campaigns & Nurture Sequences
Send rate update emails, refinance campaigns, and application follow-ups. Build drip sequences for pre-qualified leads and track opens, clicks, and conversions.
Scheduling & Calendar
Replace Calendly with built-in scheduling. Let borrowers book consultations, document review appointments, and closings directly. Syncs with Google Calendar.
Employee & Contractor Management
Manage loan officers, processors, and underwriters. Track hours, manage assignments, post job openings on built-in job boards, and handle employee records.
Website & Lead Analytics
Manage your loan office website, track which pages generate applications, analyze traffic sources, and optimize your online presence — all from one dashboard.
Up and running in minutes.
Sign up free
No credit card required. Get instant access to lead management, application tracking, document verification, invoicing, and AI.
Configure your pipeline
Set up loan types, application stages, document checklists, fee schedules, and team assignments. Import existing borrower data via CSV.
Start processing
Capture leads, verify documents, track applications, send borrower updates, and collect payments — all from day one.
Stop overpaying for less.
| OpenAva | Encompass | Salesforce | Jungo | Zoho | |
|---|---|---|---|---|---|
| Price (5 officers) | $20/mo | $500+/mo | $375+/mo | $275/mo | $180/mo |
| Unlimited users | ✓ | ✕ | ✕ | ✕ | ✕ |
| ID verification | ✓ | ✕ | ✕ | ✕ | ✕ |
| Borrower portal | ✓ | ✓ | ✕ | ✕ | ✕ |
| Built-in invoicing | ✓ | ✕ | ✕ | ✕ | ✓ |
| AI included free | ✓ | ✕ | ✕ | ✕ | ✕ |
| Email sequences | ✓ | ✕ | ✓ | ✓ | ✓ |
| Scheduling built-in | ✓ | ✕ | ✕ | ✕ | ✕ |
Transparent. No surprises.
Flat monthly fee for Agency OS, unlimited users on paid plans, and transparent usage-based add-ons for websites, social, voice, storage, and API usage.
Explore Agency OS for client sites, approvals, and social. No credit card.
- ✓ Up to 3 users
- ✓ 500 client records
- ✓ Platform AI (25K tokens)
- ✓ Agency modules accessible
- ✓ BYOK AI keys
For agencies managing client websites, social, approvals, and deployments.
- ✓ Unlimited users
- ✓ 25,000 client records
- ✓ Website workflows
- ✓ Social planning & auto-posting
- ✓ Client portals and approvals
- ✓ BYOK AI keys
For agencies scaling client operations, usage volume, and governance.
- ✓ Everything in Plus
- ✓ 500,000 client records
- ✓ AI Assistant (advanced)
- ✓ Audit export & compliance
- ✓ Priority agency support
- ✓ Unlimited phone numbers
Founder's Rate — 40% off, locked forever
Our first 10 clients get Plus at $12/mo or Enterprise at $90/mo — locked for life.
Know exactly what grows as your agency grows.
Core plans stay flat and unlimited users stay included on paid plans. Website hosting, social publishing, storage, voice, API usage, and other usage-based services are priced in public before you connect anything.
Plan and publish client content when campaigns are active, then pay only for additional posts.
Connect pages and profiles across Facebook, Instagram, LinkedIn, X, Pinterest, and Bluesky.
Run affordable client websites, staging sites, and Cloudflare-stack deployments.
| Service | Free | Plus | Enterprise | Notes |
|---|---|---|---|---|
| Platform AI | 25K tokens included | 100K tokens included, 2x markup overage | 500K tokens included, 2x markup overage | Hard caps protect spend; paid plans cap usage at 2x-3x monthly limits. |
| Social Media Posts | 10 included, $0.40/post overage | 40 included, $0.30/post overage | 400 included, $0.25/post overage | Plan and auto-post to Facebook, Instagram, LinkedIn personal, LinkedIn pages, X, Pinterest, and Bluesky. |
| Social Accounts | BYOK only, free | Premium one-click connect | Premium one-click connect | $4/mo per social network page or profile connection. Bundles up to 50% off are available through [email protected]. |
| Client Portals | Included for trials | Included for active clients | Included with priority setup | Give clients a branded place to review websites, approve social posts, and request safe content edits. |
| Phone Numbers | $1/number/mo, max 2 | $1/number/mo, max 10 | $1/number/mo, unlimited | Monthly flat rate per provisioned number. |
| Premium Email Campaigns | Not available | $2/1,000 emails, 10K/day and 10K/mo | $1.50/1,000 emails, 20K/day and 20K/mo | Managed infrastructure email for campaigns that need deliverability support. |
| Managed Websites | Not available | $2/website/mo, 5 included | $1/website/mo, unlimited | Client websites, staging sites, and deployments hosted on the Cloudflare stack. |
| Lead Enrichment (Apify) | 20/day | 50/day | 100/day | Per-unit enrichment with hard daily caps. |
| Records | 500 hard cap | 25K included, $2/1,000 overage | 500K included, $1/1,000 overage | Monthly record allowance. |
| API Operations | 10K hard cap | 250K included, $1/10K overage | 1M included, $0.50/10K overage | Monthly API operation allowance. |
| Storage | 100 MB | 2 GB | 20 GB | File attachments and documents. |
Minute rates stay visible, with caps by plan.
Rates are based on Twilio's approximate $0.01/min base cost and may vary by carrier, region, and routing.
| Usage | Free | Plus | Enterprise |
|---|---|---|---|
| Inbound calls | ~$0.022/min | ~$0.018/min | ~$0.015/min |
| Outbound calls | ~$0.031/min | ~$0.025/min | ~$0.021/min |
| Monthly spending cap | $10 fixed | $50 adjustable | $200 adjustable |
Want bundled social connection or agency website pricing? Contact [email protected] for volume discounts up to 50%.
Frequently asked questions.
Can OpenAva replace our loan origination system?
OpenAva is an all-in-one operating system that handles lead management, application tracking, document verification, invoicing, borrower portals, and marketing. It can replace or supplement your existing LOS depending on your regulatory requirements.
Does OpenAva verify borrower identity?
Yes. OpenAva includes built-in ID and document verification. Verify government-issued IDs, income documents, and supporting paperwork directly within the platform.
Can borrowers track their application status?
Yes. Each borrower gets a client-facing dashboard where they can see application progress, upload required documents, view milestones, and check next steps — without calling your office.
How does AI help with loan processing?
Platform AI is included free on every plan. It drafts borrower communications, generates follow-up emails, enriches lead data, and provides smart recommendations to help your team work faster.
Can I send rate update emails and marketing campaigns?
Yes. Built-in email campaigns, drip sequences, contact lists, and lead scoring let you nurture pre-qualified leads and send rate updates, refinance offers, and follow-up sequences.
Is OpenAva available in Spanish?
Yes. OpenAva is fully bilingual with complete English and Spanish support — ideal for loan offices serving Hispanic communities and diverse borrower populations.
Launch client work.
Keep the margin.
Websites, staging, Cloudflare deploys, social publishing, client approvals, and BYOK AI. $20/month flat with unlimited users on paid plans.