ConditionRail
Pricing · per active loan file

Pay for files on the rail, not seats at the desk.

Priced per active loan file and automation volume. Three plans for brokers, credit unions, and lender operations. Seats are unlimited.

All plans are billed per workspace, per month in USD. Prices are listed in USD and may vary for self-hosted, high-volume, or custom LOS deployments.

  • Plan

    Processing Room

    $249/mo
    • · Up to 75 active loan files
    • · 2,000 document pages / month
    • · Unlimited seats
    Fit

    Independent broker teams or single-branch shops getting off email + PDF chasing.

    • Borrower portal with SMS + email reminders
    • Condition rail with audit log
    • CSV import / export
    • Unlimited processor and LO seats
  • Most teams start here
    Plan

    Lending Floor

    $699/mo
    • · Up to 300 active loan files
    • · 10,000 document pages / month
    • · Unlimited seats
    Fit

    Credit unions and growing brokerages running a coordinated processing floor.

    • Everything in Processing Room
    • Encompass / Calyx Point sync
    • Underwriter packet assembly + LOS write-back
    • Role-based access for LO, processor, UW
  • Plan

    Underwriting Network

    $1799/mo
    • · Up to 1,000 active loan files
    • · Custom document volume
    • · Unlimited seats
    Fit

    Lender operations centralizing multiple branches, with self-hosted support available.

    • Everything in Lending Floor
    • Dedicated implementation manager
    • Self-hosted deployment support
    • Custom retention + audit export

Overage: $0.08 per additional document page beyond the plan's included monthly volume. Overage is billed on the calendar month it accrues.

Which plan fits your shop.

Broker owner
Processing Room

1–10 LOs, evidence collection on email + Calyx. ConditionRail organizes intake and reminders without changing your LOS.

Credit union ops
Lending Floor

Active processing floor on Encompass. ConditionRail mirrors conditions, prepares packets, and writes status back.

Lender operations
Underwriting Network

Multi-branch ops with audit and retention needs. Self-hosted available; custom export on request.

What counts as an active loan file?

A loan file with at least one open condition on the rail during the billing month. Closed and archived files do not count.

How is annual billing discounted?

Annual billing applies a 15% discount to the 12-month total, billed once. Monthly equivalents shown above are calculated from the discounted annual price.

Are seats really unlimited?

Yes. Add as many processors, loan officers, and underwriters as your team needs. Pricing is keyed to files, not desks.

What if I need self-hosted?

Underwriting Network includes self-hosted support. Talk to mortgage ops for deployment scoping.

Start the rail. Pay only for files moving on it.

Create accountTalk to mortgage ops