Every review site quotes Floify at $79 per user per month. Floify publishes no price on its own site, and its Lender Edition bills per loan rather than per seat. LenderAnalyzer is independent and not affiliated with Floify.
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Floify is a mortgage point of sale and borrower document collection platform, and it is one of the better rated products in the category: 4.8 out of 5 across 74 reviews on both Capterra and Software Advice, with customer support scoring 4.90. If you are pricing it today you have probably already found the number every directory shows, which is $79 per user per month.
That number is real, but it describes only one of the two products Floify sells. Floify's own pricing page publishes no figure at all and routes you to a demo request. More importantly, when Floify introduced its Lender Edition it moved that product to per loan pricing, not per seat. A lender who budgets $79 multiplied by headcount is modeling the wrong billing basis entirely, and will not find that out until the quote arrives.
This page sets out what is actually published, who publishes it, where the directories disagree with each other, and what the surrounding market charges so you have something to measure a Floify quote against. All figures were read directly from Capterra, Software Advice, GetApp, Floify's own site and LendingPad's published rate card in September 2026. Where a number is a directory listing rather than a vendor rate card, it says so.
Figures verified September 2026. Directory listings and vendor rate cards are labeled separately throughout, because in this category they frequently disagree, and the difference decides whether your budget is right.
Capterra, Software Advice and GetApp all show Floify starting at $79 per user per month, and all three agree on the figure, which is more consistency than this category usually offers. What none of them shows is a second tier, a volume break or an annual discount, because Floify does not publish one. Floify's own pricing page carries no numbers whatsoever. It describes a Lender Edition and a Broker Edition and asks you to schedule a demo. So the $79 is best read as an entry point that a directory captured at some moment, not as a rate you can hold Floify to. Treat it as the floor of a conversation rather than the price.
This is the finding that matters most and the one no competing pricing page mentions. When Floify launched Lender Edition it described the product as introducing a flexible per loan pricing option for mortgage lenders. Per loan is a fundamentally different basis from per seat. A twelve person lending team modeling $79 per user arrives at roughly $948 a month. The same team funding 60 loans a month on a per loan basis is in a completely different budget conversation, and whether it is cheaper depends entirely on loans closed per head. High volume per processor favors per seat. Low volume per processor favors per loan. Floify does not publish the per loan rate, so you cannot run that comparison without a quote, but you can at least walk into the call knowing which question to ask.
Floify sells Broker Edition, configured for mortgage brokers, and Lender Edition, built for lenders who need to support a borrower experience while controlling cost per file. The directories collapse both into one $79 per user listing. If you are a broker, the per seat figure is probably roughly indicative. If you are a lender, it is not the product you are buying. Ask which edition a quote covers before you compare it with anything, because a Broker Edition quote and a Lender Edition quote are not measuring the same thing.
GetApp's listing shows a free version available. Capterra and Software Advice both show no free version, with only a free trial. All three sit under the same corporate parent and pull from overlapping data, yet they disagree on a plain yes or no availability field. This is the tenth product where we have found the same class of conflict on GetApp's availability fields, after LendingWise, Mortgage Automator, The Mortgage Office, LendingPad, Provenir, MoneyThumb and Calyx Point among others. The practical rule: never shortlist on a directory availability field alone. Check two directories, and when they disagree, believe the vendor. Floify offers a trial. It does not offer a free tier.
Floify scores 4.8 out of 5 from 74 reviews, with ease of use 4.73, value for money 4.77, customer support 4.90 and functionality 4.71. Support being the highest sub-score is unusual and worth weighting, because support is where most mortgage software disappoints. The consistent praise is document collection itself: automated reminders that chase borrowers without staff intervention, and borrowers uploading from home instead of emailing files. The recurring complaints are a real learning curve at setup, a mobile app that lacks parity with the web version, a limit that frustrates files with more than two borrowers, and at least one broker who objected that Floify marketed insurance services to their clients without consent. Price appears in the cons too, with one reviewer calling it a luxury tool for a small shop.
LendingPad is the one vendor in this space that publishes a genuine rate card, and it is the best available yardstick. It prices brokers at $40 to $100 per user per month and lenders at a success linked flat cost of $100 to $200 per closed loan. It also publishes the terms most vendors hide: a 12 month minimum for brokers with annual billing required at five users or fewer, 36 to 60 month minimums for lenders, 36 to 72 months for institutions, and setup fees based on complexity that are not refundable. Read against that, Floify's $79 per user sits inside the normal broker band, and the per loan Lender Edition sits in a model the category clearly recognizes. The contract length is the number that should worry you more than the monthly rate.
Floify is very good at the job it does, which is getting documents out of borrowers and into an organized file. It is not an analysis engine. Once the bank statements, pay stubs and tax returns are collected, somebody still has to read them, compute income, spot the transfers that inflate deposits and produce a cash flow picture a credit decision can rest on. That is a separate line item and a separate product, and it is where LenderAnalyzer fits: it takes the documents a system like Floify collects and turns them into computed income, cash flow and risk output. The two are complements rather than competitors, and a budget that funds collection while leaving analysis manual has only moved the bottleneck.
Vendor rate cards and directory listings, labeled separately, because in this category they disagree. Ratings and review counts from Capterra. Figures verified September 2026.
