LoanBeam Pricing and Cost for Lenders

LoanBeam has no public price. LoanLogics, which owns LoanBeam, lists four ways to buy it (per-file pricing, a monthly subscription, enterprise licensing with unlimited access, and custom packages) and puts a dollar figure on none of them. Every LoanBeam cost comes from a sales quote, and the quote depends on which of the three LoanBeam products you buy, your file volume and how deeply it connects to your loan origination system.

That makes LoanBeam hard to put next to the other income tools on a budget sheet. This article sets out what LoanLogics actually publishes, what the free Fannie Mae and Freddie Mac calculators cover, what the closest competitors charge, and the questions that turn a vague quote into a cost per loan. If you are still choosing a vendor, our comparison of LoanBeam alternatives and competitors puts it next to IncomeXpert, Ocrolus and the agency tools.

LoanBeam pricing at a glance

How much does LoanBeam cost?

LoanBeam costs whatever LoanLogics quotes for your volume and setup, because no list price exists. The billing unit is the useful part: smaller lenders and pilots are steered to per-file pricing, steady originators to a monthly subscription, and aggregators and investors to an enterprise license with unlimited access. Earlier trade coverage of LoanBeam's income calculation service described it as priced per application, which matches the per-file model still offered today.

Two practical consequences follow. First, a per-file price only means something once you know what counts as a file. Ask whether a borrower with two businesses, four years of returns and twelve months of statements is one file or several, and whether a re-run after new documents arrive is billed again. Second, the subscription and enterprise options usually carry a commitment. Ask for the minimum term, the monthly floor and what happens to unused volume before you compare any of them with a flat monthly tool.

Which LoanBeam product is in the quote?

LoanLogics sells three things under the LoanBeam name, and they are priced differently because they do different amounts of work.

• LoanBeam Income. Income extraction and calculation for QM and non-QM loans. This is the original LoanBeam product, the one behind the Freddie Mac automated income assessment work and the Fannie Mae Income Calculator integration LoanLogics announced in October 2024.
• LoanBeam Processing Automation. LoanBeam Income combined with LoanLogics' IDEA document processing and its ConstantQC inline quality control, to validate income documents, flag exceptions and package delivery-ready files. It is aimed at originators, sellers and investors, and it is the product page where the four pricing models appear.
• LoanBeam NQM. A bank statement income calculator for non-QM programs. LoanLogics says it applies investor-specific income rules, flags NSF activity and large deposits, logs every adjustment, and reaches 99 percent plus accuracy with human-in-the-loop validation.

Human review is worth a question of its own. When a product promises validated results through people checking the machine's output, that labor sits somewhere in the price, and turnaround depends on it. Ask how long a typical file takes to come back and whether rush files cost more.

What you pay for beyond the license

The license is rarely the whole bill. LoanLogics describes a six-step rollout: assessment, configuration of rules, integration with your LOS and document systems, training, launch and optimization, with most organizations live within 45 to 60 days. Ask whether implementation is billed separately, who configures investor overlays, and whether an Encompass or other LOS connector costs extra. For the NQM calculator, LoanLogics also offers a drag-and-drop dashboard for lenders that want to start without an integration, which can shorten the path to a first file if you are testing it on a handful of loans.

Then count your own time. Someone has to own the project, map the income worksheets your underwriters use today to the new output, and keep watching quality through the first months. For a lender closing a few dozen loans a month, that internal effort can outweigh the software fee.

Is there a free alternative to LoanBeam?

Partly. Fannie Mae states that it does not charge a fee for its Income Calculator, which calculates income from wages, self-employment, business ownership and rental property, does not require Desktop Underwriter, and gives lenders relief from enforcement of representations and warranties on the accuracy of the income calculation. Freddie Mac also offers a free online Income Calculator for its sellers.

What the free tools do not do is read the documents. Someone has to key tax return figures in, or a service provider has to extract them and hand back a data file. That extraction is exactly what LoanBeam, Ocrolus and similar tools sell. So the real comparison for a conforming lender is not LoanBeam against free; it is the fee for automated extraction against the processor hours spent typing returns into the agency calculator.

What LoanBeam competitors charge

Note the IncomeXpert row. The directory figure is per user per month, while Blueprint's own site says IncomeXpert is priced per loan, with annual plans that charge an account access fee once a year and monthly plans invoiced for usage. The two descriptions do not match, so get the billing unit in writing. Our page on Ocrolus pricing covers the other quote-only competitor in more detail.

How to turn a LoanBeam quote into a cost per loan

Put every quote on the same basis: total annual cost, including implementation and integration, divided by the loans you expect to run through it. Then compare that number with what the loan earns. The Mortgage Bankers Association reported that independent mortgage banks made an average pre-tax production profit of $1,201 per loan originated in the third quarter of 2025. As an illustration only, a tool that works out to $25 per loan uses about 2 percent of that profit, and one that works out to $100 per loan uses about 8 percent. Neither figure is a LoanBeam price; they show how quickly per-file fees matter on thin margins.

If the business case has to go to a pricing or technology committee, it helps to show the math rather than describe it. Put the cost per loan, the processor hours saved and the repurchase exposure on one page, and a presentation maker that turns a report into slides will get it in front of the committee without an evening in PowerPoint.

Questions to ask LoanLogics before you sign

• Which LoanBeam product is quoted: Income, Processing Automation or NQM?
• What counts as a billable file, and is a re-run after new documents billed again?
• Is there a minimum term, a monthly floor or a volume commitment?
• Is implementation, LOS integration or training billed separately?
• Which income types and forms are covered: Schedule C, E and F, 1120S, 1065 and K-1s, rental income, bank statement programs?
• What is the turnaround on a typical file, and does human review change it?
• Which agency programs give rep and warrant relief on the output, and for which loan types?

Is LoanBeam worth it for your lender?

For a conforming lender with steady self-employed volume and real repurchase exposure, LoanBeam's agency pedigree is worth paying for, and the quote is worth getting. It is a harder case for a broker, a small non-QM shop, or a private or business lender whose loans never go to Fannie Mae or Freddie Mac. Those teams need income and cash flow from bank statements and tax returns quickly, and agency relief does nothing for them. For that work, non-QM underwriting software and tax return analysis software that price from $99 a month get you to a number the same day. If your files are mostly twelve and twenty-four month statement programs, the bank statement loan underwriting workflow computes the deposits, transfers and average balances behind qualifying income. The fastest test is to upload one real file at the top of this page and compare the output with what your team produces by hand today.