Pricing

Transparent models: human workforce vs. AI workforce

Benchmarked against typical US lending labor economics-not a generic SaaS seat. See how agent runs plus LendingIQ fees stack up next to loaded FTE cost across acquisition, underwriting, collections, and ops workflows.

Illustrative savings band

~65-90%

Typical reduction in modeled variable labor spend when high-volume workflow steps move to agents-before reallocating people to exceptions and growth.

Qualify and progress leads without scaling headcount linearly

Inbound and outbound acquisition touches-pre-qual, document requests, scheduling, and CRM hygiene-consume large blocks of LOA and marketing ops time. Agents handle the repetitive path so humans focus on relationships and exceptions.

Typical human benchmark (US lender)

Loan officers and LOAs combined median compensation often lands in the ~$65K-$110K/yr range before benefits; fully loaded hourly cost commonly lands ~$40-$70/hr depending on market and seniority (see BLS loan officer data).
High-touch lead follow-up, co-browsing, and manual data entry tie up 20-45+ minutes per meaningful opportunity.
Scaling volume usually means proportional hiring, training, and QA overhead.

BLS reports loan officers with a median wage of about $74K/yr (~$36/hr base) as of 2024 figures-loaded employer cost is higher.

AI workforce + LendingIQ (illustrative)

Agents run structured qualification scripts, capture stips, sync LOS/CRM, and escalate exceptions with a full audit trail.
Usage-based pricing: platform fee + metered workflow completions + pass-through LLM at contractually transparent rates.
You choose guardrails, disclosure language, and when a human must approve the next step.

Many teams model this as a per-completed acquisition workflow or per-qualified lead package-your mix determines the effective rate.

Example: retail mortgage lead funnel

~2,800 qualified conversations/month previously staffed with ~3.5 FTE of LOA-style capacity (mixed seniority).

Modeled human run-rate

~$38K-$52K/mo loaded labor (illustrative model)

Modeled AI + LendingIQ

~$6K-$14K/mo LendingIQ + LLM usage for comparable throughput (illustrative)

Typical savings vs model

Often ~70-85% vs. the modeled human run-rate at volume

How to read these numbers

All figures on this page are illustrative planning models-not a quote. Your geography, union rules, incentive comp, channel mix, and compliance regime change both human and AI economics.
LLM and telephony costs are typically pass-through or transparently metered, with software usage separated from model consumption where applicable.
We’ll build a calibrated model from your volumes, systems, and target SLAs during an AI audit.

Reference

U.S. Bureau of Labor Statistics - Loan Officers

Want numbers tied to your LOS, channels, and SLAs- We’ll calibrate human baselines and agent throughput in a short working session.

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