Swipe sideways to see the full comparison
| Vendor | Published entry price | Billing basis | Rating and reviews |
|---|---|---|---|
| LenderAnalyzer This page | From $99 a month, published, self-serve signup, with volume and enterprise tiers | Monthly document allowance, not per seat and not per closed loan | Not listed on the major directories yet |
| Floify | $79 per user per month on the directories. Floify itself publishes no price | Per user for Broker Edition. Lender Edition is priced per loan | 4.8 from 74 reviews |
| BNTouch Mortgage CRM | $95 per user per month on Capterra, $165 a month for the Individual plan plus a $125 activation fee | Per user, with activation fees per seat | 4.5 from 98 reviews |
| LendingWise | $149 per user per month, directory listing only, the vendor publishes no rate card | Per user | 4.6 from 72 reviews |
| LendingPad | $40 to $100 per user per month for brokers, $100 to $200 per closed loan for lenders | Per user for brokers, per closed loan for lenders, 12 to 72 month minimums | 134 reviews, 87 percent positive sentiment |
| MortgageHalo | $417 per month | Per user | 4.4 from 49 reviews |
| Baseline | $995 a month Essential, $1,995 a month Growth | Flat platform fee, not per seat | 4.9 from 10 reviews |
| HES LoanBox | $75,000 a year, roughly $6,250 a month | Annual platform license | 4.9 from 36 reviews |
| Mortgage Automator | No published price, quote only | Quoted per lender | 4.9 from 116 reviews |
| The Mortgage Office | No published price, modular | Priced per module | 4.8 from 288 reviews |
Comparison compiled by LenderAnalyzer from public vendor materials; see the date noted above each table. Competitor names are trademarks of their respective owners; figures may change, so verify current details with each vendor.
Computed deterministically from every extracted transaction, every figure traceable to its source line.
Computed across the full statement period, carried forward day by day.
Deposits vs withdrawals and net flow, broken down month by month.
Every insufficient-funds and overdraft incident counted, with fees totaled.
Recurring deposits grouped into income streams with estimated monthly amounts.
Debits to other lenders and funders detected and totaled per month.
Days below zero across the period, a direct stress signal.
The biggest credits with dates and sources, concentration flagged.
Automatic red and yellow flags your analysts can review in seconds.
Drop in PDFs, scans or photos, one statement or a multi-month package, from any bank.
Every transaction is extracted, then cash flow, balances, income streams, NSF activity and debt payments are computed.
Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.
28 lending document types extracted out of the box, build the complete picture of an applicant's financial situation.
Common questions from lending and credit teams.
Floify is listed at $79 per user per month on Capterra, Software Advice and GetApp. Floify does not publish that figure, or any figure, on its own pricing page, which routes you to a demo request instead. The Lender Edition is priced per loan rather than per user, so a lender quote will not follow the $79 per seat math at all.
Both, depending on which edition you buy. Broker Edition is the per user product that the directories list at $79 per user per month. Lender Edition was introduced with flexible per loan pricing for mortgage lenders. Confirm which edition a quote covers before you compare it with another vendor, because the two are not measuring the same unit.
Yes. Capterra, Software Advice and GetApp all show a free trial available. There is no free version despite what one of those listings says: GetApp shows a free version available while Capterra and Software Advice both show none. The vendor offers a trial and a demo, not a permanently free tier.
No. Floify has no free plan. GetApp's listing shows a free version as available, but Capterra and Software Advice both show none, and Floify markets a trial and a scheduled demo rather than a free tier. If a free version matters to your shortlist, verify it on the call rather than trusting the directory field.
Broker Edition is configured for mortgage brokers and is the per seat product. Lender Edition is aimed at mortgage lenders who need to support borrower experience while controlling production cost, and it introduced per loan pricing. The practical difference for a buyer is the billing basis: seats for brokers, funded loans for lenders.
Reviewers rate value for money 4.77 out of 5 across 74 reviews, and customer support 4.90, which is the highest of its sub-scores. The recurring criticism is that it is expensive for a very small shop, with one reviewer calling it a luxury tool. It is strong at document collection specifically. If your bottleneck is analyzing the documents rather than gathering them, it solves the wrong half of the problem.
The platforms most often shortlisted against Floify are LendingPad, BNTouch Mortgage CRM, LendingWise, Mortgage Automator, The Mortgage Office, Encompass and Shape. For borrower facing document collection the closest matches are LendingPad and Shape. If what you actually need is analysis of the collected documents rather than collection itself, that is a different category and LenderAnalyzer sits in it.
Not on its own. Floify is a point of sale and document collection layer that sits in front of an origination system, which is why it is commonly deployed alongside Encompass or a similar LOS rather than instead of one. Some buyers do run it as their primary broker platform, but a lender processing files end to end will normally still need an LOS behind it.
Floify scores 4.8 out of 5 from 74 reviews on both Capterra and Software Advice, which agree exactly on rating and count. Sub-scores are ease of use 4.73, value for money 4.77, customer support 4.90 and functionality 4.71. Praise concentrates on automated borrower document chasing. Complaints concentrate on the setup learning curve, mobile app parity and a two borrower limit per file.
Yes, Floify offers an API and publishes API documentation, and integrations are one of the buying questions its own audience searches most. If you plan to push collected documents into a downstream analysis or decisioning system, ask specifically about document retrieval and webhook events rather than just whether an API exists.
How credit teams run these calculations by hand, so you can see exactly what the software automates.
What the category charges per user, per loan and per month, with published rate cards.
The one competitor that publishes a full rate card, compared honestly.
The desktop LOS many Floify users sit alongside, and what replacing it costs.
What happens to the documents after a point of sale platform collects them.
The analysis layer that turns collected borrower documents into a credit decision.
Computed income and cash flow from the statements your borrowers upload.
Verifying pay stubs and deposits once the borrower file is complete.
The origination systems that sit behind a broker point of sale.
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